Volksbank

What Volksbank does

Volksbank Börde Bernburg eG is a small German cooperative bank (eingetragene Genossenschaft) serving private customers in the Börde region of Saxony-Anhalt, Germany, under the cooperative banking motto "Meine Bank gehört mir." Its product suite covers the full retail banking spectrum: a digital current account (Girokonto VBB Privat), a flexible savings account (Tagesgeld VBB Flex), an instant consumer loan (easyCredit distributed via TeamBank), a building savings contract (Bausparvertrag via Bausparkasse Schwäbisch Hall), real estate financing (Baufinanzierung via VR-NetWorld), a premium credit card (GoldCard via DZ Bank), and private liability insurance (via R+V Versicherung). The bank is therefore primarily a distributor and local originator within the broader German Volksbanken cooperative federation, not an in-house product builder.

The bank operates a hybrid digital/physical distribution model: a regional branch presence in Bernburg, Saxony-Anhalt combined with an OnlineBanking portal and an "Online-Geschäftsstelle" (online branch) self-service platform. Pricing for accounts, fees, and lending rates is not publicly disclosed and is quoted on inquiry or via the online platform. No proprietary mobile app, public API, AI features, or research/patent activity is present in the data; technology is delivered largely through federation-shared infrastructure.

Volksbank Börde Bernburg generates revenue through three traditional banking streams: interest income on loans and credit products (mortgages, easyCredit, other financing); banking fees and commissions on accounts, transactions, and on insurance/wealth products distributed via partners; and net interest spread earned on customer deposits (Tagesgeld, Girokonto, Bausparvertrag). It is a private, member-owned cooperative with no parent company disclosed, no funding rounds, no M&A activity, and a stated headcount of 11–50 employees.

Name

Volksbank

Legal name

Volksbank Börde Bernburg eG

Website

https://vbb.info

Company type

Private

Founded year

1860

Operating status

Operating

Headcount range

11–50 employees

Short description

Volksbank Börde Bernburg eG is a small German cooperative bank serving private retail customers in the Börde region of Saxony-Anhalt with current accounts, savings, consumer credit, mortgages, credit cards, and insurance distributed through a regional branch and digital online-banking platform.

Ownership category

akta.pro rank

Product category

Retail Banking

NAICS

Credit Unions (522130), Depository Credit Intermediation (5221), Savings Institutions and Other Depository Credit Intermediation (52218)

SIC

State Commercial Banks (6022), Personal Credit Institutions (6141)

akta.pro primary industry

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

akta.pro secondary industries

Bank & Credit Union Personal Loans (Unsecured Installment) (FSAKAAAL), Agricultural & Rural Cooperatives (Farm Credit/Co-op Banks) (FSABAEAG)

Keywords

• Retail banking services
• Personal loans
• Savings accounts
• Mortgage financing
• Building society savings

Headquarters

HQ city

Wanzleben

HQ country

Germany

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Interest Income: Traditional banking revenue from interest charged on loans and credit products including mortgages (Baufinanzierung), personal loans (easyCredit), and other financing arrangements.
2. Banking Fees and Commissions: Fees from account maintenance (Girokonto), transaction processing, and other banking services. Also includes commission income from insurance products and investment services.
3. Deposit Taking and Spread: Revenue generated from taking customer deposits (Tagesgeld, Girokonto, Bausparvertrag) and lending at higher rates, capturing the interest rate spread.

Go-to-market motion1 record

Distribution channels3 records

Marketing channels2 records

Core offering

Volksbank Börde Bernburg is a regional German cooperative bank that provides personal banking products and services to private customers, including the GoldCard credit card, Girokonto VBB Privat current account, Tagesgeld VBB Flex savings, easyCredit personal loans, Bausparvertrag building savings contracts, Baufinanzierung real estate financing, and Private Haftpflicht liability insurance. Services are delivered through a combination of local branch offices in the Börde region and digital channels such as OnlineBanking and Online-Geschäftsstelle. The bank operates under a member-owned cooperative (eingetragene Genossenschaft) structure.

Product overview

Volksbank offers a comprehensive portfolio of retail banking products and services, including the GoldCard premium credit card, Girokonto VBB Privat digital current account, Tagesgeld VBB Flex flexible savings account, easyCredit instant loans, Bausparvertrag building savings contracts, Baufinanzierung real estate financing, and Private Haftpflicht-Versicherung liability insurance. Services are accessible both digitally via OnlineBanking and the Online-Geschäftsstelle, as well as through physical branch locations.

Differentiator

Problem solved

Functional benefit

Products and services

• GoldCard Premium credit card with extensive additional benefits and services, offered to demanding private customers. Issued in partnership with DZ Bank as the card scheme operator.
• Girokonto VBB Privat Fully digital current account for private customers enabling everyday banking transactions, accessible via OnlineBanking and Online-Geschäftsstelle.
• Tagesgeld VBB Flex Flexible savings product without fixed terms, designed for wealth accumulation for private customers.
• easyCredit Instant personal loan (Sofortkredit) with financial flexibility, sourced through TeamBank, with online calculation and application available.
• Bausparvertrag Building savings contract distributed in partnership with Bausparkasse Schwäbisch Hall, enabling customers to save toward and finance their own home.
• Baufinanzierung Real estate financing for building plots, owner-occupied apartments or houses, operated via the VR-NetWorld technology platform.
• Private Haftpflicht-Versicherung Private liability insurance distributed in partnership with R+V Versicherung, protecting customers against the costs of everyday mishaps or accidents.

Segments1 record

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Recent moves5 records

Expansion highlights4 records

Emerging players

• N26: N26 is a Berlin-based neobank offering mobile-first retail banking in Germany and across Europe. It represents the digital-native threat to traditional regional cooperative banks, particularly for younger customer segments that Volksbank Börde Bernburg must retain.
• ING-DiBa: ING-DiBa is Germany's largest direct bank, offering retail deposits, consumer credit, and mortgages primarily through digital channels. It competes with Volksbank Börde Bernburg for the same retail customers but via a fundamentally different (digital-first, no-branch) model.

Broad incumbents

• Commerzbank: Commerzbank is one of Germany's largest commercial banks, active in retail deposits, mortgages, and consumer credit. As a broad incumbent with nationwide digital and physical distribution, it competes with Volksbank Börde Bernburg across most product categories.
• DZ Bank: DZ Bank is the central institution of the Volksbanken-Raiffeisenbanken cooperative network and a partner of Volksbank Börde Bernburg (GoldCard issuance). It functions as a wholesale/central bank for the cooperative network and represents the broader incumbent layer within which this regional bank operates.
• Sparkasse: The Sparkassen are Germany's public-sector savings banks with a local/regional presence very similar in geography to Volksbank Börde Bernburg. They offer the same retail products (deposits, mortgages, consumer credit) and compete directly for the same customers in German towns, making them the most important broad incumbent competitor.
• Postbank: Postbank is a major German retail bank with nationwide branch reach historically embedded in the postal network. It competes with Volksbank Börde Bernburg for retail deposits, consumer credit, and mortgage customers at significantly greater scale.

Direct peers

• Targobank: Targobank is a German consumer and small-business bank specializing in retail deposits, consumer credit, and brokerage. Like Volksbank Börde Bernburg, it competes in personal lending and savings but at much larger national scale.
• Volksbank Braunschweig Wolfsburg: Volksbank BraWo is a regional Volksbank in Lower Saxony operating the same cooperative retail banking model — deposit-taking, mortgage origination, member ownership — under the same Bundesverband der Deutschen Volksbanken und Raiffeisenbanken (BVR) umbrella. Directly comparable in product suite and operating structure.
• Sparda-Bank: Sparda-Bank is a German cooperative bank (Sparda dataverarbeitungs eG-affiliated) focused on retail banking under a member-owned structure. It is directly comparable to Volksbank Börde Bernburg in cooperative governance, retail deposit-taking, consumer lending, and regional branch presence.
• PSD Bank: PSD Bank is a German cooperative bank organized as a Werkspareinrichtung-style member institution serving defined employee/affinity groups. Comparable to Volksbank Börde Bernburg in cooperative ownership, retail focus, and German regulatory framework.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/vbb.info

Revenue estimate

Valuation estimate

Number of profiles

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 Volksbank