Raiffeisenbank im Nürnberger Land eG

What Raiffeisenbank im Nürnberger Land eG does

Raiffeisenbank im Nürnberger Land eG is a German cooperative bank (eingetragene Genossenschaft) headquartered in Feucht and operating a regional branch network across the Nürnberger Land district in Bavaria. The bank serves retail customers (Privatkunden) and small/mid-sized business customers (Firmenkunden) with a full-service product suite including current accounts (Girokonto, Geschäftskonto), savings products (Sparbrief, Festgeld, WachstumsGeld), consumer and business credit (easyCredit, Unternehmerkredit up to 100,000€), investment products (VermögenPlus, Online-Brokerage), insurance distribution, and succession planning advisory. It is a member of the Genossenschaftliche FinanzGruppe Volksbanken Raiffeisenbanken cooperative network, which provides shared technology infrastructure (VR Banking App), central banking services (DZ BANK), and partner-distributed products from Allianz, R+V, Union Investment, TeamBank, and VKB.

The bank's technology stack centers on the shared VR Banking App for iOS and Android, the Online-Banking Portal, the Wero European instant payment service, Mastercard and Visa card products with Apple Pay integration, and the Empfängerüberprüfung (IBAN-name matching) recipient verification service. No proprietary AI/ML capabilities or developer-facing APIs are disclosed. The digital layer is complemented by physical branches for in-person advisory services, including scheduled appointments (Terminvereinbarung), and capital market webinars delivered through DZ BANK.

Revenue is generated through a multi-stream model: net interest income from lending and deposit spreads, recurring account and transaction fees, commissions from investment product distribution (Union Investment funds, ETFs via VermögenPlus), insurance distribution commissions (Allianz, R+V, VKB), and transaction fees on digital payments. The cooperative governance structure includes a three-member Vorstand (Swen Heckel, Bernd Strauß, Volker Matschke), a Vertreterversammlung (representative assembly), and a membership base that owns the institution. The bank differentiates through community reinvestment, notably the Förderpreis program which distributed 48,250€ to 68 local associations in 2025 and allocated 40,000€ for 2026.

Name

Raiffeisenbank im Nürnberger Land eG

Legal name

Raiffeisenbank im Nürnberger Land eG

Website

https://rbnl.de

Company type

Private

Operating status

Operating

Headcount range

11–50 employees

Short description

Raiffeisenbank im Nürnberger Land eG is a German cooperative bank headquartered in Feucht that serves retail and small/mid-sized business customers in the Nürnberger Land district of Bavaria with a full-service product suite delivered through a hybrid branch-and-digital channel model.

Ownership category

akta.pro rank

Headquarters

HQ city

Feucht

HQ country

Germany

HQ region

Europe

Offices2 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Interest Income: Traditional banking revenue from interest rate spreads on loans, mortgages, and savings products
2. Account and Transaction Fees: Monthly account fees, transaction charges, and debit card services
3. Investment Products Distribution: Commission revenue from distribution of investment funds, ETFs, and brokerage services including VermögenPlus managed funds and online brokerage
4. Insurance Products Distribution: Commission revenue from partnership insurance products including Allianz, R+V, and VKB offerings
5. Credit Products: Revenue from consumer loans, business credit (Unternehmerkredit up to 100,000€), and real estate financing
6. Digital Payment Services: Payment processing revenue through Mastercard, Visa, and Wero services

Pricing tiers

Go-to-market motion1 record

Distribution channels5 records

Marketing channels12 records

Core offering

Raiffeisenbank im Nürnberger Land eG is a regional cooperative bank (eingetragene Genossenschaft) headquartered in Feucht, Germany, offering retail and business banking products including checking accounts, fixed-term savings, investment funds/ETFs, consumer and business credit, online brokerage, and insurance distribution. The bank serves customers in the Nürnberger Land district through physical branches, online banking, and the VR Banking App, distributing third-party products from Allianz, R+V, Union Investment, and TeamBank as part of the Genossenschaftliche FinanzGruppe Volksbanken Raiffeisenbanken network.

Product overview

Raiffeisenbank im Nürnberger Land eG is a regional cooperative bank (Genossenschaftsbank) serving retail and business customers in the Nürnberger Land area. The product portfolio centers on the VR Banking App as the primary digital platform, offering banking and payment functionality including the Wero instant payment feature. Retail banking includes Girokonto (checking), Sparbrief and Festgeld (savings deposits), VermögenPlus (investment funds and ETFs), easyCredit consumer lending, Online-Brokerage, and income protection insurance. Business services encompass Geschäftskonto, Unternehmerkredit up to 100,000 euros, international payment services, company pension schemes (Direktversicherung), and business succession advisory. The bank distributes third-party insurance products through Allianz (PrivateFinancePolice) and R+V Versicherung, investment funds through Union Investment, and consumer credit through TeamBank (easyCredit). The cooperative structure offers membership with governance participation rights. A regional Förderpreis grant program supports volunteer community projects with annual awards.

Differentiator

Problem solved

Functional benefit

Brands

• VermögenPlus: Investment product offering actively managed investment funds, index funds, and ETFs
• Wero
• VR Banking App
• Raibablog

Products and services

• Girokonto Current/checking account available in multiple models, providing account holders control over personal finances with access via online banking, the VR Banking App, and physical branches. Targeted at retail customers.
• Sparbrief Fixed-term savings bond offering 3% p.a. interest for a 30-month term, providing guaranteed returns without interest rate fluctuations. Targeted at retail savers.
• Festgeld Time deposit savings product with fixed maturity periods, protecting investors from interest rate volatility during the investment duration. Targeted at retail savers.
• VermögenPlus Investment service enabling customers to invest in actively managed funds, index funds, and ETFs through the bank's advisory platform. Targeted at retail investors.
• easyCredit Instant consumer credit offered in partnership with TeamBank, providing flexible financing with real-time decision-making and online loan calculation tools. Targeted at retail consumers.
• Online-Brokerage Online securities trading platform operated in partnership with DZ BANK, enabling customers to trade stocks and securities quickly and simply. Targeted at retail investors.
• WachstumsGeld Growth savings product with tiered interest rates (Staffelzinsen) that rewards larger or longer-term deposits with progressively higher rates. Targeted at retail savers.
• Allianz PrivateFinancePolice Insurance wrapper product from Allianz providing customers with global access to alternative investment return opportunities through an insurance policy structure. Targeted at retail investors seeking alternatives.
• Einkommensschutz Income protection insurance distributed in partnership with R+V (CashProtect) that maintains the customer's standard of living in case of earnings loss due to illness or accident. Targeted at retail consumers and employees.
• Geschäftskonto Business checking account for commercial customers, enabling simple and efficient processing of business payment transactions. Targeted at small and medium-sized businesses and self-employed professionals.
• Unternehmerkredit Business loan of up to €100,000 for new plans or postponed projects, providing growth financing for small and medium-sized enterprises based on individual assessment. Targeted at small and medium-sized businesses.
• Auslandszahlungsverkehr International payment service enabling secure and fast execution of cross-border payment orders for business customers engaged in foreign trade. Targeted at business customers.
• Direktversicherung Company pension scheme (betriebliche Altersvorsorge) offered in partnership with R+V, enabling employers to provide retirement benefits to employees through salary conversion. Targeted at business owners/employers.
• Unternehmensnachfolge Succession planning advisory service for business owners addressing financial and wealth-related questions when transferring business ownership to the next generation or third parties. Targeted at business owners approaching succession.
• Wero European instant payment service integrated into the VR Banking App, enabling second-fast money transfers, bill splitting, and online payments using a phone number or email without third-party intermediaries. Targeted at retail account holders.
• Empfängerüberprüfung Recipient verification service that matches IBAN with the account holder name to increase payment security and reduce misdirected transfers for online banking users. Targeted at retail account holders.
• Mitgliedschaft Cooperative membership program enabling customers to purchase cooperative shares, participate in bank governance through the Vertreterversammlung, and receive profit-sharing benefits (Mitwissen, mitbestimmen, mitverdienen). Targeted at retail and business customers.

Quantifiable outcome

• 48,250€ distributed to 68 local associations through Förderpreis 2025
• +2 more outcomes

Named customers2 records

Segments3 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration9 records

Feature4 records

Partnerships

Ten partnerships are on record, tiered minor and core.

• AllianzminorGTM or Marketing PartnerInsurance partner offering PrivateFinancePolice product enabling global access to alternative investment returns. Customers can process policy cancellations through the bank's partner portal.
• R+V VersicherungminorGTM or Marketing PartnerInsurance partner offering Einkommensschutz (income protection) product through R+V-CashProtect. Policy cancellations handled through R+V's online portal.
• TeamBank (easyCredit)minorGTM or Marketing PartnerConsumer lending partner providing easyCredit instant credit with financial flexibility. Loan calculations and applications processed through TeamBank.
• Union InvestmentminorGTM or Marketing PartnerInvestment partner for fund-based savings and investment products. Withdrawal requests processed through Union Investment's platform.
• VKB – Versicherungskammer BayernminorGTM or Marketing PartnerRegional insurance partner (Versicherungskammer Bayern) for insurance product distribution. Withdrawal requests handled through VKB's portal.
• DZ BANKcoreStrategic or Co-development PartnerCentral institution of the cooperative banking network providing capital market expertise, webinars on market developments, and access to investment products. Key strategic partner for wholesale banking services.
• MastercardcoreTechnology or IntegrationPayment technology partner enabling virtual and physical debit/credit cards (Visa and Mastercard), Apple Pay integration, and the Reisekampagne (travel campaign) promotion.
• Volksbanken RaiffeisenbankencoreStrategic or Co-development PartnerThe cooperative banking network (Genossenschaftliche FinanzGruppe) providing shared product platforms, technology infrastructure (VR Banking App, BankingApp), and risk-sharing across thousands of member banks.
• WerocoreTechnology or IntegrationEuropean instant payment initiative developed by the Deutsche Kreditwirtschaft (German banking industry) enabling phone number/email-based money transfers. Integrated into VR Banking App.
• ubiMasterminorGTM or Marketing PartnerEducational partnership providing parents with webinars on supporting students through exam periods.

Scale indicators3 records

Recent moves2 records

Expansion highlights4 records

Direct peers

• ING-DiBa AG: ING Germany is Germany's largest direct bank, competing for the same retail deposit, Girokonto, and consumer lending customers with a strong digital proposition. While national rather than regional, it competes head-to-head for the retail banking customers Raiffeisenbank targets.
• Sparkasse Nürnberg: Sparkasse Nürnberg is the dominant regional savings bank in the same Nürnberg metropolitan area, offering retail and SME accounts, lending, and digital banking to overlapping customers. It is the most direct local competitor to Raiffeisenbank im Nürnberger Land eG.
• DKB AG (Deutsche Kreditbank): DKB is a major German direct bank with a strong retail current-account and digital-banking offering. It competes for the same retail and SME banking customers as Raiffeisenbank with an online-first model and comparable product breadth (accounts, cards, brokerage, investment).
• Volksbank Raiffeisenbank Bayern Mitte eG: Volksbank Raiffeisenbank Bayern Mitte is a peer cooperative bank within the same Genossenschaftliche FinanzGruppe Volksbanken Raiffeisenbanken network, serving retail and business customers across a contiguous Bavarian region with a comparable product set (Girokonto, lending, VR Banking App, Wero, partner-distributed insurance and investment products).
• PSD Bank Nürnberg eG: PSD Bank Nürnberg is a small regional cooperative bank in the same Nürnberg geography, targeting similar retail and professional-customer segments with current accounts, savings, and consumer credit. Highly comparable in scale, cooperative model, and regional positioning.
• Sparda-Bank Nürnberg eG: Sparda-Bank Nürnberg is a regional cooperative bank competing directly for retail customers in the same Bavarian geography with current accounts, consumer credit, and partner-distributed insurance and investment products. Comparable in size, cooperative structure, and target customer base.

Broad incumbents

• Deutsche Bank AG: Deutsche Bank is Germany's largest universal bank, with retail (Deutsche Bank / Postbank), SME, and corporate divisions serving the same Nürnberger Land customer segments. Comparable in product scope but vastly larger and not cooperative in structure.
• Commerzbank AG: Commerzbank is one of Germany's two large private-sector incumbent banks, offering retail, SME, and corporate banking across the country including the Nürnberger Land region. It overlaps with Raiffeisenbank's retail and SME product set but as part of a much broader portfolio.

Others

• KfW Bankengruppe: KfW is Germany's state-owned development bank that provides SME and infrastructure financing through partner banks including the Volksbanken Raiffeisenbanken network. It is not a direct competitor but a key counterparty and program partner that channels financing through Raiffeisenbank's network.

Regional players

• UniCredit Bank GmbH (HypoVereinsbank): HypoVereinsbank / UniCredit is headquartered in Munich and has strong retail and SME presence across Bavaria, including the Nürnberger Land region. Comparable in geography and target customer base, but operates as a large for-profit bank rather than a cooperative mutual.

Market position

Strengths5 records

Weaknesses2 records

Competitive moat4 records

Key risks7 records

Key highlights7 records

Customer concentration

• Xde.wikipedia.org/wiki/Raiffeisenbank_im_N%C3%BCrnberger_Land
• YouTubeyoutube.com/channel/UC7bHGAEvIwWu__bZABzXEhA
• Facebookfacebook.com/rbnbgland
• LinkedInlinkedin.com/company/rbnl
• Instagraminstagram.com/rb_im_nland

Compliance2 records

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 im Nürnberger Land eG