Volksbank Hellweg
Volksbank Hellweg eG is a member-owned German cooperative bank headquartered in Soest, serving retail, SME, private banking, real estate, association, and youth customers in the Hellweg region through branches and the Volksbanken/Raiffeisenbank digital network.
- Company typePrivate
- Founded1914
- HeadquartersSoest, Germany
- Headcount51–100
- GTM typeB2B and B2C
- OfferingServices
What Volksbank Hellweg does
Volksbank Hellweg eG is a member-owned cooperative bank (eingetragene Genossenschaft) headquartered in Soest, North Rhine-Westphalia, Germany, serving retail, SME, private banking, real estate, association, and youth customers in the Hellweg region. The bank operates within the broader Volksbanken/Raiffeisenbank cooperative network (Genossenschaftliche FinanzGruppe) and combines a regional branch presence with the nationwide VR Banking App and OnlineBanking portal. Its product stack spans current accounts (Heimatkonto, meinKonto variants, MeinVerein), a tiered card portfolio (BasicCard through ExclusiveCard metallic at €18–€349.99/year), savings and term deposits (Tagesgeld, Festgeld, Sparbriefe, WachstumsGeld, Weltmeister Sparbrief), securities and investment services via UnionDepot, meinDepot and ProfiBroker, and real estate financing. Distribution is omnichannel: physical branches for advisory, mobile and online banking for self-service, Apple Pay/Wero/giropay/paydirekt for payments, and VR SecureGo plus Sm@rt-TAN Photo for transaction authentication.
The bank makes money primarily through net interest income on lending and deposits, recurring account and card fees, securities and investment commissions via Union Investment, and insurance distribution commissions across Allianz, R+V Versicherung, VKB, and GENO Broker. Pricing is subscription-based for accounts and cards, with unit pricing on term savings (e.g., Weltmeister Sparbrief up to 2.60% p.a., Festgeld 1.50–1.95%) and overdraft interest at 13.25% p.a. Strategic activity in 2025–2026 centers on deposit-gathering campaigns (Weltmeister Sparbrief 2026), a Cyber Security Awareness initiative addressing AI-era fraud, and digital-channel expansion through Wero and the MeinPlus Cashback App, while continuing youth-pipeline programs such as Schülergenossenschaften and meinKonto tiers.
Volksbank Hellweg firmographics
Firmographics- Name
- Volksbank Hellweg
- Legal name
- Volksbank Hellweg eG
- Website
- https://volksbank-hellweg.de
- Company type
- Private
- Founded year
- 1914
- Operating status
- Operating
- Headcount range
- 51–100 employees
- Short description
- Volksbank Hellweg eG is a member-owned German cooperative bank headquartered in Soest, serving retail, SME, private banking, real estate, association, and youth customers in the Hellweg region through branches and the Volksbanken/Raiffeisenbank digital network.
- Ownership category
- akta.pro rank
Volksbank Hellweg industry classification
Industry- Product category
- Cooperative Retail and Commercial Banking
- NAICS
- Credit Unions (522130), Depository Credit Intermediation (5221)
- SIC
- Savings Institutions, Not Federally Chartered (6036)
- akta.pro primary industry
- Core Banking & Ledger Systems (Cloud Core, Deposits, Accounts) (FSAGAAAC)
Keywords
Where Volksbank Hellweg is headquartered
LocationHeadquarters
- HQ city
- Soest
- HQ country
- Germany
- HQ region
- Europe
Offices1 record
Markets served
Volksbank Hellweg business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales, Others
Revenue model
- Interest Income: Traditional banking interest income from lending activities including mortgage loans, consumer credit, and business loans. Core revenue stream from spread between deposit and lending rates.
- Account and Transaction Fees: Monthly account fees (Heimatkonto €6.50/month, meinKonto €0-4.25/month), transaction fees for transfers, card fees, and service charges
- Card Services: Annual fees from credit cards including BasicCard (€20/year), ClassicCard (€30/year), DirectCard (€18/year), GoldCard (€99/year), ExclusiveCard (€299-349.99/year)
- Investment Products: Distribution of investment products including Union Investment funds, securities trading, and wealth management services with associated commissions
- Insurance Distribution: Partnership-based insurance product distribution through Allianz, R+V Versicherung, and other insurance partners
- Savings and Investment Products: Interest-bearing savings products including Weltmeister Sparbrief (special term savings), Tagesgeld (daily savings), Festgeld (fixed-term deposits), and WachstumsGeld with rates up to 2.60% p.a.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Heimatkonto - Standard account with online services |
| Subscription | Monthly | Heimatkonto mit Onlinepaket |
| Subscription | Monthly | Heimatkonto mit Komfortpaket |
| Subscription | Monthly | meinKonto start - Free entry-level account |
| Subscription | Monthly | meinKonto next - Low-cost young customer account |
| Subscription | Monthly | meinKonto ready - Standard young customer account |
| Subscription | Monthly | MeinVerein - Free account for associations/clubs |
| Other | Pay-as-you-go | Overdraft/Dispo Interest Rate |
| Unit Pricing | Pay-as-you-go | Weltmeister Sparbrief - World Champion Savings Bond |
| Unit Pricing | Pay-as-you-go | Tagesgeld - Daily Deposit Savings |
| Unit Pricing | Pay-as-you-go | Festgeld - Fixed-Term Deposits |
| Subscription | Annual | Credit Card Pricing |
Distribution channels5 records
Marketing channels6 records
Volksbank Hellweg product offering
Product offeringCore offering
Volksbank Hellweg eG is a member-owned German cooperative bank that provides retail and commercial banking services in the Hellweg region. Its core offering comprises current accounts (Heimatkonto, meinKonto, MeinVerein), a card portfolio spanning debit and credit cards, savings and term-deposit products (Tagesgeld, Festgeld, Sparbriefe, Weltmeister Sparbrief), investment and securities services via Union Investment, consumer and commercial lending, real estate financing, and partner-distributed insurance products. Banking is delivered through local branches, an online banking portal, the VR Banking App, and the nationwide Volksbanken/Raiffeisenbank cooperative network.
Product overview
Volksbank Hellweg eG is a cooperative bank offering a comprehensive banking platform with multiple account products (Heimatkonto, meinKonto, MeinVerein) for retail, business, and association customers. The product portfolio includes various credit cards (VR-BankCard, BasicCard, DirectCard, ClassicCard, GoldCard, ExclusiveCard), savings products (Tagesgeld, Festgeld, Sparbriefe, Weltmeister Sparbrief, WachstumsGeld, MeinSparen, MehrzinsSparen), investment services (meinDepot, ProfiBroker, UnionDepot), and digital banking tools (VR-BankingApp, VR SecureGo, MeinPlus Cashback App, Wero, Scan2Bank). The bank also supports mobile payments via Apple Pay and offers physical and virtual debit cards. All products are accessible through the OnlineBanking portal, with dedicated apps for mobile banking and transaction authentication.
Differentiator
Problem solved
Functional benefit
Products and services
- Heimatkonto
- meinKonto
- MeinVerein
- BasicCard
- DirectCard
- ClassicCard
- GoldCard
- ExclusiveCard plus
- Tagesgeld
- Festgeld
- Sparbriefe
- Weltmeister Sparbrief
- WachstumsGeld
- MeinSparen
- meinDepot
- ProfiBroker
- UnionDepot
- MeinPlus Cashback App
Companies that use Volksbank Hellweg
Customer profileSegments6 records
Ideal customer profiles6 records
Volksbank Hellweg technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration9 records
AI capability1 record
Feature5 records
Volksbank Hellweg partnerships and signals
Strategic signalPartnerships
Six partnerships are on record, tiered minor and core.
- AllianzminorAllianz insurance products can be contracted through Volksbank Hellweg with contract cancellation handled directly on Allianz website. Partnership enables cross-selling of insurance products to banking customers.
- GENO EnergieminorGENO Energie provides energy products and services. Partnership enables offering of energy tariffs to Volksbank customers.
- R+V VersicherungminorR+V Versicherung is a cooperative insurance provider offering insurance products through Volksbank channels. Partnership leverages cooperative banking-insurance model synergies.
- TeamBankminorTeamBank provides consumer lending products (easyCredit). Partnership enables offering of installment loans to bank customers.
- Union InvestmentcoreUnion Investment provides investment fund products (UnionDepot, ProfiBroker) for securities trading and wealth management. Partnership enables comprehensive investment services and is a core component of Private Banking offerings.
- VKB – Versicherungskammer BayernminorVKB (Versicherungskammer Bayern) is a public insurer providing insurance products. Partnership enables offering of insurance products to Volksbank customers through VKB channels.
Recent moves6 records
Expansion highlights5 records
Volksbank Hellweg competitors and assessment
Company assessmentEmerging players
- N26: N26 is a Berlin-based neobank offering mobile-first retail banking including checking accounts, savings, and trading in Germany. Comparable to Volksbank Hellweg as a German retail banking competitor targeting the same retail deposit and payment customers with a digital-only model.
Direct peers
- ING-DiBa: ING-DiBa is Germany's largest direct bank offering retail checking, savings, lending, and securities products. Comparable to Volksbank Hellweg in core retail banking product overlap (Girokonto, Tagesgeld, Wertpapierdepot) and competes for the same German retail deposit and investment customer base.
- Sparda-Bank: Sparda-Bank is a German cooperative retail bank serving private customers with checking, savings, and lending products. Comparable to Volksbank Hellweg as a member-owned cooperative bank targeting retail customers with a regional/local structure and similar product portfolio.
- PSD Bank: PSD Bank is a German cooperative-style retail bank organized under the PSD (Post-Spar- und Darlehnsverein) cooperative network. Comparable to Volksbank Hellweg in its member-owned structure, retail focus, and regional multi-bank cooperative model.
- Volksbank Münsterland Nord: Volksbank Münsterland Nord is a regional cooperative bank in the Volksbanken/Raiffeisenbanken network operating in North Rhine-Westphalia. Closely comparable to Volksbank Hellweg as a peer cooperative bank in the same federal state with overlapping product portfolio and network benefits.
- Sparkasse Soest: Sparkasse Soest is the local savings bank serving the Soest/Hellweg region with retail and business banking. Direct geographic competitor to Volksbank Hellweg, offering a nearly identical local product suite (checking, savings, lending, insurance) under the public-sector savings bank model.
- DKB (Deutsche Kreditbank): DKB is a German direct bank with cooperative origins (owned by BayernLB) offering retail checking, savings, and investment products digitally. Comparable to Volksbank Hellweg in retail banking services and current account focus, though operating via a digital-first model rather than branch-led.
- Targobank: Targobank is a German retail and commercial bank offering checking, credit cards, consumer credit, and investment products. Comparable to Volksbank Hellweg in retail banking focus with similar product breadth across cards, deposits, and consumer credit segments.
Broad incumbents
- Deutsche Bank: Deutsche Bank is Germany's largest universal bank offering retail, commercial, wealth, and investment banking. Comparable to Volksbank Hellweg in retail banking product overlap but serves a much broader national and international customer base as a full-service incumbent.
- Commerzbank: Commerzbank is one of Germany's largest universal banks offering retail, commercial, and wealth management services. Comparable to Volksbank Hellweg at the product level (current accounts, mortgages, investment products) but operates at much larger national scale across all customer segments.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks5 records
Key highlights1 record
Customer concentration
Volksbank Hellweg social profiles
Digital presenceVolksbank Hellweg compliance and trust
Trust signalCompliance1 record
Volksbank Hellweg financial estimates
Financial estimateRevenue estimate
Valuation estimate
Volksbank Hellweg leadership team
Management profileNumber of profiles
Volksbank Hellweg funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Volksbank Hellweg M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Volksbank Hellweg
What does Volksbank Hellweg do?
Volksbank Hellweg eG is a member-owned German cooperative bank that provides retail and commercial banking services in the Hellweg region. Its core offering comprises current accounts (Heimatkonto, meinKonto, MeinVerein), a card portfolio spanning debit and credit cards, savings and term-deposit products (Tagesgeld, Festgeld, Sparbriefe, Weltmeister Sparbrief), investment and securities services via Union Investment, consumer and commercial lending, real estate financing, and partner-distributed insurance products. Banking is delivered through local branches, an online banking portal, the VR Banking App, and the nationwide Volksbanken/Raiffeisenbank cooperative network.
Is Volksbank Hellweg a public or private company?
Volksbank Hellweg is a private company. It is classified as management employee owned and is currently operating.
When was Volksbank Hellweg founded?
Volksbank Hellweg was founded in 1914. It employs 51 to 100 people.
Where is Volksbank Hellweg based?
Volksbank Hellweg is headquartered in Soest, Germany, in the Europe region.
How does Volksbank Hellweg make money?
Six revenue lines are on record. Interest Income is the primary driver. The others are account and Transaction Fees, card Services, investment Products, insurance Distribution and savings and Investment Products.
Who are Volksbank Hellweg's main competitors?
N26 is listed as an emerging player. Direct peers are ING-DiBa, Sparda-Bank, PSD Bank, Volksbank Münsterland Nord, Sparkasse Soest, DKB (Deutsche Kreditbank) and Targobank. Broad incumbents are Deutsche Bank and Commerzbank.
Does Volksbank Hellweg have an API?
No public API is recorded for Volksbank Hellweg.
What industry is Volksbank Hellweg in?
Volksbank Hellweg's product category is Cooperative Retail and Commercial Banking. Its primary akta.pro industry code is FSAGAAAC, Core Banking & Ledger Systems (Cloud Core, Deposits, Accounts). Its NAICS code is 522130 and its SIC code is 6036.