Raiffeisenbank Augsburger Land West

What Raiffeisenbank Augsburger Land West does

Raiffeisenbank Augsburger Land West eG is a small German cooperative bank (eingetragene Genossenschaft) headquartered in Zusmarshausen, Bavaria, serving retail customers, business customers, and private banking clients across the western part of the Augsburg district. The bank operates with a stated 8-person headcount and a hybrid distribution model that combines physical branch locations with the OnlineBanking portal and the VR Banking App, plus Apple Pay integration for virtual debit and credit cards. As a member institution of the Genossenschaftliche FinanzGruppe Volksbanken Raiffeisenbanken, it operates within the shared cooperative banking IT infrastructure and brand ecosystem rather than on proprietary technology.

The product portfolio covers standard retail and SMB banking: Girokonto (checking accounts), Mastercard debit and credit cards, the easyCredit instant consumer loan via TeamBank (up to 75,000 EUR), Fondssparplan (fund savings plans starting at 25 EUR/month), Bausparvertrag (building savings contracts), Geschäftskonto (business accounts), Firmenkreditkarte (corporate credit cards via DZ BANK), Kartenterminals (card payment terminals via VR Payment), Auslandszahlungsverkehr (international payment services), and Firmenkunden-Fonds (business investment funds via Union Investment). The bank also distributes insurance products from Allianz, R+V Versicherung, and VKB, and offers a 2025-launched JuniorDepot product through Union Investment targeting children's savings.

Revenue is generated through interest income on loans and deposits, account and card fees, transaction commissions, and distribution fees on partner-manufactured investment, insurance, and credit products. The cooperative ownership structure means members (qualifying customers) hold voting rights and receive dividend distributions rather than external shareholders owning equity. No revenue, deposit, or loan-book figures are publicly disclosed; the bank positions itself on local presence, member ownership ('Meine Bank gehört mir'), and access to the cooperative group's partner ecosystem as its primary value proposition.

Name

Raiffeisenbank Augsburger Land West

Legal name

Raiffeisenbank Augsburger Land West eG

Website

https://rb-alw.de

Company type

Private

Operating status

Operating

Headcount range

1–10 employees

Short description

Raiffeisenbank Augsburger Land West eG is a small Bavarian cooperative bank with 8 employees, serving retail, business, and private banking customers in the western Augsburg region with checking accounts, cards, consumer loans, savings plans, and partner-distributed investment and insurance products.

Ownership category

akta.pro rank

Product category

Retail Banking

NAICS

Savings Institutions and Other Depository Credit Intermediation (52218), Commercial Banking (52211)

SIC

National Commercial Banks (6021)

akta.pro primary industry

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

akta.pro secondary industry

Agricultural & Rural Development Banks (FSABAKAE)

Keywords

• Retail banking services
• Cooperative banking
• Business banking
• Payment processing
• Consumer lending

Headquarters

HQ city

Zusmarshausen

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: Traditional cooperative bank revenue derived from interest income (loans, mortgages), commission income (account fees, card transactions, payment services), and investment product distribution (funds, insurance, building savings). Part of the cooperative financial group enabling cross-selling of partner products.

Go-to-market motion1 record

Distribution channels4 records

Marketing channels3 records

Core offering

Raiffeisenbank Augsburger Land West eG is a German cooperative bank (eingetragene Genossenschaft) offering retail and business banking products, including current accounts, debit and credit cards, consumer and business loans, savings plans, investment funds, insurance products, and merchant card payment services. It serves private customers, corporate clients, and private banking customers through its physical branch, OnlineBanking portal, and VR Banking App, and is part of the Genossenschaftliche FinanzGruppe Volksbanken Raiffeisenbanken cooperative network.

Product overview

Raiffeisenbank Augsburger Land West eG is a German cooperative bank offering a comprehensive portfolio of retail and business banking products and services. The bank provides core personal banking products including Girokonto (checking accounts), Debit- und Kreditkarten (Mastercard debit/credit cards with Apple Pay integration), easyCredit instant loans (up to 75,000 EUR via TeamBank), Fondssparplan (fund savings plans from 25 EUR/month), and Bausparvertrag (building savings contracts for real estate financing). For business customers, the bank offers Geschäftskonto (business accounts), Firmenkreditkarten (corporate credit cards), Kartenterminals (card payment terminals via VR Payment), Auslandszahlungsverkehr (international payment services), and Firmenkunden-Fonds (business investment funds). The bank distributes Union Investment products including the JuniorDepot for children's savings, and partners with Allianz, R+V Versicherung, and VKB for insurance offerings. Digital services include OnlineBanking via portal, VR Banking App for mobile access, and mobile payment capabilities. The bank operates within the Genossenschaftliche FinanzGruppe Volksbanken Raiffeisenbanken network, utilizing shared infrastructure including girocard, SEPA payment systems, and Wero payment functions.

Differentiator

Problem solved

Functional benefit

Products and services

• Girokonto (current account) Standard retail current account for personal banking customers, providing day-to-day account management, card-based payments, and access to OnlineBanking and the VR Banking App.
• Geschäftskonto (business current account) Current account tailored for small and medium-sized businesses and corporate clients for daily business banking, payments, and cash management.
• Debit- und Kreditkarten (Debit and credit cards, including girocard, Mastercard and Visa) Personal and business debit and credit cards supporting in-store, online, and contactless payments for retail and business customers.
• Firmenkreditkarte (business credit card) Business credit card for corporate clients to handle company expenses and travel payments.
• Kartenterminals (card payment terminals) POS card payment terminals offered to merchants so they can accept girocard, Mastercard, and Visa card payments at the point of sale.
• easyCredit (consumer credit) Consumer loan product for personal financing needs, distributed via the bank's online and advisory channels to retail customers.
• Bausparvertrag (home savings contract) Home savings contract product for building capital towards home ownership or future financing needs, offered to retail customers.
• Fondssparplan (investment fund savings plan) Regular savings plan in investment funds, enabling retail customers to build wealth gradually via partner fund providers.
• UnionDepot (investment depot) Securities and investment depot held with Union Investment, used by retail and private banking customers to hold funds, securities, and structured wealth products.
• JuniorDepot im UnionDepot (junior investment depot) Junior investment depot embedded within UnionDepot, designed for minors and parents to build long-term wealth for children.
• Versicherung & Schützen (insurance and protection) Insurance products and protection solutions for retail and business customers, distributed in cooperation with the group's insurance partner.
• Auslandsreise-Krankenversicherung (travel health insurance) Travel health insurance for retail customers travelling abroad, offered via partner insurance providers.
• Auslandszahlungsverkehr (foreign payment services) Cross-border and foreign currency payment services for business and private clients needing to make or receive international payments.
• Firmenkunden-Fonds (business customer investment funds) Investment fund solutions tailored for business and corporate clients to invest company liquidity.
• Mobil bezahlen (mobile payment: Apple Pay, Garmin Pay) Contactless mobile payment service enabling customers to pay via supported devices such as Apple Pay and Garmin Pay using their bank cards.
• OnlineBanking (web banking portal at banken-ral.de) Online banking web portal allowing customers to manage their accounts, payments, and investments digitally.
• VR Banking App (mobile banking app) Mobile banking app allowing retail and business customers to manage accounts, initiate payments, and access banking services on smartphones and tablets.
• Geld wechseln (currency exchange) Foreign currency exchange service for retail and business customers needing to buy or sell foreign currencies.

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration11 records

Partnerships

Eight partnerships are on record, tiered core and flagship.

• Union InvestmentcoreChannel Partner/ Reseller/ DistributorUnion Investment is a key partner for investment products, offering the JuniorDepot for children's savings and various fund-based investment products. The bank promotes Union Investment products including the JuniorDepot with promotional incentives of up to 120 EUR in fund shares.
• TeamBankcoreChannel Partner/ Reseller/ DistributorTeamBank provides the easyCredit instant loan product offered through the bank. The easyCredit allows customers to obtain loans up to 75,000 EUR. The bank offers this product as one of its key credit solutions.
• AllianzcoreChannel Partner/ Reseller/ DistributorAllianz is a major insurance partner, offering insurance products that complement the bank's financial services. The bank facilitates insurance contracts that can be managed through the bank's platform.
• R+V VersicherungcoreChannel Partner/ Reseller/ DistributorR+V Versicherung is an insurance partner within the cooperative financial group, providing insurance products to bank customers through the partnership.
• VKB – Versicherungskammer BayerncoreChannel Partner/ Reseller/ DistributorVersicherungskammer Bayern (VKB) is an insurance partner offering insurance products through the bank's distribution channels.
• Genossenschaftliche FinanzGruppe Volksbanken RaiffeisenbankenflagshipStrategic or Co-development PartnerThe bank is a member of the Genossenschaftliche FinanzGruppe Volksbanken Raiffeisenbanken, one of Germany's largest banking and financial services groups. This umbrella organization provides IT infrastructure, product development, risk management, and marketing support, while member banks maintain local autonomy.
• VR PaymentcoreTechnology or IntegrationVR Payment provides payment infrastructure including card terminals (Kartenterminals) for merchants, both stationary and mobile solutions for business customers.
• DZ BANKcoreChannel Partner/ Reseller/ DistributorDZ BANK serves as the central institution for the cooperative banking group, providing corporate banking services and credit card products (Mastercard, Visa) distributed through member banks.

Scale indicators1 record

Recent moves5 records

Expansion highlights4 records

Emerging players

• N26 Bank GmbH: Germany-based digital bank (neobank) targeting retail and SMB customers with mobile-first accounts, payments, and credit; represents the digitally-led competitive pressure on traditional branch-based cooperative banks.

Direct peers

• Raiffeisenbank München-Süd eG: Another Bavarian Raiffeisenbank under the Genossenschaftliche FinanzGruppe, serving a similar suburban/rural customer base around Munich with the same cooperative banking model and shared IT infrastructure.
• Volksbank Raiffeisenbank Bayern Mitte eG: Bavarian cooperative bank (VR-Bank) within the same Genossenschaftliche FinanzGruppe, providing retail, business, and private banking services through branches and digital channels in a comparable regional setting.
• Kreissparkasse Augsburg: Regional savings institution (Sparkasse) serving the Augsburg district with a similar retail and SMB banking offering. Comparable customer base, geographic footprint, and product breadth despite being part of the Sparkassen rather than Volksbanken/Raiffeisenbanken cooperative group.
• Volksbank Augsburg eG: A regional cooperative bank (Volksbank) operating in the same Augsburg area of Bavaria under the same Genossenschaftliche FinanzGruppe umbrella. Comparable in product portfolio, target segments (retail and SMB), and hybrid branch/digital distribution.

Broad incumbents

• DZ BANK AG: Central institution of the Genossenschaftliche FinanzGruppe; provides corporate banking, capital markets, and credit card products (Mastercard, Visa) distributed through member banks including this Raiffeisenbank.
• ING-DiBa: One of Germany's largest direct banks offering retail banking, deposits, consumer credit, and investment products; competes for the same everyday banking and consumer credit use cases as small regional cooperative banks.

Regional players

• Stadtsparkasse München: Large municipal savings bank serving greater Munich with retail and SMB banking products analogous to those offered by Raiffeisenbank Augsburger Land West, but in an urban rather than rural-adjacent market.
• BayWa AG Bank: Bavarian-rooted financial services provider attached to a major agricultural/trading group; comparable regional Bavarian focus and a similar mix of retail, agricultural, and SMB banking customers.

Others

• TeamBank AG (easyCredit): Partner provider of the easyCredit consumer loan (up to 75,000 EUR) that Raiffeisenbank Augsburger Land West distributes to its customers; representative of how small cooperative banks extend product shelf via group partners.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat3 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/raiffeisenbank-augsburger-land-west

Compliance2 records

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 Augsburger Land West