Ihre Volksbank eG

What Ihre Volksbank eG does

Ihre Volksbank eG is a German cooperative bank (eingetragene Genossenschaft) founded in 1862 and headquartered in the Neckar Odenwald Main Tauber region of Baden-Württemberg, operating as an independent local member of the Genossenschaftliche FinanzGruppe Volksbanken Raiffeisenbanken. The bank serves three customer segments — private retail customers (Privatkunden), medium-sized business clients (Mittelstand / Firmenkunden), and high-net-worth individuals (Private Banking) — through a six-branch regional network across Mosbach, Bad Mergentheim, Tauberbischofsheim, Weikersheim, Wertheim Bestenheid, and Oberschefflenz, complemented by digital channels including the OnlineBanking portal, the VR Banking App for iOS and Android with Apple Pay integration, and the VR SecureGo plus authentication app. The product suite spans current accounts, savings products (Tagesgeld, Firmenfestgeld), residential and commercial mortgage origination (Baufinanzierung, DZ HYP, Münchener Hypothekenbank, Schwäbisch Hall), instant consumer credit up to 75,000 EUR (TeamBank / easyCredit), business loans up to 100,000 EUR (Unternehmerkredit), securities and investment funds (Union Investment, GENO Broker, Wertpapierdepot), wealth management (Vermögensverwaltung including swiss gold plus at 60,000 EUR minimum via DZ PRIVATBANK), and insurance distribution (R+V Versicherung). Revenue is generated primarily through net interest margin on loans and deposits, transaction and payment fees, advisory and wealth management fees, and commission from partner-distributed insurance, investment, and brokerage products. The bank's competitive positioning rests on its member-owned cooperative structure ("Meine Bank gehört mir"), 160-plus year regional heritage, and access to the Genossenschaftliche FinanzGruppe's federation of specialist partners, rather than on proprietary technology or scale.

Name

Ihre Volksbank eG

Legal name

Ihre Volksbank eG

Website

https://ihre-vb.de

Company type

Private

Operating status

Operating

Headcount range

101–250 employees

Short description

Ihre Volksbank eG is a member-owned German cooperative bank serving retail, Mittelstand business, and Private Banking clients in the Neckar Odenwald Main Tauber region via six branches and the OnlineBanking/VR Banking App digital stack, distributing lending, deposit, investment, insurance, and wealth management products.

Ownership category

akta.pro rank

Product category

Cooperative Retail Banking

NAICS

Savings Institutions and Other Depository Credit Intermediation (52218), Credit Unions (52213), Portfolio Management and Investment Advice (523940)

SIC

Savings Institution, Federally Chartered (6035), Mortgage Bankers & Loan Correspondents (6162)

akta.pro primary industry

Wealth Lending & Credit Solutions (Lombard/Margin, Mortgages, Structured Credit) (FSAAABAG)

akta.pro secondary industries

Account & Balance Services (Operating accounts, statements, eBAM) (FSABAIAD), Bank & Credit Union Personal Loans (Unsecured Installment) (FSAKAAAL)

Keywords

• Cooperative banking services
• Retail mortgage lending
• Wealth management advisory
• Business banking financing
• Insurance distribution

Headquarters

HQ city

Mosbach

HQ country

Germany

HQ region

Europe

Offices6 records

Markets served

GTM type

B2B and 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 margins on mortgage loans (Baufinanzierung), personal loans (easyCredit up to 75,000 EUR), business loans (Unternehmerkredit up to 100,000 EUR), and investment financing.
2. Payment Services: Transaction fees from payment processing including domestic and international transfers (Auslandszahlungsverkehr), card transactions, and cash management services for business customers.
3. Advisory and Wealth Management Fees: Revenue from Private Banking advisory services, wealth management (Vermögensverwaltung), and financial planning including the swiss gold plus product managed in partnership with DZ PRIVATBANK.
4. Insurance Products: Commission revenue from insurance products offered through R+V Versicherung partnership including Betriebshaftpflicht (business liability), Berufshaftpflicht (professional liability), and betriebliche Altersvorsorge (company pension schemes).
5. Securities and Investment Products: Revenue from securities trading (Wertpapierdepot), investment funds through Union Investment, gold savings plans, and other investment products distributed to customers.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels6 records

Core offering

Ihre Volksbank eG is a regional cooperative bank providing retail current accounts, savings, consumer and mortgage credit, securities accounts, and payment cards to private customers; business current accounts, fixed-term deposits, business loans, liability insurance, direct insurance, succession planning, and cybersecurity services to Mittelstand businesses; and wealth management, investment advisory, real estate management, protection/retirement planning, and generational wealth transfer to high-net-worth Private Banking clients. The bank distributes insurance and mortgages through partners R+V Versicherung, TeamBank, Bausparkasse Schwäbisch Hall, DZ HYP, and Münchener Hypothekenbank, and Private Banking services through DZ PRIVATBANK.

Product overview

Ihre Volksbank eG Neckar Odenwald Main Tauber is a German cooperative (Genossenschaftsbank) bank offering a comprehensive range of banking products and services organized across three main customer segments: Privatkunden (retail customers), Firmenkunden (business customers), and Private Banking. The retail banking suite includes Girokonto for daily banking, Tagesgeld for flexible savings, Baufinanzierung for property financing, easyCredit instant credit (up to 75,000 EUR via TeamBank), Kreditkarte credit cards, and Wertpapierdepot for securities investing. Insurance products include Private Haftpflicht-Versicherung and Betriebliche Altersvorsorge (occupational pension), both through R+V Versicherung. Digital services comprise OnlineBanking, VR Banking App for mobile banking, and VR SecureGo plus for secure authentication. The business banking segment offers Geschäftskonto, Firmenfestgeld (meinAnlageKonto), Unternehmerkredit (up to 100,000 EUR), Berufshaftpflicht insurance, Direktversicherung, Unternehmensnachfolge planning, and Cybersecurity services. The Private Banking division provides Vermögensverwaltung (wealth management), Anlageberatung (investment advisory), Immobilienmanagement, Absicherung und Vorsorge, and Generationenmanagement, including the Vermögensverwaltung swiss gold plus product (minimum 60,000 EUR) in partnership with DZ PRIVATBANK.

Differentiator

Problem solved

Functional benefit

Products and services

• Vermögensverwaltung swiss gold plus Wealth management product investing in Swiss assets with physical gold allocation, managed by DZ PRIVATBANK with a three-pillar model (Swiss equities, physical gold, and Swiss bonds/real estate funds) and a minimum investment of 60,000 EUR. Targeted at Private Banking clients seeking Swiss-market exposure with custody in Switzerland.
• Vermögensverwaltung Professional wealth management service with expert portfolio management for high-net-worth clients, including investment strategy development and ongoing portfolio oversight.
• Anlageberatung Investment advisory service providing professional advice on asset allocation and investment strategies tailored to individual client goals for Private Banking customers.
• Immobilienmanagement Real estate management service for Private Banking clients including property administration, acquisition, modernization support, and expert consultation through specialized partners.
• Absicherung und Vorsorge Protection and retirement planning service to safeguard client assets and prepare Private Banking clients comprehensively for retirement through tailored insurance and pension solutions.
• Generationenmanagement Multi-generational wealth transfer and succession planning service for Private Banking clients passing on personal and business assets to the next generation.
• Geschäftskonto Business checking account for managing company payments and day-to-day financial transactions with dedicated business banking features for Mittelstand clients.
• Firmenfestgeld (meinAnlageKonto) Corporate fixed-term deposit product for secure investment of surplus business funds with guaranteed interest rates for business customers.
• Auslandszahlungsverkehr International payment service enabling secure and efficient cross-border transactions and foreign currency payments for business customers.
• Unternehmerkredit Business loan facility providing financing up to 100,000 EUR for new plans, investments, or deferred business projects for Mittelstand clients.
• Berufshaftpflicht-Versicherung Professional liability insurance from R+V protecting businesses against financial consequences of operational errors, mistakes, or accidents.
• Direktversicherung Company-provided life insurance from R+V (betriebliche Altersvorsorge) that enhances employee retention, makes the company more attractive to applicants, and fulfills legal obligations for occupational pension provision through salary conversion.
• Unternehmensnachfolge Business succession planning service supporting company transfers within families, to employees, or external buyers, including economic, financial, and asset-related advisory via VR Equitypartner and CompetenzCentrum Nachfolge.
• Cybersecurity Business protection service offering online security solutions to help protect businesses from cyber threats and digital fraud.
• Girokonto Current account for everyday banking including account models for digital or personal service preferences, with associated debit card (girocard) and payment services for retail customers.
• Tagesgeld Flexible daily savings product with no fixed term, allowing access to funds anytime while earning interest for retail customers.
• easyCredit Instant credit option provided by TeamBank, allowing funds to be reserved for later use with loan amounts up to 75,000 EUR for retail customers.
• Baufinanzierung Property financing and mortgage service covering all aspects of residential real estate finance including home purchase and construction for retail customers.
• Private Haftpflicht-Versicherung Personal liability insurance from R+V Versicherung protecting individuals against costs arising from accidents or mishaps.
• Betriebliche Altersvorsorge Occupational pension scheme allowing employees to save for retirement through salary conversion with tax advantages, provided by R+V.
• Kreditkarte Credit card product available in different tiers (GoldCard, ExclusiveCard Plus) with associated insurance benefits and worldwide acceptance for retail customers.
• Wertpapierdepot Securities account for investment in stocks, bonds, funds, and other securities with access to German and international markets for retail customers.
• AufrundenPlus Automatic savings feature that rounds up girocard payments to the nearest euro, with a 1% special interest rate, activated through VR Banking App or OnlineBanking for retail customers.
• WM-Anlagekonto 2026 Special investment account campaign tied to the 2026 FIFA World Cup offering attractive interest rates and chances to win exclusive grill prizes for retail customers.
• Altersvorsorgedepot Retirement savings depot featuring new state subsidies available from 2027 for retirement planning and provision for retail customers.
• OnlineBanking Digital banking platform providing online access to accounts, payments, transfers, statement management, and financial services via web portal for retail and business customers.
• VR Banking App Mobile banking application for Android and iOS enabling account management, mobile payments including Apple Pay and Android Pay, and full banking services on smartphones for retail and business customers.
• VR SecureGo plus TAN procedure app providing secure transaction authentication and signing for OnlineBanking and VR Banking App, with device replacement capability.
• Video-Legitimation Video-based identification service via external provider (IDnow) enabling customers to verify their identity remotely for account opening and product applications.

Named customers2 records

Segments4 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration20 records

Feature3 records

Partnerships

14 partnerships are on record, tiered core and minor.

• DZ PRIVATBANKcoreStrategic or Co-development PartnerDZ PRIVATBANK is the Competence Center for Private Banking within the Genossenschaftliche FinanzGruppe Volksbanken Raiffeisenbanken. They specialize in sophisticated, individual solutions for affluent clients including portfolio management, wealth structuring, financial and retirement planning, and foundation advisory. DZ PRIVATBANK offers local proximity with international competence through headquarters in Frankfurt am Main and additional locations in Germany, Luxembourg, and Switzerland.
• DZ PRIVATBANK (Schweiz) AGcoreStrategic or Co-development PartnerThe swiss gold plus wealth management product is managed by DZ PRIVATBANK (Schweiz) AG, which handles portfolio management and custody of accounts and deposits in Switzerland.
• R+V VersicherungcoreChannel Partner/ Reseller/ DistributorR+V Versicherung is the primary insurance partner providing products distributed through the bank including private liability insurance (Privathaftpflicht), occupational liability insurance (Berufshaftpflicht), and Betriebliche Altersvorsorge (company pension schemes). R+V handles administration from contract signing to retirement payouts.
• TeamBank (easyCredit)minorChannel Partner/ Reseller/ DistributorTeamBank provides the easyCredit instant credit product offered through the bank, allowing customers to secure loans up to 75,000 EUR.
• Union InvestmentminorChannel Partner/ Reseller/ DistributorUnion Investment provides investment fund products distributed to retail and business customers through the bank.
• GENO BrokerminorChannel Partner/ Reseller/ DistributorGENO Broker provides brokerage services for insurance and financial products.
• VR Equitypartner GmbHcoreStrategic or Co-development PartnerVR Equitypartner is part of the Genossenschaftliche FinanzGruppe and provides support for business succession planning (Unternehmensnachfolge), helping business owners transfer their companies within families, to employees, or external buyers.
• CompetenzCentrum NachfolgecoreStrategic or Co-development PartnerAn initiative of DZ BANK AG, VR Equitypartner GmbH, and DZ PRIVATBANK providing specialized expertise for business succession and company transfers. They share knowledge through sogehtnachfolge.de platform.
• DZ BANK AGcoreStrategic or Co-development PartnerDZ BANK AG is the central institution of the cooperative banking group, providing various banking services and products distributed through member banks.
• Bausparkasse Schwäbisch HallminorChannel Partner/ Reseller/ DistributorBuilding society partner providing home savings and construction financing products.
• DZ HYPminorChannel Partner/ Reseller/ DistributorReal estate bank partner providing commercial real estate financing solutions.
• Münchener HypothekenbankminorChannel Partner/ Reseller/ DistributorMortgage bank partner providing residential and commercial mortgage products.
• ReisebankminorChannel Partner/ Reseller/ DistributorCurrency exchange services and gold savings plan (Goldsparplan) partner.
• VR Smart FinanzminorChannel Partner/ Reseller/ DistributorFinancial management tools and services partner for business customers.

Scale indicators1 record

Recent moves6 records

Expansion highlights5 records

Direct peers

• BBBank eG: Specialized cooperative bank for public-sector employees in Baden-Württemberg with comparable retail and Private Banking offerings, sharing the same DZ Group partner network and cooperative governance model.
• Volksbank Bruchsal-Bretten eG: Mid-sized cooperative bank in Baden-Württemberg with comparable product breadth (retail, business, wealth management) and the same cooperative governance model, competing in overlapping Mittelstand and retail customer segments.
• Sparkasse Tauberfranken: Regional Sparkasse (savings bank) directly overlapping the bank's footprint in the Tauberfranken region, offering the same core retail and business banking products under a competing German public-sector banking mandate.
• VR-Bank Ostalb eG: Comparable regional Volksbank in eastern Baden-Württemberg with similar size, three-segment structure (retail/business/Private Banking), and reliance on the cooperative banking network partnerships.
• PSD Bank Karlsruhe-Neustadt eG: Specialized cooperative bank in the same federal state with a similar differentiated retail and Private Banking approach, targeting affinity-group members under the Genossenschaftliche FinanzGruppe umbrella.
• Sparda-Bank Baden-Württemberg eG: Affinity-based cooperative bank in Baden-Württemberg targeting specific member groups with retail and Private Banking products, leveraging the same DZ Group partnership ecosystem for non-core offerings.
• Volksbank Kraichgau Wiesloch-Sinsheim eG: Regional German cooperative bank (Volksbank) operating in a neighboring Baden-Württemberg district with similar retail, business, and Private Banking offerings under the same Genossenschaftliche FinanzGruppe umbrella, making it a directly comparable peer.
• Volksbank Mittlerer Schwarzwald eG: Regional cooperative bank in Baden-Württemberg with parallel product offerings across retail, business, and Private Banking, serving a similar rural Mittelstand-heavy customer base.

Broad incumbents

• DZ BANK AG: Central institution of the Genossenschaftliche FinanzGruppe Volksbanken Raiffeisenbanken, acting as a wholesale bank, product factory, and strategic coordinator for member banks including Ihre Volksbank eG.

Regional players

• Kreissparkasse Heilbronn: Large regional savings bank in northern Baden-Württemberg with a broader branch network and asset base, operating as a competing Sparkassen-format institution in the broader region.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks7 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/ihre-volksbank-eg

Revenue estimate

Valuation estimate

Number of profiles

Profiles13 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 Ihre Volksbank eG