MeinPlus
MeinPlus GmbH operates a card-linked cashback and loyalty platform serving Germany's Volksbanken Raiffeisenbanken cooperative banking network. It connects approximately 700 banks and 30 million customers with regional SMBs and 300+ online partners through automatic cashback and the integrated VR Banking App.
- Company typePrivate
- Founded2008
- HeadquartersWiesbaden, Germany
- Headcount11–50
- GTM typeB2B
- OfferingSoftware
What MeinPlus does
MeinPlus GmbH operates a card-linked cashback and customer loyalty platform serving the Genossenschaftliche FinanzGruppe, Germany's network of approximately 700 cooperative banks (Volksbanken Raiffeisenbanken). The company's core products are MeinPlus Cashback — which automatically returns money to customers when they pay with girocard, credit card, Google Pay, or Apple Pay at participating partners — and MeinPlus Show-Your-Card, a discount program using a branded golden girocard. The platform connects the cooperative banking network's roughly 30 million customers with regional small and medium businesses, alongside 300+ online and national partners spanning e-commerce, travel, and entertainment.
The underlying technology is a modular Plug & Play "Beyond Banking-as-a-Service" platform provided by benfido (in which parent DG Nexolution holds >25%), combining Payment Analytics and Card-linked Marketing delivered via API into bank environments. AI-based targeting algorithms personalize partner offers using banking and spending data. A key technical milestone was the native integration of the MeinPlus Wallet into the VR Banking App (Atruvia AG) at the end of 2025/early 2026, making cashback status visible alongside daily banking transactions. The platform is ISO/IEC 27001 certified and compliant with the German Barrierefreiheitsstärkungsgesetz (BFSG).
MeinPlus pursues a hybrid go-to-market: enterprise field sales targeting cooperative banks (e.g., bank sales representative Jan Schumacher), channel/partner acquisition for regional merchants via the partner portal (partner.benfido.com), and product-led growth for end customers through the VR Banking App and standalone MeinPlus App. Revenue is generated through (1) partner subscription fees of €9.90/month after a 12-month free trial, (2) transaction-based cashback commissions deducted from partner sales, and (3) bank partnership fees paid by participating Volksbanken Raiffeisenbanken. The company is majority-owned by DG Nexolution eG, with DZ BANK AG holding a 25.1% stake acquired in June 2025, and operates from a ~23-person team headquartered in Wiesbaden.
MeinPlus firmographics
Firmographics- Name
- MeinPlus
- Legal name
- MeinPlus GmbH
- Website
- https://meinplus.de
- Company type
- Private
- Founded year
- 2008
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- MeinPlus GmbH operates a card-linked cashback and loyalty platform serving Germany's Volksbanken Raiffeisenbanken cooperative banking network. It connects approximately 700 banks and 30 million customers with regional SMBs and 300+ online partners through automatic cashback and the integrated VR Banking App.
- Ownership category
- akta.pro rank
MeinPlus industry classification
Industry- Product category
- Customer Loyalty Platform
- NAICS
- Financial Transactions Processing, Reserve, and Clearinghouse Activities (52232), Sales Financing (52222)
- SIC
- Finance Services (6199)
- akta.pro primary industry
- BNPL Consumer Apps & Wallets (Discovery, Management) (FSAGAIAG)
Keywords
Where MeinPlus is headquartered
LocationHeadquarters
- HQ city
- Wiesbaden
- HQ country
- Germany
- HQ region
- Europe
Offices1 record
Markets served
MeinPlus business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Personnel, Technology or R&D
Revenue model
- Partner Subscription Fees: Regional and online partners pay a monthly subscription fee of €9.90 after a 12-month free trial. This is a recurring SaaS-style revenue stream from merchants.
- Transaction-based Cashback Commissions: Partners only pay when they generate actual revenue through the platform. Cashback is deducted from partner sales, making this a performance-based transaction fee model.
- Bank Partnership Fees: Volksbanken Raiffeisenbanken integrate MeinPlus as a customer loyalty service. While specific fees aren't disclosed, banks pay for platform access and integration services as part of the DZ BANK initiative.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Partner monthly subscription |
Go-to-market motion3 records
Distribution channels5 records
Marketing channels8 records
MeinPlus product offering
Product offeringCore offering
MeinPlus operates a card-linked loyalty platform that connects approximately 700 Volksbanken Raiffeisenbanken with their customers and regional/national business partners. Customers earn automatic cashback on purchases with linked girocard, credit cards, Google Pay, and Apple Pay at participating merchants, or receive instant discounts through the Show-Your-Card program using a branded golden girocard. The MeinPlus Wallet is now natively integrated into the VR Banking App.
Product overview
MeinPlus is a loyalty and customer retention platform operated by MeinPlus GmbH as part of the Genossenschaftliche FinanzGruppe (German cooperative banking group). The offering consists of two main programs: MeinPlus Cashback (automatic money-back rewards on card payments) and MeinPlus Show-Your-Card (instant discounts via a branded golden girocard). The MeinPlus Wallet serves as the central digital interface for managing cashback earnings and payouts, now integrated into both the VR Banking App and available as a standalone mobile application. Regional business partners are served through the MeinPlus Regio+ program, which enables local merchants to participate in the loyalty ecosystem. The platform connects approximately 700 cooperative banks (Volksbanken Raiffeisenbanken) with their customers and regional business partners, processing card-linked offers and cashback rewards.
Differentiator
Problem solved
Functional benefit
Brands
- MeinPlus Cashback: Cashback program where customers automatically receive money back for purchases at participating partners.
- Show-Your-Card
Products and services
- MeinPlus Cashback Automatic cashback loyalty program where customers earn money back on purchases at participating partners when paying with girocard, credit card, Google Pay, or Apple Pay. Available to customers of participating Volksbanken Raiffeisenbanken.
- MeinPlus Show-Your-Card Card-based discount program where customers present their golden girocard at participating partners for instant discounts and exclusive offers, separate from the Cashback program.
- MeinPlus Wallet Digital wallet feature displaying cashback balance and enabling cashout to bank accounts. Integrated natively into the VR Banking App and available as a standalone mobile app on iOS and Android.
- MeinPlus Regio+ Regional partner program focused on connecting local businesses with bank customers in their service areas, providing tools to increase visibility, customer loyalty, and sales through the MeinPlus ecosystem.
- MeinPlus Partnerportal Partner management portal (partner.benfido.com) where participating businesses manage MeinPlus settings, view transaction data, and request adjustments to their cashback offerings.
Quantifiable outcome
- 25-30% cheaper to retain existing customers than acquire new ones (industry benchmark cited by MeinPlus)
- +1 more outcomes
Companies that use MeinPlus
Customer profileNamed customers6 records
Segments4 records
Ideal customer profiles4 records
MeinPlus technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration4 records
Feature4 records
MeinPlus partnerships and signals
Strategic signalPartnerships
Five partnerships are on record, tiered core and supporting.
- Atruvia AGcoreAtruvia AG partnered with MeinPlus to integrate the MeinPlus Wallet into the VR Banking App. This deep technical integration connects MeinPlus loyalty functionality with the daily banking app used by millions of cooperative bank customers. VR Banking App serves as a central customer touchpoint.
- benfidocorebenfido developed the modular Plug & Play ecosystem technology powering MeinPlus. The Beyond Banking-as-a-Service platform combines Payment Analytics and Card-linked Marketing. DG Nexolution invested >25% in benfido in June 2024. MeinPlus uses benfido's SaaS platform for cashback processing and AI-driven campaign management.
- VR PaymentsupportingVR Payment is a payment service provider within the cooperative banking group. Involved in enabling the card-linked payment infrastructure that triggers automatic cashback for MeinPlus users.
- Project Group Neonblau (BVR)supportingNeonblau is a project group within the Bundesverband der Volksbanken und Raiffeisenbanken (BVR). They collaborated on optimizing the MeinPlus App's customer journey and user experience, particularly for younger customers.
- Volksbanken RaiffeisenbankencoreThe approximately 700 cooperative banks serve as distribution partners, offering MeinPlus to their customers and members. Banks integrate the platform into their digital offerings and promote usage among their retail and business customers.
Scale indicators5 records
Recent moves6 records
Expansion highlights6 records
MeinPlus competitors and assessment
Company assessmentEmerging players
- OptioPay: European fintech offering payment-based rewards, cashback, and digital marketing solutions for banks and merchants. Comparable in combining payment-data and reward mechanics.
- Yapital: European cross-channel cashless payment and loyalty platform with bank-distribution focus. Comparable in tying payments and rewards into a unified consumer proposition.
- Carduk: Card-linking marketing technology provider enabling cashback and offers triggered by card payments. Competes on the underlying technology platform that powers card-linked promotions.
Direct peers
- Shoop: German cashback platform aggregating online retailer rebates. Competes with MeinPlus Cashback in the online shopping cashback category, though without MeinPlus's banking-embedded distribution.
- Rakuten (Germany): Global cashback and rewards platform with a strong German presence, offering cashback at thousands of online retailers. Direct competitor in the online cashback segment.
- Payback: Germany's largest multi-partner loyalty program with 50M+ members, offering card-linked discounts and point accumulation at retail partners. Closest direct competitor with broader merchant acceptance and larger customer base.
- DeutschlandCard: Major German loyalty program combining card-linked discounts and points-based rewards across retail and online partners. Directly competes with MeinPlus for partner marketing budgets and consumer engagement.
Others
- Loyalty Prime: SaaS provider of loyalty platform technology for banks and financial institutions. Enabling peer rather than direct competitor, supplying the underlying stack that competing bank-loyalty programs may adopt.
Broad incumbents
- Edenred: Global B2B benefits and engagement platform with significant German operations in employee benefits, gift cards, and loyalty. Broader portfolio but overlapping customer-loyalty functionality.
- Blackhawk Network: Global gift card, payment, and loyalty network with German operations. Adjacent in providing branded payments and rewards distribution for banks and retailers.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
MeinPlus social profiles
Digital presenceMeinPlus compliance and trust
Trust signalCompliance1 record
MeinPlus financial estimates
Financial estimateRevenue estimate
Valuation estimate
MeinPlus leadership team
Management profileNumber of profiles
Profiles4 records
MeinPlus funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
MeinPlus 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 MeinPlus
What does MeinPlus do?
MeinPlus operates a card-linked loyalty platform that connects approximately 700 Volksbanken Raiffeisenbanken with their customers and regional/national business partners. Customers earn automatic cashback on purchases with linked girocard, credit cards, Google Pay, and Apple Pay at participating merchants, or receive instant discounts through the Show-Your-Card program using a branded golden girocard. The MeinPlus Wallet is now natively integrated into the VR Banking App.
Is MeinPlus a public or private company?
MeinPlus is a private company. It is classified as corporate owned and is currently operating.
When was MeinPlus founded?
MeinPlus was founded in 2008. It employs 11 to 50 people.
Where is MeinPlus based?
MeinPlus is headquartered in Wiesbaden, Germany, in the Europe region.
How does MeinPlus make money?
Three revenue lines are on record. Partner Subscription Fees are the primary driver. The others are transaction-based Cashback Commissions and bank Partnership Fees.
Who are MeinPlus's main competitors?
Emerging players on record are OptioPay, Yapital and Carduk. Direct peers are Shoop, Rakuten (Germany), Payback and DeutschlandCard. Loyalty Prime is listed as an others. Broad incumbents are Edenred and Blackhawk Network.
Does MeinPlus have an API?
No public API is recorded for MeinPlus.
What industry is MeinPlus in?
MeinPlus's product category is Customer Loyalty Platform. Its primary akta.pro industry code is FSAGAIAG, BNPL Consumer Apps & Wallets (Discovery, Management). Its NAICS code is 52232 and its SIC code is 6199.