MeinPlus

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.

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

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

• Customer loyalty platform
• Cashback rewards program
• Card-linked marketing
• Cooperative banking benefits
• Regional partner discounts

Headquarters

HQ city

Wiesbaden

HQ country

Germany

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

Personnel, Technology or R&D

Revenue model

1. 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.
2. 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.
3. 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

Go-to-market motion3 records

Distribution channels5 records

Marketing channels8 records

Core 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

Named customers6 records

Segments4 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration4 records

Feature4 records

Partnerships

Five partnerships are on record, tiered core and supporting.

• Atruvia AGcoreTechnology or Integration · 1 August 2024Atruvia 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.
• benfidocoreTechnology or Integration · 5 June 2024benfido 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 PaymentsupportingTechnology or IntegrationVR 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)supportingStrategic or Co-development PartnerNeonblau 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 RaiffeisenbankencoreChannel Partner/ Reseller/ DistributorThe 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

Emerging 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

• Xx.com/meinplus
• Facebookfacebook.com/meinplus
• LinkedInlinkedin.com/company/meinplus
• Instagraminstagram.com/meinplus

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 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 MeinPlus