Raiffeisenbank Bad Windsheim eG

What Raiffeisenbank Bad Windsheim eG does

Raiffeisenbank Bad Windsheim eG is a member-owned cooperative bank (eingetragene Genossenschaft) headquartered at Bahnhofsplatz 1 in Bad Windsheim, Bavaria, serving retail customers (Privatkunden) and small-to-medium business customers (Firmenkunden) in the Bad Windsheim region of Germany. Its product portfolio spans current accounts (Girokonto, Geschäftskonto), Mastercard-branded debit and credit cards, savings and investment products (including VR-Kündigungsgeld 35, JuniorDepot via Union Investment, and online brokerage via GENO Broker), instant payments via Wero, business lending up to €100,000 (Unternehmerkredit), insurance distribution through Allianz, R+V Versicherung, and Versicherungskammer Bayern, and real estate brokerage through wholly-owned subsidiary Raiffeisen Immobilien GmbH.

The bank runs on the standard German cooperative banking technology stack shared across the Volksbanken Raiffeisenbanken (VR) network — assets and imagery are served from atruvia.scene7.com, indicating reliance on the sector's common IT provider Atruvia rather than proprietary infrastructure. Its go-to-market is omnichannel: in-person consultation at branches in the Bad Windsheim region, plus self-service via OnlineBanking, the VR Banking App, and the Online-Geschäftsstelle portal where customers can open accounts, close products, and submit service requests digitally. The revenue model is traditional banking: net interest income on deposits and lending, account and card fees, transaction commissions on brokerage, and trailer/referral economics on distributed insurance and investment products, with the cooperative member-share structure functioning as both ownership and a soft customer-loyalty mechanism.

The bank is not publicly traded, has no external private equity or venture capital investors, and discloses no revenue figures. A 2026 press release titled 'Zusammen noch besser: Mitglieder ebnen den Weg für die gemeinsame Zukunft' alongside a homepage hero asset tagged 'geplante-fusion-opener' indicates a planned consolidation transaction with another cooperative bank under member approval — a strategically significant development given the broader German cooperative banking sector's ongoing scale-rationalization trend. The bank is also publicly positioning as a community partner for the Landesgartenschau 2027 scheduled in Bad Windsheim from April 29 to October 3, 2027.

Name

Raiffeisenbank Bad Windsheim eG

Legal name

Raiffeisenbank Bad Windsheim eG

Website

https://raiba-bw.de

Company type

Private

Operating status

Operating

Headcount range

1–10 employees

Short description

Raiffeisenbank Bad Windsheim eG is a member-owned cooperative bank in Bad Windsheim, Bavaria, serving retail and SME customers with current accounts, cards, savings, brokerage, business lending, insurance, and real estate services via branches and digital channels within the German VR cooperative network.

Ownership category

akta.pro rank

Headquarters

HQ city

Bad Windsheim

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

Revenue model

1. Banking Services Revenue: The bank generates revenue through traditional banking services including account management fees, credit/financing products, payment services, and investment products. As a cooperative bank (eG), it serves members who hold shares in the institution.

Go-to-market motion1 record

Distribution channels3 records

Marketing channels1 record

Core offering

Raiffeisenbank Bad Windsheim eG is a member-owned cooperative bank providing retail and commercial banking services to private customers and SMEs in the Bad Windsheim region. Its core offerings include current accounts (Girokonto and Geschäftskonto), Mastercard debit and credit cards, savings and investment products, online brokerage, real estate services through subsidiary Raiffeisen Immobilien GmbH, business loans (Unternehmerkredit up to 100,000 EUR), and insurance products distributed through partner providers.

Product overview

Raiffeisenbank Bad Windsheim eG offers a comprehensive portfolio of banking products and services for both private and corporate customers. The core offerings include Girokonto (current accounts), debit and credit cards via Mastercard, savings and investment products including VR-Kündigungsgeld 35, and securities trading through Online-Brokerage. For investments, the bank provides JuniorDepot through UnionDepot for children's savings. Digital banking services include OnlineBanking, the VR Banking App, and the Online-Geschäftsstelle for self-service product closure. Payment services include Wero for instant payments. For corporate customers, the bank offers Geschäftskonto, Unternehmerkredit up to 100,000 euros, and business insurance solutions. Real estate services are available through subsidiary Raiffeisen Immobilien GmbH. The bank also offers membership benefits including co-determination and profit-sharing. The bank has partnerships with insurance providers (Allianz, R+V Versicherung, VKB), investment services (Union Investment), and other financial service providers for contract management.

Differentiator

Problem solved

Functional benefit

Brands

• VR-Kündigungsgeld 35: A savings/investment product with flexible term and attractive interest rates.
• JuniorDepot im UnionDepot
• Wero

Products and services

• Girokonto
• Debit- und Kreditkarten (Mastercard)
• Geldanlage & Sparen
• VR-Kündigungsgeld 35
• JuniorDepot im UnionDepot
• Online-Brokerage
• Wero
• Raiffeisen Immobilien GmbH
• Geschäftskonto
• Unternehmerkredit
• Versicherungen für Firmenkunden
• Mitgliedschaft

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Seven partnerships are on record, tiered minor and core.

• AllianzminorOthersAllianz insurance products are offered through the bank, allowing customers to purchase insurance products and manage related contract services.
• R+V VersicherungminorOthersInsurance products provider offering coverage solutions accessible through the bank's product offerings.
• TeamBankminorOthersProvides credit/installment loan products (easyCredit) that can be accessed and managed through the bank's platform.
• Union InvestmentminorOthersInvestment fund products provider offering mutual funds and investment solutions accessible through the bank's services. Also offers JuniorDepot for children's savings and investment.
• VKB – Versicherungskammer BayernminorOthersRegional insurance provider (Versicherungskammer Bayern) offering insurance products through the bank's platform.
• MastercardcoreTechnology or IntegrationMastercard provides debit and credit card services for the bank. The bank offers Mastercard cards with features including Maestro functionality, and runs promotional campaigns such as UEFA Champions League prize draws for cardholders.
• Raiffeisen Immobilien GmbHcoreOthersReal estate subsidiary providing property services including brokerage and consultation. Described as 'ehrlich. kompetent. bedarfsgerecht' (honest. competent. needs-based).

Recent moves6 records

Expansion highlights5 records

Direct peers

• Volksbanken Raiffeisenbanken (cooperative banking network): Other local cooperative banks operating under the same Volksbanken Raiffeisenbanken umbrella with identical product sets, technology platform and governance model — direct peer group for any small Raiffeisenbank.
• Volksbank Mittelfranken Mitte: Neighboring Volksbank/Raiffeisenbank cooperative bank serving the broader Middle Franconia region adjacent to Bad Windsheim; same product platform, cooperative ownership and customer profile.
• Sparda-Banken: Federation of cooperative banks in Germany targeting specific member groups (public sector employees, etc.). Same cooperative ownership model and overlapping retail/SME product offering as a local Raiffeisenbank.
• PSD Bank: Cooperative bank group serving public-sector employees with retail banking products, directly comparable cooperative structure and similar deposit/lending focus to a local Raiffeisenbank.
• Sparkasse (savings banks network): Public-law savings banks operating local branch networks across Germany, including in the Bad Windsheim region; closest head-to-head competitor for retail deposits, mortgage lending and SME banking.

Emerging players

• N26: Berlin-based digital-first challenger bank operating across Germany; a credible alternative for younger retail customers in the same German retail banking market.

Regional players

• HypoVereinsbank (UniCredit Bank GmbH): Major Bavarian retail and commercial bank within the UniCredit group, competing for the same regional retail deposits, mortgages and SME business customers across Bavaria.

Broad incumbents

• DZ BANK: Central institution and primary holding entity of the Volksbanken Raiffeisenbanken cooperative network; provides wholesale funding, product infrastructure and partner agreements (e.g., easyCredit, Union Investment) used by Raiffeisenbank Bad Windsheim.
• ING Germany (ING-DiBa): Large German direct bank with strong retail deposit franchise and digital offering; competes for the same mass-market retail customers via a low-cost digital model.
• Commerzbank: Major German full-service retail and SME bank with national branch network; competes in mortgage, deposit and SME banking segments across the same catchment.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/raiffeisenbank-bad-windsheim-eg

Revenue estimate

Valuation estimate

Number of profiles

Subsidiaries1 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 Raiffeisenbank Bad Windsheim eG