Raiffeisen Spar+Kreditbank eG

What Raiffeisen Spar+Kreditbank eG does

Raiffeisen Spar+Kreditbank eG is a German cooperative bank (eingetragene Genossenschaft) founded in 1877 and headquartered at Bahnhofstr. 8 in Lauf, Bavaria. Operating under the member-owned cooperative model and affiliated with the broader Genossenschaftliche Finanzgruppe, it provides a full-service retail and small-business banking proposition to private customers (Privatkunden) and SMEs (Firmenkunden) in its regional Bavarian catchment. The product set spans current accounts (Girokonto, Geschäftskonto), savings and term deposits (WachstumsGeld, Festgeldkonto), mortgage and construction financing (Baufinanzierung), consumer and business credit (easyCredit via TeamBank, Betriebsmittelkredit, Unternehmerkredit up to EUR 100,000), business credit cards (Firmenkreditkarte via DZ Bank), and corporate pension schemes (Betriebliche Altersvorsorge, Direktversicherung). Complementary distribution from partners includes insurance from R+V and Allianz, investments from Union Investment (UnionDepot, VR-Primamix Global), building society products from Schwäbisch Hall, and travel/entertainment benefits through VR-MeineReise and VR Entertain.

The technology stack is anchored by the Online-Geschäftsstelle (OGS), a digital self-service portal where customers can open products, apply for credit, upload and manage documents through DocumentHub, run a FinanzCheck financial-health assessment, and use CO2Check / CO2-Schnellrechner sustainability tools. The VR Banking App for iOS and Android extends OGS to mobile and integrates Wero, a European instant-payment network for P2P and online transfers via phone number, with virtual Mastercard and Visa Debit cards enabled in Apple Pay. Backend infrastructure and product page imagery point to the shared Atruvia/DZ Bank platform ecosystem that services the German cooperative banking group.

Revenue mechanics follow a traditional universal-bank model: net interest income on loans and mortgages (primary), fees on current accounts and services (recurring), commissions on distributed insurance (R+V, Allianz) and investment funds (Union Investment), and partner-sourced credit origination fees (TeamBank/easyCredit). Customer acquisition is direct-to-consumer through branches, OGS, VR Banking App, and link-outs to partner customer portals; the website explicitly markets cooperative membership benefits, including dividend participation for members. Pricing is quote-based and not publicly disclosed. The bank maintains an active careers portal, a dedicated "Fusion" navigation item indicating merger/consolidation activity, and serves a single-country domestic market with no global footprint claims.

Name

Raiffeisen Spar+Kreditbank eG

Legal name

Raiffeisen Spar+Kreditbank eG

Website

https://rb-lauf.de

Company type

Private

Founded year

1877

Operating status

Operating

Short description

Raiffeisen Spar+Kreditbank eG is a member-owned German cooperative bank founded in 1877, headquartered in Lauf, Bavaria, providing retail and small-business banking—accounts, loans, mortgages, investments, and insurance—to private customers and local enterprises through branches and digital platforms including the Online-Geschäftsstelle and VR Banking App.

Ownership category

akta.pro rank

Product category

Cooperative Banking

NAICS

Commercial Banking (522110)

SIC

State Commercial Banks (6022)

akta.pro primary industry

SME Banking Suite (Business Accounts, Invoicing, Payroll Integrations) (FSAGAAAI)

Keywords

• Cooperative retail banking
• Consumer lending
• Real estate financing
• Business banking
• Online brokerage

Headquarters

HQ city

Lauf

HQ country

Germany

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Interest Income: Traditional banking revenue from interest spreads on loans and mortgages provided to customers.
2. Account and Service Fees: Fees from current accounts (Girokonto), business accounts, and various banking services.
3. Insurance Products Commission: Revenue from selling insurance products from partners including R+V Versicherung and Allianz.
4. Investment and Savings Products: Revenue from investment products including Union Investment funds, wealth management, and savings accounts.
5. Credit Products: Revenue from consumer credit products such as easyCredit instant loans and construction financing.

Go-to-market motion1 record

Distribution channels4 records

Marketing channels1 record

Core offering

Raiffeisen Spar+Kreditbank eG is a regional cooperative bank offering retail and commercial banking services including current accounts (Girokonto), savings and fixed-deposit products (WachstumsGeld, Festgeldkonto), consumer and mortgage lending (easyCredit, Baufinanzierung), business banking products (Geschäftskonto, Betriebsmittelkredit, Unternehmerkredit), securities brokerage (Depot/Online-Brokerage, VR-Primamix Global), and insurance/pension solutions. Services are delivered through a single branch at Bahnhofstr. 8 in Lauf an der Pegnitz, the digital Online-Geschäftsstelle portal, and the VR Banking App.

Product overview

Raiffeisen Spar+Kreditbank eG is a cooperative bank (Genossenschaftsbank) offering a comprehensive suite of banking products and services for both private and business customers. The core offering centers on the Online-Geschäftsstelle digital platform, which enables customers to open products and manage services online. For private customers, the portfolio includes Girokonto (checking account), WachstumsGeld (tiered savings), easyCredit (instant credit via TeamBank partnership), Baufinanzierung (real estate financing), and Betriebliche Altersvorsorge (company pension). For business customers, offerings include Geschäftskonto (business account), Betriebsmittelkredit (working capital), Unternehmerkredit (entrepreneur credit up to 100,000 EUR), and Firmenkreditkarte (business credit card). The VR Banking App serves as the mobile banking platform, integrating Wero instant payments. The bank also provides investment services through Union Investment (Depot/Online-Brokerage), VR-Primamix Global investment strategy, and sustainability tools including CO2Check calculators. Additional services span insurance products through R+V and Allianz partnerships, travel benefits via VR-MeineReise and VR Entertain, foreign currency through Reisebank, and digital tools like DocumentHub for document management and FinanzCheck for financial assessment.

Differentiator

Problem solved

Functional benefit

Products and services

• Girokonto (Checking Account)

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration10 records

Feature3 records

Partnerships

Eight partnerships are on record, tiered core and minor.

• R+V VersicherungcoreChannel Partner/ Reseller/ DistributorR+V Versicherung is a key insurance partner providing motor vehicle insurance, international travel health insurance, personal liability insurance, and rental guarantee insurance products through the bank's distribution channels.
• TeamBank (easyCredit)coreChannel Partner/ Reseller/ DistributorTeamBank provides the easyCredit instant loan product offered through the bank's online platform and branches. Customers can apply for immediate loans with flexible terms.
• Union InvestmentcoreChannel Partner/ Reseller/ DistributorUnion Investment provides investment fund products and the UnionDepot service for wealth management and investment portfolios.
• AllianzminorChannel Partner/ Reseller/ DistributorAllianz provides insurance products including property and casualty coverage offered through the bank's insurance distribution.
• ReisebankminorChannel Partner/ Reseller/ DistributorReisebank provides foreign currency ordering services and precious metals ordering for bank customers.
• VR-MeineReiseminorGTM or Marketing PartnerTravel benefits program offering attractive advantages for customers' next vacation trips.
• VR EntertainminorGTM or Marketing PartnerEntertainment benefits program offering attractive advantages on tickets for customers.
• Schwäbisch HallminorChannel Partner/ Reseller/ DistributorBuilding society partner providing building savings accounts and related financing products.

Recent moves6 records

Expansion highlights5 records

Others

• TeamBank (easyCredit): Provider of the easyCredit instant consumer-loan product that RSK distributes. Part of the same cooperative DZ BANK group; comparable as the upstream product manufacturer enabling RSK's consumer credit distribution economics.
• Schwäbisch Hall (Bausparkasse): Building society partner that supplies RSK's housing finance products and is itself part of the cooperative DZ BANK group. Comparable as a product-originating partner within the same cooperative financial network rather than a direct retail competitor.

Direct peers

• Sparda-Bank Bayern: Cooperative-style retail bank (affiliated with the Sparda cooperative group) serving Bavaria with current accounts, savings, consumer credit, and digital banking. Targets a similar retail and SMB customer base in the same geography.
• Raiffeisenbank im Nürnberger Land: Neighboring Raiffeisen cooperative bank in the same Bavarian region (Nürnberger Land) with near-identical product mix, branch-based and digital distribution, and member-owned governance — making it the closest geographic and structural peer to Lauf-based RSK.
• Sparkasse Nürnberg: Public-law savings bank serving the greater Nuremberg/Bavaria region with overlapping retail and SME banking products (accounts, mortgages, consumer credit, insurance distribution). A primary competitor for the same local customer base with similar community-banking positioning.
• Volksbank Raiffeisenbank Nürnberg: Cooperatively structured regional bank operating in Bavaria under the same Volksbanken/Raiffeisenbanken cooperative model. Directly comparable on product suite (Girokonto, Baufinanzierung, easyCredit, Union Investment, R+V), cooperative ownership, and member dividend model.

Emerging players

• N26: Berlin-based digital neobank offering German consumer current accounts, savings, and increasingly business accounts via a mobile-first platform. Overlaps with RSK's retail and small-business segments and pressures traditional cooperative economics.
• ING Deutschland: Direct bank with strong German retail and SMB banking presence (Girokonto, consumer credit, mortgages, brokerage). Competes with RSK via a digital-first, low-fee model and represents the neobank/emerging threat to traditional branch-based cooperatives.

Broad incumbents

• HypoVereinsbank (UniCredit): Major national commercial bank with strong Bavaria presence, offering the full retail and business banking catalog RSK provides, plus corporate/investment banking. Represents the large-incumbent competitor for the same Bavarian customer pool.
• Volksbanken Raiffeisenbanken (DVR/BVR network): The umbrella cooperative banking association and central institutions for Germany's Volksbanken/Raiffeisenbanken. Provides shared IT, product platforms, and brand that RSK depends on, while also serving as a broader industry peer across hundreds of local cooperatives.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks5 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/rblauf
• LinkedInlinkedin.com/company/raiffeisensparundkreditbankeg

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

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 Spar+Kreditbank eG