Raiffeisenbank Kaarst eG

What Raiffeisenbank Kaarst eG does

Raiffeisenbank Kaarst eG is a small German cooperative bank (eingetragene Genossenschaft) headquartered in Kaarst, Germany, operating with approximately 8 employees as a local member of the Genossenschaftliche FinanzGruppe Volksbanken Raiffeisenbanken network. The bank serves private customers (Privatkunden) and small-to-medium business customers (Firmenkunden) with a comprehensive but largely partner-distributed product suite: current accounts (Girokonto, Geschäftskonto), debit and credit cards (Mastercard BusinessCard Classic at €30/year and Gold at €80/year), instant credit (easyCredit via TeamBank), online brokerage (via Union Investment and GENO Broker), and insurance products distributed through R+V Versicherung including private liability, travel health, professional liability, trade credit, surety, and construction-industry packages.

The underlying technology stack is built entirely on shared cooperative banking infrastructure rather than proprietary systems: the VR Banking App (Android/iOS), VR SecureGo plus App for two-factor authentication, Online-Geschäftsstelle (online branch platform) for self-service product acquisition, and integrations with Mastercard Identity Check, Visa Secure, VR Payment (full-service payment provider within the DZ BANK Group), and DATEV for accounting data export. The recently introduced VR Smart Guide cloud-based accounting software (€10-€18/month) extends the platform into SaaS-style financial tooling for small businesses. No proprietary technology, patents, or AI/ML capabilities are disclosed.

Revenue is generated primarily through traditional banking mechanics: net interest income from local mortgage, personal, and business lending; recurring account and card fees (€30-€80/year for BusinessCards, €10-€18/month for VR Smart Guide); and commission/affiliate revenue from distributing partner products (R+V insurance, Union Investment funds, TeamBank easyCredit, GENO Broker). Distribution combines a hybrid GTM of branch-based advisory sales for complex products (succession planning, insurance, business financing) with digital self-service for routine banking through the VR Banking App and Online-Geschäftsstelle. The bank markets via its digital platform, online appointment booking, branch network, and word-of-mouth within the cooperative membership base. No revenue figure is publicly disclosed.

Name

Raiffeisenbank Kaarst eG

Legal name

Raiffeisenbank Kaarst eG

Website

https://raiba-kaarst.de

Company type

Private

Operating status

Operating

Headcount range

1–10 employees

Short description

Raiffeisenbank Kaarst eG is a small German cooperative bank in Kaarst serving private and SME customers with accounts, cards, loans, insurance, and brokerage through the Volksbanken Raiffeisenbanken cooperative network and partner-distributed products.

Ownership category

akta.pro rank

Product category

Retail Banking

NAICS

Depository Credit Intermediation (5221), Savings Institutions and Other Depository Credit Intermediation (522180)

SIC

Savings Institutions, Not Federally Chartered (6036)

akta.pro industry

PRIMARYFSAGAAAB

Digital Account Opening & Onboarding (eKYC, eSignature, Origination)

Financial & Insurance/Financial Technology (Fintech)/Digital Banking & Neobanking Platforms

SECONDARYFSAGALAD

Embedded Lending & Credit (POS, Working Capital, Credit Lines)

Financial & Insurance/Financial Technology (Fintech)/Embedded Finance & Banking-as-a-Service (BaaS)

Keywords

• Retail banking services
• Cooperative banking
• Business banking solutions
• Payment processing services
• Insurance distribution

Headquarters

HQ city

Kaarst

HQ country

Germany

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Interest Income: Traditional lending revenue from mortgage loans, personal loans (easyCredit), and business financing
2. Account and Card Fees: Annual fees from business credit cards (BusinessCard Classic €30/year, BusinessCard Gold €80/year) and account services
3. Insurance Distribution: Commission revenue from R+V Versicherung products including liability, vehicle, construction, and employee insurance
4. Software Services: Revenue from VR Smart Guide accounting software subscription (€10-18/month)

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels3 records

Core offering

Raiffeisenbank Kaarst eG is a local cooperative bank (eingetragene Genossenschaft) that provides retail and business banking services, including current accounts, debit and credit cards, consumer and business loans (easyCredit), securities brokerage, payment processing, business succession advisory, and insurance distribution. Banking products are delivered through a network of physical branches complemented by digital channels including the Online-Geschäftsstelle, VR Banking App, and VR SecureGo plus authentication app.

Product overview

Raiffeisenbank Kaarst eG offers a comprehensive banking platform consisting of multiple integrated products for both private and corporate customers. For private customers, the core offerings include the Girokonto (current account), Debit- und Kreditkarten (debit/credit cards via Mastercard), easyCredit instant credit (via TeamBank partnership), Online-Brokerage for securities trading, and insurance products (private liability and travel health insurance via R+V Versicherung). For business customers, the portfolio centers on the Geschäftskonto (business account) paired with BusinessCard Classic and BusinessCard Gold corporate credit cards, comprehensive insurance solutions including professional liability, trade credit, and surety bonds (via R+V), plus specialized construction industry insurance. Supporting these core products are digital platforms including the Online-Geschäftsstelle (online branch), VR Banking App (mobile banking), and VR SecureGo plus App (two-factor authentication). Additional services include the VR Smart Guide accounting software for small businesses, VR Payment processing services, and succession planning advisory services. The bank distributes insurance products through R+V Versicherung, TeamBank, Union Investment, and GENO Broker as strategic partners.

Differentiator

Problem solved

Functional benefit

Brands

• VR SecureGo plus App: Mobile app for secure authentication and payment authorization
• VR Banking App
• VR Smart Guide
• BusinessCard

Products and services

• Girokonto Current account product for private customers to manage personal finances, with digital access via VR Banking App and Online-Geschäftsstelle.
• Debit- und Kreditkarten Debit and credit cards issued under the Mastercard partnership for personal banking customers, including the girocard Debit Mastercard.
• easyCredit Instant personal credit product offered in partnership with TeamBank, allowing customers to calculate and apply for loans immediately online with flexible financing options.
• Online-Brokerage Digital securities trading platform enabling customers to buy and sell stocks easily via the bank's online services.
• Private Haftpflicht-Versicherung Personal liability insurance from R+V Versicherung protecting private customers against costs arising from accidents or mishaps in everyday life.
• Auslandsreise-Krankenversicherung Travel health insurance from R+V Versicherung covering medical treatment costs abroad for private customers.
• Geschäftskonto Business checking account for companies to manage payments and financial transactions, available for businesses with a German registered office.
• BusinessCard Classic Mastercard corporate credit card for businesses priced at €30 per year, including foreign travel health and accident insurance, free advance financing, and 5% cashback on hotel bookings.
• BusinessCard Gold Premium Mastercard corporate credit card for executives and frequent travelers, priced at €80 per year, with trip cancellation insurance, full collision damage waiver for rental cars, 7% hotel cashback, and personal concierge service.
• Berufshaftpflicht-Versicherung Professional liability insurance from R+V Versicherung protecting businesses against financial consequences of errors or accidents in operations.
• Warenkreditversicherung Trade credit insurance from R+V protecting businesses against payment defaults from customers.
• Kautionsversicherung Surety/bond insurance from R+V allowing businesses to secure important contracts without tying up bank credit lines.
• UnternehmensPolice Comprehensive insurance bundle from R+V combining all required business insurances in one package.
• Versicherungen für Bauunternehmen Specialized insurance solutions from R+V for construction companies covering liability, bonds, machinery, vehicles, and employee provisions.
• VR Smart Guide Cloud-based accounting and invoicing software for small businesses and self-employed, featuring invoice management, booking automation, tax preparation, financial forecasting, and DATEV export.
• Unternehmensnachfolge Business succession advisory service helping business owners transfer their company through family, employees, or external succession with financial and wealth planning support.
• Zahlungsverkehr Payment transaction services for businesses including domestic and international transfers, direct debits, and card payments.
• Union Investment Investment fund partner from the cooperative financial group offering fund-based investments and wealth management solutions for retail and business customers.

Quantifiable outcome

• 10% price advantage on rental car bookings with Europcar for BusinessCard holders
• +1 more outcomes

Segments4 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration7 records

Feature2 records

Partnerships

Twelve partnerships are on record, tiered core and minor.

• R+V Versicherung (R+V Versicherung AG)coreStrategic or Co-development PartnerPrimary insurance partner offering comprehensive corporate and employee insurance products including liability, vehicle, construction, and occupational health insurance. R+V is one of Germany's largest insurers with over 9 million customers, 18,400 employees, and 26 million insured risks.
• VR PaymentcoreTechnology or IntegrationLeading German payment service provider and sole full-service provider in banking hand within the DZ BANK Group. Offers all payment services from a single source for the cooperative banking network.
• VR Smart Finanz (VR Smart Guide)coreTechnology or IntegrationAccounting and financial management software partner providing invoicing, order management, tax preparation, and financial planning tools for small businesses and self-employed customers.
• TeamBank (easyCredit)coreChannel Partner/ Reseller/ DistributorInstant credit product (easyCredit) offered through Raiffeisenbank Kaarst for personal loans with flexible financing options. Distributed as white-label product under the VR Banking ecosystem.
• Union InvestmentcoreChannel Partner/ Reseller/ DistributorInvestment fund products distributor for retail and business customers seeking wealth management and investment solutions.
• GENO BrokerminorChannel Partner/ Reseller/ DistributorFinancial information and brokerage services partner for securities trading and investment services.
• Mastercard (via DZ BANK)coreTechnology or IntegrationCard network provider enabling BusinessCard Classic and BusinessCard Gold credit cards with contactless payment, international acceptance, and security features including Identity Check.
• EuropcarminorGTM or Marketing PartnerVehicle rental partner offering preferential corporate rates for BusinessCard holders with 10% discount and special business tariffs through dedicated Contract ID.
• VR BusinessHotel (Urlaubsplus)minorGTM or Marketing PartnerHotel booking portal with over 170,000 hotels in 155 countries offering 5-7% cashback on bookings paid with BusinessCards.
• VR Equitypartner GmbHcoreStrategic or Co-development PartnerEquity investment and succession planning partner within the cooperative financial group. Supports business succession planning through the sogehtnachfolge.de platform and nexxt-change business exchange.
• DZ BANK AG (DZ BANK Deutsche Zentral-Genossenschaftsbank)coreStrategic or Co-development PartnerCentral institution for cooperative banks in Germany, providing payment card products (BusinessCards), payment infrastructure, and integration services for the Raiffeisenbank network.
• Visa SecurecoreTechnology or IntegrationOnline payment authentication service for Visa cards enabling secure online transactions through two-factor authentication.

Scale indicators2 records

Recent moves1 record

Expansion highlights4 records

Direct peers

• DKB (Deutsche Kreditbank): Online/direct bank with a German retail deposit, consumer-lending, and brokerage product set that overlaps heavily with Raiffeisenbank Kaarst's transactional banking offerings.
• ING-DiBa: Germany's largest direct bank competing head-on for retail deposits, consumer credit (similar to easyCredit), brokerage, and increasingly SMB banking via a digital-first model with no physical branches.
• Volksbank Düsseldorf Neuss eG: A direct cooperative-banking sister in the same Genossenschaftliche FinanzGruppe operating a similar retail and SMB bank in the neighboring Düsseldorf/Neuss metro area with an almost identical product suite.
• Sparkasse Neuss: Local savings bank (Sparkasse) serving the same regional catchment as Raiffeisenbank Kaarst with comparable retail deposit, lending, and SME banking services under the public-sector savings-bank model.
• Sparda-Bank West: German cooperative bank serving a defined affinity group in the western region with similar cooperative governance, deposit/lending mix, and regional advisory branch model.

Broad incumbents

• Deutsche Bank: Largest German universal bank with full retail, SME, payments, and insurance-distribution capabilities, representing the upper-bound incumbent against which small cooperative banks compete for sophisticated clients.
• Postbank: Major German retail bank (Deutsche Bank subsidiary) with national branch and digital distribution serving retail accounts, payment cards, consumer credit, and brokerage comparable to Raiffeisenbank's full stack.
• Targobank: German retail bank offering deposit accounts, consumer credit, and brokerage aimed at similar mass-market personal-banking customers, providing a national-scale competitive backdrop.
• Commerzbank: Major German universal bank with a strong Mittelstand/SME banking franchise that competes with Raiffeisenbank Kaarst's Firmenkunden offering at a broader scale.

Emerging players

• N26: Berlin-based German neobank with a mobile-first retail deposit and payments offering that targets younger and urban customers—a credible emerging challenger for the digital portion of the bank's transactional customer base.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/raiffeisenbank-kaarst-eg

Revenue estimate

Valuation estimate

Number of profiles

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 Kaarst eG