Raiffeisen Volksbank Aschaffenburg

What Raiffeisen Volksbank Aschaffenburg does

Raiffeisen-Volksbank Aschaffenburg is a regional cooperative banking subsidiary (legally a Zweigniederlassung / branch) of Frankfurter Volksbank Rhein/Main, the largest Volksbank in Germany by membership. It serves the Bavarian Untermain market from Alzenau in the west to Obernburg in the east and from the Kahlgrund through the Spessart, operating more than 30 staffed retail branches augmented by online, mobile-app, and telephone banking channels. Its core offering spans current accounts (Girokonto), savings products (Tagesgeld, Bausparen, FVB Festgeld), investment services (Wertpapierdepot, MeinVermögen digital wealth management, JuniorDepot), credit facilities (Sofortkredit, Dispokredit), and real-estate financing (Baufinanzierung, Wohn-Riester, KfW-Förderung brokering), together with a regional 'Viele schaffen mehr' crowdfunding platform, a Mitgliedervorteile membership benefits program, and an affiliated real-estate brokerage (Immobilien Gesellschaft mbH).

Customers are segmented horizontally into Privatkunden (retail) and Firmenkunden (Mittelstand/SME) in the Bavarian Untermain region. Revenue is generated primarily through Net Interest Income on the deposit, mortgage, and consumer/SME loan book, augmented by account/transaction fees, securities trading commissions, wealth management fees, and government-funding brokering; the cooperative (Genossenschaftsbank) ownership model layers a membership dividend/benefits structure on top. The franchise is sold and serviced through relationship-based personal advisory ('Beratung auf Augenhöhe') at the branch level, supported by digital self-service channels and an active regional social/community marketing presence.

As a branch entity rather than an independent company, strategic decisions, capital allocation, and consolidated financials roll up to the parent Frankfurter Volksbank Rhein/Main; the regional unit's role is customer-facing retail/SME banking and local brand stewardship. Notable in-region differentiators include the 'Nr. 1 der Volksbanken – Champions in der Kundenbetreuung' customer-service recognition, deep cooperative-banking brand heritage via the Raiffeisen and Volksbank brands, and a recently appointed acting Regionalmarktleiter (Johannes Wenzel) covering the Aschaffenburg core market.

Name

Raiffeisen Volksbank Aschaffenburg

Legal name

Raiffeisen-Volksbank Aschaffenburg, Zweigniederlassung der Frankfurter Volksbank Rhein/Main

Website

https://raiba-aschaffenburg.de

Company type

Private

Founded year

1878

Operating status

Operating

Headcount range

11–50 employees

Short description

Raiffeisen-Volksbank Aschaffenburg is a regional cooperative bank branch (Zweigniederlassung) of Frankfurter Volksbank Rhein/Main, operating 30+ branches across the Bavarian Untermain region to deliver retail and SME banking, savings, lending, and wealth management services.

Ownership category

akta.pro rank

Product category

Retail Banking

NAICS

Depository Credit Intermediation (5221), Credit Unions (52213)

SIC

State Commercial Banks (6022)

akta.pro primary industry

Cooperative Banks (Member-Owned Commercial/Retail) (FSABAEAF)

akta.pro secondary industry

Federations/Centrals & Cooperative Banking Networks (2nd-Tier Co-ops) (FSABAEAL)

Keywords

• Retail banking services
• Cooperative banking
• Consumer lending
• Construction financing
• Wealth management

Headquarters

HQ city

Aschaffenburg

HQ country

Germany

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales

Revenue model

1. Banking Services Revenue: Generates revenue through interest income (loans, mortgages, overdraft facilities), account fees, transaction fees, securities trading commissions, and wealth management services. Operates as a cooperative bank (Genossenschaftsbank) with membership structure.

Go-to-market motion1 record

Distribution channels4 records

Marketing channels4 records

Core offering

Raiffeisen-Volksbank Aschaffenburg is a regional cooperative bank (Zweigniederlassung) operating in the Bavarian Untermain area of Germany, providing retail banking products and personal advisory services. Its offerings include current accounts, savings products, securities depot, investment services, consumer and construction loans, as well as a regional crowdfunding platform and membership benefits for cooperative members.

Product overview

Raiffeisen Volksbank Aschaffenburg operates as a regional cooperative bank (Zweigniederlassung) of Frankfurter Volksbank Rhein/Main, offering a comprehensive suite of banking products and services. The core product portfolio includes current accounts (Girokonto), savings products (Tagesgeld, Bausparen), investment services (Wertpapierdepot, MeinVermögen), credit facilities (Sofortkredit, Dispokredit), and real estate financing (Baufinanzierung). Supporting services include the Crowdfunding platform (Viele schaffen mehr), a membership benefits program (Mitgliedervorteile), government KfW subsidies, and an affiliated real estate company (Immobilien Gesellschaft mbH). Digital banking is accessible via online and mobile app channels.

Differentiator

Problem solved

Functional benefit

Products and services

• Girokonto
• Tagesgeld
• Wertpapierdepot
• MeinVermögen
• Sofortkredit
• Dispokredit
• Baufinanzierung
• Bausparen
• Wohn-Riester
• FVB Festgeld
• JuniorDepot
• Crowdfunding (Viele schaffen mehr)
• Mitgliedervorteile
• KfW-Förderung
• Immobiliensuche
• Immobilien Gesellschaft mbH

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

One partnership is on record.

• Frankfurter Volksbank Rhein/MaincoreStrategic or Co-development PartnerRaiffeisen-Volksbank Aschaffenburg operates as a regional branch (Zweigniederlassung) of Frankfurter Volksbank Rhein/Main, which is Germany's largest Volksbank by membership. This structural relationship provides access to the parent bank's resources, products, and multi-award-winning services while maintaining regional presence.

Scale indicators2 records

Recent moves6 records

Expansion highlights4 records

Direct peers

• Sparda-Bank Hessen: Cooperative retail bank serving a similar demographic in the wider Rhine-Main area. Closely comparable business model as a member-owned cooperative with branch-based advisory and digital channels.
• Sparkasse Aschaffenburg-Alzenau: Local public-sector savings bank (Sparkasse) serving the exact same Bavarian Untermain market with an identical product mix (deposits, mortgages, SME lending). Direct head-to-head competitor in the same geography and customer segments.
• Frankfurter Volksbank Rhein/Main: Parent entity of Raiffeisen-Volksbank Aschaffenburg and Germany's largest Volksbank by membership. Operates the same cooperative banking model with overlapping product suite (Girokonto, MeinVermögen, Baufinanzierung) and shared digital platforms, making it the most directly comparable entity.

Broad incumbents

• ING-DiBa: Germany's largest direct bank, offering Girokonto, Tagesgeld, and Wertpapierdepot products that directly overlap with this bank's core retail offerings. Competes primarily on price and digital UX in the same retail segments.
• Deutsche Bank AG: Germany's largest universal bank with full retail, SME, and wealth capabilities. Overlaps in deposit, mortgage, and investment products; competes for the same affluent retail and corporate customers.
• DKB (Deutsche Kreditbank): Major German direct bank offering retail current accounts, brokerage, and lending products. Direct substitute for digital-native customers in the same target segments.
• Commerzbank AG: One of Germany's largest private commercial banks offering the full suite of retail and SME banking products. Competes for the same Mittelstand and retail customers in the Aschaffenburg region with broader national scale.

Emerging players

• N26 Bank GmbH: Berlin-based German neobank targeting digital-first retail customers with current accounts and consumer credit. Represents the emerging digital threat competing for the same retail deposit and lending wallet share.

Regional players

• Volksbank Raiffeisenbank Bayern Mitte eG: Adjacent cooperative Volksbank operating in the broader Bavarian region with the same Genossenschaftsbank structure and product offering. Comparable cooperative banking model in a neighboring geographic market.

Others

• KfW Bankengruppe: German state development bank that this bank partners with to distribute KfW Förderung programs. Enabling/ecosystem participant rather than competitor, but comparable in cooperative-aligned public-purpose banking focus.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• YouTubeyoutube.com/channel/UC3nqFKKQTue55xdORFSqCjg
• Facebookfacebook.com/frankfurtervolksbank
• LinkedInde.linkedin.com/company/frankfurter-volksbank-rheinmain
• Instagraminstagram.com/frankfurter_volksbank

Revenue estimate

Valuation estimate

Number of profiles

Profiles5 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Raiffeisen Volksbank Aschaffenburg