Raiffeisenbank Oberferrieden-Burgthann eG

What Raiffeisenbank Oberferrieden-Burgthann eG does

Raiffeisenbank Oberferrieden-Burgthann eG is a small German cooperative bank (eingetragene Genossenschaft) founded in 1894 and headquartered in Burgthann, Bavaria. The institution operates as a member-owned local bank, serving private customers (Privatkunden), small and medium-sized businesses (Firmenkunden), and real estate customers in the Oberferrieden-Burgthann region through multiple branch locations and digital channels. Its product portfolio spans standard retail and commercial banking: checking accounts (Girokonto, Geschäftskonto), Mastercard debit and credit cards, savings and investment products (Online-Brokerage, Union Investment funds, Gewinnsparen prize-linked savings), consumer credit (easyCredit via TeamBank), and real estate financing (Baufinanzierung, Modernisierungskredit, Anschlussfinanzierung, Bausparvertrag via Schwäbisch Hall, KfW-Förderung). The bank also distributes insurance products from R+V Versicherung and Allianz.

The bank's technology stack is built entirely on the Genossenschaftliche FinanzGruppe Volksbanken Raiffeisenbanken cooperative infrastructure: customers access services via the VR Banking App (iOS/Android), the OnlineBanking portal, and the Online-Geschäftsstelle (OGS) for digital product origination and service requests. The bank does not develop proprietary technology; instead it acts as a distribution front-end for partner-provided products and core banking systems.

Revenue is generated through three primary streams: net interest income from lending (mortgages, consumer credit, business loans) and deposit-taking, account and transaction fees (account maintenance, card services, payment processing), and commissions from the sale of partner-distributed insurance and investment products. The bank operates with a lean staff of seven employees, reflecting its hyper-local scale and reliance on the cooperative network for product, technology, and back-office capabilities.

Name

Raiffeisenbank Oberferrieden-Burgthann eG

Legal name

Raiffeisenbank Oberferrieden-Burgthann eG

Website

https://raiba-burgthann.de

Company type

Private

Operating status

Operating

Headcount range

1–10 employees

Short description

Raiffeisenbank Oberferrieden-Burgthann eG is a small German cooperative bank founded in 1894, providing retail and commercial banking, lending, insurance, and investment products to private and business customers in the Oberferrieden-Burgthann region via local branches and digital channels.

Ownership category

akta.pro rank

Headquarters

HQ city

Oberferrieden-Burgthann

HQ country

Germany

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Interest Income: Traditional banking revenue from interest spreads on loans (including mortgage loans, consumer credit via easyCredit, business loans) and interest paid on deposits.
2. Account and Transaction Fees: Fees for account maintenance, payment card services (Mastercard debit/credit cards), cashless payment processing, and other transaction-based services.
3. Insurance and Investment Products: Commission revenue from sale of insurance products (R+V Versicherung, Allianz) and investment products (Union Investment) through partnership arrangements.

Pricing tiers

Go-to-market motion1 record

Distribution channels5 records

Marketing channels4 records

Core offering

Raiffeisenbank Oberferrieden-Burgthann eG is a member-owned cooperative bank (Genossenschaftsbank) providing retail and commercial banking services in the Oberferrieden-Burgthann region. It offers checking accounts, Mastercard debit/credit cards, savings products, instant consumer credit via easyCredit, online brokerage, real estate financing (Baufinanzierung), renovation loans, building savings contracts, business accounts, cashless payment acceptance, and professional liability insurance through partner integrations. Digital access is provided via OnlineBanking, the Online-Geschäftsstelle (online branch), and the VR Banking App.

Product overview

Raiffeisenbank Oberferrieden-Burgthann eG operates as a cooperative bank (Genossenschaftsbank) providing a comprehensive suite of banking products through a unified digital platform. The core offering consists of the Online-Geschäftsstelle (online business office) and VR Banking App for digital access. For retail customers, the portfolio includes Girokonto (checking account), Debit- und Kreditkarten (Mastercard debit/credit cards), Online-Brokerage for securities trading, Gewinnsparen (lottery savings), and easyCredit instant credit via TeamBank partnership. Real estate services span Baufinanzierung (mortgage financing), Modernisierungskredit (renovation loans), Anschlussfinanzierung (follow-up financing), Bausparvertrag through Schwäbisch Hall, KfW-Förderung (government subsidies), and Immobilie suchen (property search). For business customers, offerings include Geschäftskonto (business accounts), Bargeldlos Kassieren (cashless payment acceptance), Berufshaftpflicht-Versicherung (professional liability insurance via R+V), and Online-Bezahlung (e-commerce payment solutions). The bank participates in the Genossenschaftliche FinanzGruppe Volksbanken Raiffeisenbanken, with financing capabilities supported by DZ HYP and MünchenerHyp.

Differentiator

Problem solved

Functional benefit

Brands

• VR Banking App: Mobile banking application for customers to manage their finances digitally, access online banking, and perform transactions.

Products and services

• Girokonto Standard checking account product allowing private customers to manage their daily finances, available in multiple models tailored to different customer needs.
• Debit- und Kreditkarten Mastercard-branded debit and credit card products for cashless payments, ATM access, and card-based transactions for private customers.
• Gewinnsparen Lottery-based savings product offering customers chances to win prizes (e.g., 'Dein Style. Dein Urlaub.' worth 4,000 euros) while saving money.
• Online-Brokerage Digital stock trading platform enabling customers to buy and sell securities at the stock exchange quickly and easily.
• easyCredit Instant consumer credit product offered in partnership with TeamBank, providing immediate financial flexibility with transparent terms for private customers.
• Online-Geschäftsstelle Digital service platform allowing customers to complete product applications and service requests online without visiting a physical branch.
• Geschäftskonto Business checking account for small and medium-sized businesses to manage payments and financial transactions.
• Bargeldlos Kassieren Cashless payment acceptance solution for business customers, offering card acceptance at favorable rates.
• Berufshaftpflicht-Versicherung Professional liability insurance protecting businesses from financial consequences of errors or accidents in operations, provided through R+V Versicherung.
• Online-Bezahlung Online payment acceptance solutions for e-commerce, allowing merchants to offer familiar payment methods to customers.
• Baufinanzierung Real estate financing product covering all aspects of property mortgage loans, supported by partners DZ HYP and MünchenerHyp.
• Modernisierungskredit Renovation credit for improving living quality or sustainability, available as an online request through the bank.
• Anschlussfinanzierung Follow-up financing product for customers whose initial mortgage term is ending, enabling early planning of continued property financing.
• Bausparvertrag Building savings contract offered in partnership with Schwäbisch Hall, enabling systematic savings toward homeownership with favorable financing terms.
• KfW-Förderung State subsidies for energy-efficient construction or renovation, integrated into the bank's property financing offerings.
• VR Banking App Mobile banking application for iOS and Android enabling customers to manage their finances, access online banking, and perform transactions via smartphone or tablet.

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature2 records

Partnerships

Nine partnerships are on record, tiered core and minor.

• R+V VersicherungcoreStrategic or Co-development PartnerPrimary insurance partner offering personal and commercial insurance products. R+V is one of Germany's largest insurers with over 9 million customers and 18,400 employees. Products include liability, property, and life insurance accessible through bank branches.
• TeamBank (easyCredit)coreTechnology or IntegrationProvider of the easyCredit instant loan product offered through the bank's digital and branch channels. TeamBank is a digital-focused direct bank within the cooperative network.
• DZ PRIVATBANKcoreStrategic or Co-development PartnerCompetence center for Private Banking and fund services within the Genossenschaftliche FinanzGruppe. Provides investment management and multi-currency lending services.
• DZ HYPcoreStrategic or Co-development PartnerLeading real estate bank in Germany and competence center for public sector clients within the cooperative network. Specializes in mortgage financing and property lending.
• Schwäbisch HallcoreStrategic or Co-development PartnerGermany's largest building society (Bausparkasse) with approximately 6.5 million customers. Provides building savings contracts and construction financing solutions.
• Münchener HypothekenbankminorStrategic or Co-development PartnerNational and international real estate bank and close partner of Volksbanken Raiffeisenbanken for residential and commercial property financing.
• Union InvestmentcoreChannel Partner/ Reseller/ DistributorInvestment fund provider offering securities funds and asset management products distributed through bank branches and online platforms.
• AllianzminorChannel Partner/ Reseller/ DistributorInsurance products offered through bank branches as part of comprehensive financial services offering.
• MastercardcoreTechnology or IntegrationPayment card network provider for debit and credit cards issued by the bank, enabling cashless payments and ATM access globally.

Recent moves6 records

Expansion highlights4 records

Broad incumbents

• Sparkasse: Germany's decentralized network of public-law savings banks providing similar local retail and business banking services. Major competitor in the German cooperative/municipal banking space with deeply embedded local presence.
• Postbank: Major German retail bank offering checking accounts, mortgages, and consumer loans. Competes with cooperative banks in the retail banking segment with strong brand recognition and broader product range.
• Deutsche Bank: Germany's largest universal bank offering retail, business, and investment banking services. Competes with cooperative banks for retail deposits, mortgages, and SMB customers in the local market.
• Commerzbank: Major German universal bank providing retail and commercial banking services. Competes with cooperative banks for SMB and retail customers across Germany with broader product capabilities.

Direct peers

• DKB (Deutsche Kreditbank): German direct bank offering retail banking, consumer loans, and mortgages. Comparable to cooperative banks in serving retail customers through digital channels with similar product breadth.
• Sparda-Bank: Another German cooperative bank (Genossenschaftsbank) serving retail and business customers with similar full-service banking offerings through multi-channel distribution. Operates under the same cooperative ownership and regulatory framework as Raiffeisenbank.
• ING-DiBa: Germany's largest direct bank offering retail banking products through digital channels. Competes directly with traditional cooperative banks for retail deposits, consumer loans, and mortgage origination.
• PSD Bank: German cooperative bank serving specific professional groups with retail banking products. Structurally similar to Raiffeisenbank Oberferrieden-Burgthann as a member-owned cooperative with comparable deposit and lending offerings.
• Volksbanken Raiffeisenbanken (Cooperative Network): The nationwide cooperative banking network of which Raiffeisenbank Oberferrieden-Burgthann is a member. Provides shared infrastructure, partner products, and technology platforms used by all member banks, making local cooperative banks direct peers under the same operational model.

Emerging players

• N26: Berlin-based digital-first bank offering mobile banking services. Represents the digital-native competitive threat to traditional cooperative banks like Raiffeisenbank Oberferrieden-Burgthann, particularly among younger retail customers.

Market position

Strengths3 records

Weaknesses4 records

Competitive moat5 records

Key risks5 records

Key highlights5 records

Customer concentration

• LinkedInlinkedin.com/company/raiffeisenbank-oberferrieden-burgthann-eg

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

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M&A

Investments

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Frequently asked questions about Raiffeisenbank Oberferrieden-Burgthann eG