Raiffeisenbank Donau-Heuberg eG

What Raiffeisenbank Donau-Heuberg eG does

Raiffeisenbank Donau-Heuberg eG is a registered cooperative bank (eingetragene Genossenschaft) headquartered in Mühlheim an der Donau, Baden-Württemberg, founded in 1882 and operating three branches across Mühlheim, Fridingen, and Kolbingen in the Donau-Heuberg region of southern Germany. The institution serves two primary customer segments — Privatkunden (retail individuals) and Firmenkunden (small and medium-sized businesses) — with a full-service retail and commercial banking product suite including Girokonto (checking accounts), Mastercard debit/credit cards, Festgeld (fixed-term savings), easyCredit instant consumer loans via partner TeamBank, Online-Brokerage, and Gewinnsparen (lottery-linked savings), alongside business offerings such as Geschäftskonto, Unternehmerkredit up to EUR 100,000, Auslandszahlungsverkehr (international payments), Direktversicherung occupational pensions, and Unternehmensnachfolge succession advisory.

The bank's technology stack is built on the standard Volksbanken Raiffeisenbanken cooperative infrastructure rather than proprietary systems: the VR Banking App for mobile banking, VR SecureGo plus for TAN-based transaction authorization, VR-Videoident for video KYC onboarding, and the BankingManager cash-flow tool for business clients. As a member of the broader Volksbanken Raiffeisenbanken cooperative network, the bank distributes partner products from R+V Versicherung, Bausparkasse Schwäbisch Hall, Allianz, Union Investment, TeamBank, VKB, and GENO Broker — effectively outsourcing insurance, building society, and investment product capability to network partners rather than building it in-house.

Commercially, Raiffeisenbank Donau-Heuberg operates under the cooperative mutual-ownership model: customers are members with voting rights and profit-sharing participation, reinforced by the MeinPlus membership benefits program with golden girocard partner discounts. The bank differentiates on local relationship banking — including a publicly promoted 2-day mortgage credit decision commitment — and on community engagement through events such as Baufinanzierung information evenings, roadshows, and the Generalversammlung. Revenue mechanics are not publicly disclosed but follow the standard German Genossenschaftsbank model: net interest income from deposit-gathering and lending (retail mortgages, consumer credit, SMB loans) plus fee income from cards, brokerage, and partner-distributed insurance and investment products. Pricing of interest rates and fees is set through individual consultation rather than public disclosure.

Name

Raiffeisenbank Donau-Heuberg eG

Legal name

Raiffeisenbank Donau-Heuberg eG

Website

https://raiba-donau-heuberg.de

Company type

Private

Operating status

Operating

Headcount range

1–10 employees

Short description

Raiffeisenbank Donau-Heuberg eG is a cooperative bank founded in 1882, serving retail and SMB customers across three branches in the Donau-Heuberg region of Baden-Württemberg with full-service banking, digital channels, and cooperative network partner products.

Ownership category

akta.pro rank

Product category

Cooperative Banking

NAICS

Commercial Banking (52211), Depository Credit Intermediation (5221), Credit Unions (522130)

SIC

National Commercial Banks (6021), State Commercial Banks (6022)

akta.pro primary industry

Cooperative Banks (Member-Owned Commercial/Retail) (FSABAEAF)

akta.pro secondary industry

Agricultural & Rural Cooperatives (Farm Credit/Co-op Banks) (FSABAEAG)

Keywords

• Cooperative banking
• Retail banking
• Business banking
• Mortgage financing
• Savings products

Headquarters

HQ city

Mühlheim

HQ country

Germany

HQ region

Europe

Offices3 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Distribution channels5 records

Marketing channels3 records

Core offering

Raiffeisenbank Donau-Heuberg eG is a regional cooperative bank (Genossenschaftsbank) operating in the Donau-Heuberg region of Baden-Württemberg, Germany. The bank provides retail and commercial banking services, including checking and savings accounts, fixed-term deposits, consumer and business loans, mortgage/building finance, payment cards, online and mobile banking, and supplementary financial services such as insurance and investment brokerage through partner networks. As a member-owned cooperative, it emphasizes regional presence, personal advisory, and member benefits.

Product overview

Raiffeisenbank Donau-Heuberg eG operates as a regional cooperative bank (Genossenschaftsbank) offering a comprehensive portfolio of personal and business banking services. The core offerings include the VR Banking App for mobile digital banking and VR SecureGo plus App for secure transaction authentication. Personal banking encompasses Girokonto (checking accounts), debit and credit cards via Mastercard, Festgeld (fixed-term savings), easyCredit instant loans, and Online-Brokerage for securities trading. Savings products include Gewinnsparen (lottery-linked savings) and AufrundenPlus (automatic round-up savings). Business services comprise Geschäftskonto (business accounts), Unternehmerkredit (up to 100,000 EUR business loans), and Auslandszahlungsverkehr (international payments). The bank also provides Direktversicherung (company pension schemes), Unternehmensnachfolge (succession planning), and the MeinPlus membership rewards program with partner discounts.

Differentiator

Problem solved

Functional benefit

Brands

• VR Banking App: Mobile banking application for private and business customers to manage their banking affairs on the go
• VR SecureGo plus App

Products and services

• Girokonto (Checking Account) Standard and premium current account offerings for private customers, available in multiple tiers (e.g., MeinPlus, easy, premium, classic), providing payment transactions, debit/credit cards, and online banking access.
• Debit- und Kreditkarten (Debit and Credit Cards) Card products (debit and credit) issued for use with checking accounts, supporting cashless payments at point of sale and online.
• Festgeldkonto (Fixed-Term Deposit) Term deposit account that offers fixed interest rates over a set term, providing secure, predictable returns on customer savings.
• easyCredit (Consumer Loan) Flexible consumer installment loan product offered through the bank's digital credit platform, allowing customers to apply for and manage personal loans online.
• Baufinanzierung (Mortgage Finance) Mortgage and property financing product for private customers building or buying residential property, supported by a 2-day mortgage decision commitment.
• Online-Brokerage Investment brokerage service enabling customers to trade securities and manage investment portfolios online.
• Gewinnsparen (Prize-Linked Savings) A savings scheme that combines traditional savings with periodic lottery drawings, allowing savers to win prizes while retaining their principal.
• Geschäftskonto (Business Account) Current account product tailored to business clients, providing payment transactions, debit cards, and online banking for commercial operations.
• Unternehmerkredit (Business Loan) Loan product for corporate and SME clients to finance business activities, investments, and working capital needs.
• Auslandszahlungsverkehr (International Payments) Foreign payment and foreign exchange services for business clients engaged in cross-border trade and transactions.
• Direktversicherung (Company Pension Plan) Occupational pension scheme arranged through partner insurance providers, offered to businesses for employee retirement benefits.
• Unternehmensnachfolge (Business Succession Advisory) Advisory service for business owners planning the sale or transfer of their company, including financing and succession planning.
• VR-BankingManager (Cash Flow Management Tool) Online treasury and cash flow management tool for business clients, used to manage liquidity, payment flows, and account overviews.
• MeinPlus Membership Program Cooperative member benefit program providing account holders with preferential pricing, additional services, and exclusive member benefits.

Quantifiable outcome

• 2-day mortgage credit decision guarantee after receiving required documents

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 core and minor.

• Bausparkasse Schwäbisch HallcoreChannel Partner/ Reseller/ DistributorBuilding society partnership with Lothar Staiger as local contact at the bank for home savings and building society products.
• R+V VersicherungcoreChannel Partner/ Reseller/ DistributorInsurance partnership with Luigi Giannini as local R+V contact at the bank. Offers insurance products including direct insurance (Direktversicherung) for business customers.
• AllianzminorChannel Partner/ Reseller/ DistributorInsurance partner referenced for contract cancellation services.
• GENO EnergieminorChannel Partner/ Reseller/ DistributorEnergy partner for cooperative energy products and services.
• TeamBankcoreChannel Partner/ Reseller/ DistributorProvides easyCredit instant credit product offered through the bank.
• Union InvestmentminorChannel Partner/ Reseller/ DistributorInvestment fund products partner for securities and investment services.
• VKB – Versicherungskammer BayernminorChannel Partner/ Reseller/ DistributorBavarian insurance company partner for insurance products.

Recent moves6 records

Expansion highlights5 records

Emerging players

• N26: Berlin-based digital-first neobank competing for retail customers across Germany. While not focused on rural cooperative banking, it represents the emerging digital-only competitive threat for younger retail customers in the Donau-Heuberg region.

Direct peers

• PSD Banken: Group of small regional cooperative banks in Germany focused on retail banking. Comparable in scale, cooperative structure, and regional operating model to small Volksbanken Raiffeisenbanken.
• Sparkasse: Germany's public-sector savings bank group, operating a dense regional branch network with comparable retail and SME banking products. Sparkassen are the primary direct competitor to cooperative banks in regional retail and small-business banking across Germany.
• Sparda-Banken: A group of regional cooperative banks in Germany historically serving specific occupational groups (e.g., public sector employees). They share the Genossenschaft structure and member-ownership model with Raiffeisenbank Donau-Heuberg eG and compete for similar retail and small-business customers.
• Volksbank Mittlerer Schwarzwald eG: Comparable mid-sized cooperative bank in Baden-Württemberg offering similar retail/business banking, mortgage, and insurance products. Useful direct peer for benchmarking balance sheet size, branch economics, and member economics in the same German state.
• Volksbanken Raiffeisenbanken (other local cooperative banks): The nationwide cooperative banking network of which Raiffeisenbank Donau-Heuberg eG is a member. Other local Volksbanken Raiffeisenbanken institutions share the same cooperative structure, member-ownership model, Atruvia digital infrastructure, and product partnerships — making them the closest direct comparables.

Broad incumbents

• Deutsche Bank: Germany's largest universal bank, offering retail, SME, and corporate banking alongside investment banking. Represents the broad incumbent alternative for retail and SME customers in the same geographic footprint.
• Commerzbank: Major German universal bank with strong Mittelstand (SME) and retail banking presence. Competes for the same business customers (Unternehmerkredit up to €100k, international payments) served by Raiffeisenbank Donau-Heuberg eG.
• ING Deutschland: Major direct bank in Germany with strong digital banking offering, brokerage, and consumer credit products. Competes for digitally active retail customers in the same regional catchment as the cooperative bank.
• DZ Bank: Central institution and apex bank of the Volksbanken Raiffeisenbanken cooperative network. Provides wholesale funding, payment services, and product infrastructure (including the VR Banking App via Atruvia) to all member cooperative banks, including Raiffeisenbank Donau-Heuberg eG.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/raiffeisenbank-donau-heuberg-eg

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 Raiffeisenbank Donau-Heuberg eG