MHB Bank

What MHB Bank does

MHB Bank, legally Raisin Bank AG, is a Frankfurt am Main-based German credit institution (Aktiengesellschaft) that has repositioned from a traditional commercial bank — with origins in 1973 — into a specialized Banking-as-a-Service (BaaS) provider serving B2B partners across Europe. The bank holds a full German banking license and operates with 501–1,000 employees, offering two core products: a BaaS model that enables partners to implement business models requiring a banking license, and Cash Solutions that provides cash-management infrastructure. Its primary customer segment is enterprises — particularly fintechs, financial service providers, and regulated businesses — that need licensed banking infrastructure and regulatory, supervisory, legal, and compliance support without obtaining their own banking license.

Name

MHB Bank

Legal name

Raisin Bank AG

Website

https://mhb-bank.de

Company type

Private

Founded year

1973

Operating status

Operating

Headcount range

501–1,000 employees

Short description

Raisesin Bank AG is a Frankfurt-based German credit institution that provides Banking-as-a-Service and Cash Solutions infrastructure to B2B partners across Europe, including the Raisin savings platform, via its API-first modular core banking platform.

Ownership category

akta.pro rank

Product category

Banking-as-a-Service

NAICS

Depository Credit Intermediation (5221)

SIC

Commercial Banks, Nec (6029), Finance Services (6199)

akta.pro industry

PRIMARYFSABAIAF

Bank Connectivity & Channels (Host-to-host, SWIFT, APIs, EB portals)

Financial & Insurance/Banking (Commerical, Retail & Consumer)/Transaction Banking (Cash Management & Treasury Services)

SECONDARYFSAGAJAG

Treasury, Cash Management & Liquidity (SME)

Financial & Insurance/Financial Technology (Fintech)/B2B Fintech (SME Finance, Invoicing, Expense & Spend Management)

Keywords

• Banking-as-a-Service
• Cash management solutions
• Banking infrastructure
• Regulatory compliance services
• Core banking platform

Headquarters

HQ city

Frankfurt

HQ country

Germany

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Banking-as-a-Service Fees: Revenue generated from providing banking infrastructure, licensing, and regulatory services to partners who need banking license capabilities. Services include developing tailor-made banking products and supporting regulatory, supervisory, legal, and compliance requirements.

Go-to-market motion1 record

Distribution channels1 record

Marketing channels1 record

Core offering

MHB Bank (Raisin Bank AG) is a private German credit institution that provides Banking-as-a-Service (BaaS) to partner businesses across Europe. It supplies tailor-made banking products, cash management solutions, and full regulatory and compliance support backed by its German banking license, delivered through a modern cloud-based, API-first core banking platform.

Product overview

Raisin Bank operates as a modern credit institution with a full banking license, providing Banking-as-a-Service (BaaS) and Cash Solutions as its core offerings. The bank develops tailor-made products for clients and supports regulatory, supervisory, legal, and compliance matters. Built on an innovative, modular, cloud-based, API-first core banking system, the platform enables partners to implement business models requiring a banking license across Europe.

Differentiator

Problem solved

Functional benefit

Products and services

• Banking-as-a-Service (BaaS)

Named customers1 record

Segments1 record

Ideal customer profiles1 record

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

One partnership is on record.

• RaisincoreChannel Partner/ Reseller/ DistributorRaisin Bank serves as the banking infrastructure partner for Raisin, a savings and investment platform. Raisin Bank provides Banking-as-a-Service capabilities that power Raisin's operations, enabling Raisin to offer savings and investment products without requiring its own banking license. The partnership is described as Raisin Bank being a 'trusted partner providing banking services to businesses, including Raisin.' Raisin serves as the central platform for savings and investment needs, with Raisin Bank providing the underlying banking infrastructure.

Scale indicators1 record

Recent moves5 records

Expansion highlights5 records

Others

• Stripe Treasury: Global payments giant offering embedded banking-as-a-service (Treasury) via partner banks to platforms and marketplaces — relevant adjacent comparator shaping partner expectations on API-driven BaaS.
• Tink: European open-banking and payments infrastructure provider (now part of Visa) enabling account aggregation, payments initiation, and financial data — an adjacent infrastructure player rather than a direct BaaS competitor to Raisin Bank.

Emerging players

• Unit: US-based Banking-as-a-Service provider offering embedded accounts, cards, and lending APIs to fintechs — comparable BaaS business model though operating in a different geography, useful as a US BaaS proxy for Raisin Bank.
• Swan: France-based Banking-as-a-Service provider offering embedded accounts, cards, and payments via API to European fintechs — an emerging challenger competing for the same platform clients as Raisin Bank.
• Weavr: Embedded finance infrastructure provider for B2B SaaS and fintechs in Europe, offering accounts, cards, and payments via APIs — partial overlap with Raisin Bank's partner-facing BaaS proposition.

Direct peers

• ClearBank: UK-chartered bank providing real-time clearing, accounts, and embedded banking infrastructure via API — a direct BaaS competitor with comparable regulated-bank positioning to Raisin Bank.
• Solaris SE: Berlin-based Banking-as-a-Service provider with a full EU banking license offering embedded banking, payments, lending, and cards to fintechs and platforms across Europe — directly comparable to Raisin Bank's BaaS + Cash Solutions offering.
• Modulr: UK-regulated e-money institution offering API-first Banking-as-a-Service (accounts, payments, cards) to platforms and fintechs across the UK and Europe — directly comparable in BaaS value proposition to Raisin Bank.
• Treezor: French-regulated payment institution (majority-owned by Société Générale) providing Banking-as-a-Service, payment accounts, and card issuing to fintechs in Europe — a direct competitor for the same BaaS partner segment Raisin Bank targets.

Broad incumbents

• BBVA (BaaS / embedded finance): Large incumbent Spanish bank increasingly offering Banking-as-a-Service and embedded finance APIs to fintechs in Europe — a broad incumbent competing for the same BaaS deals but from a much larger balance sheet.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/mhb-bank-ag

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 MHB Bank