Raiffeisenbank eG

What Raiffeisenbank eG does

Raiffeisenbank eG is a small cooperative bank (eingetragene Genossenschaft) headquartered at Raiffeisenstr. 16, Rannungen, Bavaria, Germany, operating under the Genossenschaftliche FinanzGruppe Volksbanken Raiffeisenbanken network. The bank serves private customers, small and medium-sized enterprises, and local clubs and community organizations in the Schweinfurt region of Lower Franconia, including Rannungen, Maßbach, Pfersdorf, Haard, Nüdlingen, and Rottershausen. Its core product portfolio comprises tiered current accounts (VR-Prima Giro at €0/month, VR-Privat Online at €2.00/month, VR-Privat at €3.00/month, VR-Privat Premium at €16.95/month), the GoldCard credit card with travel insurance, payment services, regional commercial banking, and partner-distributed insurance, investment, building society, and consumer credit products sourced from Allianz, R+V, VKB, Union Investment, Schwäbisch Hall, TeamBank (easyCredit), and SOLIT.

The bank's operating technology is conventional: standard online banking portal, the group-wide VR Banking App, and Sm@rt-TAN optic / Smart-TAN security procedures (with Sm@rt-TAN optic being decommissioned by June 30, 2026 for regulatory compliance). Distribution combines a small branch network, customer service center (KundenServiceCenter, phone 0971 7227 0), self-service terminals, and digital channels. The bank reports only 6 employees and executes a community-driven regional model marked by local sponsorships (€27,400 distributed via VR-GewinnSparen in 2025, plus individual donations to schools, clubs, and forest-afforestation projects). Leadership comprises two Vorstand members (Jürgen Wagenpfahl and Michael Hein) and a branch manager in Maßbach (David Kiesel, who succeeded Ursula Blankenburg-Kraus in 2025). There is no publicly disclosed revenue, and the bank is not publicly traded, VC-backed, or part of M&A activity.

Name

Raiffeisenbank eG

Legal name

Raiffeisenbank eG

Website

https://rb-mn.de

Company type

Private

Operating status

Operating

Headcount range

1–10 employees

Short description

Raiffeisenbank eG is a small Bavarian cooperative bank in the Genossenschaftliche FinanzGruppe Volksbanken Raiffeisenbanken network, serving retail and SME customers in the Schweinfurt region with tiered current accounts, credit cards, and partner-distributed insurance and investment products.

Ownership category

akta.pro rank

Headquarters

HQ city

Rannungen

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. Banking Services: Traditional cooperative banking revenue streams including interest income from lending, deposit margins, account maintenance fees, transaction fees, card services, and insurance/product commission revenue through partnership products.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels3 records

Core offering

Raiffeisenbank eG is a regional cooperative bank offering current account packages (VR-Prima Giro, VR-Privat Online, VR-Privat, VR-Privat Premium), payment cards including the GoldCard credit card with travel insurance, OnlineBanking portal and VR Banking App, plus partner-distributed insurance and investment products to private customers, small/medium businesses, and local organizations in the Schweinfurt/Lower Franconia region.

Product overview

Raiffeisenbank eG operates as a cooperative bank offering a portfolio of retail and commercial banking products organized around current accounts (Girokonto), payment services, financing, insurance, and investment solutions. The core product line centers on current account packages: VR-Privat Premium (€16.95/month comprehensive package), VR-Privat (€3.00/month customizable), VR-Privat Online (€2.00/month digital-only), and VR-Prima Giro (free for youth). Payment capabilities include the GoldCard credit card with travel insurance, mobile payment options, and physical and digital girocards. The bank also provides commercial banking services, investment products through SOLIT, insurance partnerships (Allianz, R+V), and a digital banking platform accessible via OnlineBanking portal. The offering is characterized by a combination of physical branch presence (KundenServiceCenter, branch network) and digital banking services.

Differentiator

Problem solved

Functional benefit

Brands

• VR-Privat Online: Digital banking account product for fully digital banking services
• VR-Privat Premium
• VR-Prima Giro
• GoldCard
• SOLIT Wertekauf
• VR-GewinnSparen

Products and services

• GoldCard Credit card offering a comprehensive insurance package and travel bonus for vacation funds, marketed as a fair-conditions premium card for private customers.
• VR-Privat Online Digital-only current account for customers who prefer online banking, priced at €2.00 per month with full digital banking capabilities.
• VR-Privat Premium Premium full-service current account package with comprehensive benefits at €16.95 per month.
• VR-Privat Modular current account letting customers choose which services they need, at €3.00 per month.
• VR-Prima Giro Free entry-level current account for young people transitioning to financial independence.
• OnlineBanking Digital banking platform for account management, opening new accounts, adjusting settings such as tax exemptions, and locating nearby ATMs.
• KundenServiceCenter Telephone-based customer service center providing first-line support to bank customers.
• SOLIT Wertekauf Investment offering providing a diverse selection of investment products, including precious metals, distributed through partner SOLIT.

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Nine partnerships are on record, tiered core and supporting.

• AllianzcoreChannel Partner/ Reseller/ DistributorInsurance partnership providing Allianz insurance products through the bank. Customers can purchase various Allianz insurance policies including health, property, life, and liability insurance. The bank facilitates insurance sales and provides customer access to Allianz's product portfolio.
• R+V VersicherungcoreChannel Partner/ Reseller/ DistributorPartnership with R+V Versicherung for insurance products. R+V is a subsidiary of the cooperative financial network. Provides comprehensive insurance solutions to bank customers.
• TeamBank (easyCredit)supportingChannel Partner/ Reseller/ DistributorProvides consumer credit and financing products through easyCredit platform. Allows customers to access installment loans and credit facilities.
• Union InvestmentsupportingChannel Partner/ Reseller/ DistributorInvestment partner offering fund-based investments, retirement savings plans (Riester-Rente), and asset management products through the bank.
• VKB – Versicherungskammer BayernsupportingChannel Partner/ Reseller/ DistributorRegional insurance partner providing public insurance products including property, accident, and liability insurance to Bavarian customers.
• DZ BANKcoreStrategic or Co-development PartnerDZ BANK is the central institution for the cooperative banking group (Genossenschaftliche FinanzGruppe). Provides capital market expertise, webinars on market developments, and supports the network's financial products and services.
• Schwäbisch HallsupportingChannel Partner/ Reseller/ DistributorBausparkasse (building society) partner offering home savings and construction loan products through the bank's distribution channels.
• SOLITsupportingChannel Partner/ Reseller/ DistributorPartner for alternative investments and precious metals (SOLIT Wertekauf). Provides customers access to gold and other precious metal investments.
• Genossenschaftliche FinanzGruppe Volksbanken RaiffeisenbankencoreStrategic or Co-development PartnerThe cooperative financial network is the organizational umbrella providing shared services, product platforms, the VR banking apps, processing infrastructure, and mutual support among member banks. This is the core institutional framework within which Raiffeisenbank eG operates.

Scale indicators2 records

Recent moves6 records

Expansion highlights4 records

Market position

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/rb-mn

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 eG