Raiffeisenbank Oberpfalz Süd eG

What Raiffeisenbank Oberpfalz Süd eG does

Raiffeisenbank Oberpfalz Süd eG is a registered German cooperative bank (eingetragene Genossenschaft, eG) headquartered in Donaustauf, Bavaria, operating as a small regional retail bank in the Oberpfalz region. It serves private customers (Privatkunden) as the primary segment, alongside business customers (Firmenkunden) and wealth management clients (Vermögensmanagement), offering current accounts (GiroDigital, GiroKlassik, GiroInklusiv), a full suite of savings and term-deposit products (Tagesgeld, Festgeld, Wachstumssparen, Sparbrief, KündigungsGeld, Sparkonto, Gewinnsparen), securities and fund services (Wertpapierdepot, meinDepot, UnionDepot Komfort, Fondssparplan, MeinInvest, VermögenPlus, PrivatFonds ESG), mortgage finance (Baufinanzierung), consumer credit (Dispokredit, WunschKredit via TeamBank/easyCredit), and insurance distribution (Allianz, R+V, VKB private liability). The platform backbone is the OnlineBanking portal and VR Banking App, secured by TÜV Saarland-certified infrastructure, SecureGo plus mobile approvals, Smart-TAN plus hardware TAN, and IBAN/name verification (Empfängerüberprüfung) for EU transfers; payments span Mastercard, Apple Pay, Google Pay, giropay and the newly activated WERO scheme.

The bank operates a hybrid distribution model combining three regional branches (Donaustauf, Obertraubling, and Burgweinting, the last of which is temporarily closed for renovation until 30 September 2026) with 24/7 digital self-service channels. It is part of the Genossenschaftliche FinanzGruppe Volksbanken Raiffeisenbanken coordinated by DZ BANK, which provides back-office and shared infrastructure and enables distribution of partner products from Union Investment, R+V Versicherung, Bausparkasse Schwäbisch Hall, DZ HYP, Münchener Hypothekenbank, TeamBank (easyCredit), DZ PRIVATBANK, Reisebank, and Versicherungskammer Bayern. Pricing is based on monthly account fees (GiroDigital at EUR 6.90/month) and net interest margin on deposits and Baufinanzierung, supplemented by distribution and transaction fees on partner products, insurance placements, securities trading, and consumer credit origination. Ownership is held by member-customers (Mitglieder) through cooperative shares rather than external shareholders.

Name

Raiffeisenbank Oberpfalz Süd eG

Legal name

Raiffeisenbank Oberpfalz Süd eG

Website

https://rb-os.de

Company type

Private

Operating status

Operating

Headcount range

11–50 employees

Short description

Raiffeisenbank Oberpfalz Süd eG is a German cooperative bank (eG) in Donaustauf, Bavaria, serving private, business, and wealth management customers in the Oberpfalz region with accounts, savings, securities, Baufinanzierung, and insurance distributed via regional branches and the OnlineBanking/VR Banking App platform.

Ownership category

akta.pro rank

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Pricing tiers

Distribution channels4 records

Marketing channels5 records

Core offering

Raiffeisenbank Oberpfalz Süd eG is a regional cooperative bank in Bavaria offering current accounts, savings products (Tagesgeld, Festgeld, Sparbrief, Wachstumssparen, Gewinnsparen), securities and fund investments (Wertpapierdepot, Fondssparplan, MeinInvest, VermögenPlus), consumer loans and overdrafts, real estate financing (Baufinanzierung), and insurance brokerage (Private Haftpflichtversicherung, R+V) for private customers, businesses, and wealth-management clients through branches and digital channels.

Product overview

Raiffeisenbank Oberpfalz Süd eG is a German cooperative bank offering a comprehensive range of banking products for private and business customers through its OnlineBanking platform and VR Banking App. The core product portfolio spans current accounts (GiroDigital, GiroKlassik, GiroInklusiv), savings products (Tagesgeld, Festgeld, Wachstumssparen, Sparbrief, KündigungsGeld, Sparkonto, Gewinnsparen), investment and securities services (Wertpapierdepot, meinDepot, UnionDepot Komfort, Fondssparplan, MeinInvest, VermögenPlus, PrivatFonds ESG), real estate financing (Baufinanzierung), and insurance (Private Haftpflichtversicherung via Versicherungskammer Bayern). The bank also offers credit products including Dispokredit and WunschKredit. Security is provided through SecureGo plus app and Smart-TAN plus device authentication. Digital payment options include Wero, Apple Pay, Google Pay, Mastercard, and giropay.

Differentiator

Problem solved

Functional benefit

Products and services

• GiroDigital

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration5 records

Feature5 records

Partnerships

Eleven partnerships are on record, tiered core and minor.

• Union InvestmentcoreChannel Partner/ Reseller/ DistributorUnion Investment is one of Germany's leading fund companies. The bank offers Union Investment products including PrivatFonds ESG sustainable funds, UnionDepot Komfort, and access to Union Investment's fund range. Over 5.8 million customers trust Union Investment.
• R+V VersicherungcoreChannel Partner/ Reseller/ DistributorR+V is one of Germany's largest insurers with over 9 million customers, more than 18,400 employees, and approximately 26 million insured risks. The bank offers R+V products including R+V-AnlageKombi Safe+Smart investment products.
• DZ BANKcoreOthersDZ BANK is the central bank and top institute of the Cooperative Financial Group (Genossenschaftliche FinanzGruppe Volksbanken Raiffeisenbanken) and serves as the commercial bank and parent company for DZ BANK Group companies.
• ReisebankminorOthersReisebank AG complements the Cooperative Financial Group with financial services for travelers, focusing on foreign exchange (Sortengeschäft), precious metals investments, and international cash transfers.
• AllianzminorChannel Partner/ Reseller/ DistributorAllianz insurance products are available through the bank's partnership, allowing customers to purchase insurance and manage related contracts.
• TeamBank (easyCredit)minorChannel Partner/ Reseller/ DistributorTeamBank consumer credit product easyCredit is offered through the bank, enabling installment loans and credit facilities.
• Bausparkasse Schwäbisch HallminorChannel Partner/ Reseller/ DistributorBuilding society savings products from Schwäbisch Hall are available through the bank's partner customer portals, supporting home savings and construction financing.
• Versicherungskammer Bayern (VKB)coreChannel Partner/ Reseller/ DistributorVKB insurance products including private liability insurance (Privathaftpflichtversicherung) are offered, providing comprehensive insurance coverage for customers.
• DZ PRIVATBANKminorOthersDZ PRIVATBANK private banking services are accessible through customer portals for wealth management and specialized banking services.
• DZ HYPminorChannel Partner/ Reseller/ DistributorDZ HYP mortgage bank services are accessible through customer portals for real estate financing and mortgage products.
• Münchener HypothekenbankminorChannel Partner/ Reseller/ DistributorMünchener Hypothekenbank mortgage services are accessible through customer portals for property financing needs.

Recent moves8 records

Expansion highlights5 records

Broad incumbents

• DZ BANK AG: Central institution of the Genossenschaftliche FinanzGruppe and the bank's effective parent/partner; comparable cooperative banking activities at a much larger scale.
• DKB (Deutsche Kreditbank AG): Large digital-first German bank offering retail accounts, brokerage, and consumer lending that competes for the same digitally inclined private customers.
• ING-DiBa: Major German direct/digital bank competing for the same retail deposits, brokerage, and consumer credit customers via a low-cost app-first model.
• HypoVereinsbank (UniCredit Bank GmbH): Large German universal bank with retail branches in Bavaria offering deposits, lending, wealth management, and digital banking that compete with the subject bank's full-service positioning.
• Volksbank eG Gera · Jena · Rudolstadt: Larger Volksbank cooperative bank outside Bavaria; comparable member-owned cooperative banking model with broader geographic reach and similar product partnerships.

Emerging players

• N26 Bank GmbH: Berlin-based German neobank providing mobile-first current accounts and payments; competes for younger retail customers in the same Oberpfalz/Bavarian market.

Direct peers

• Sparda-Bank München: Munich-based cooperative-style retail bank offering giro accounts, savings, and investment products to similar private customer segments in southern Bavaria.
• Sparkasse Regensburg: Regional public-sector savings bank serving the Regensburg/Oberpfalz area with comparable deposit, lending, and advisory products, competing for the same retail and SME customers in the bank's footprint.
• Volksbank Raiffeisenbank Bayern Mitte eG: Another Volksbanken Raiffeisenbanken cooperative bank in Bavaria with the same member-owned structure, BVR deposit protection, partner product shelf, and regional focus on retail/SME banking.
• Kreissparkasse Kelheim: County-level savings institution operating in adjacent Lower Bavaria territory with a similar branch-based retail banking model and product range.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights5 records

Customer concentration

• LinkedInlinkedin.com/company/raiffeisenbank-oberpfalz-s%C3%BCd

Compliance1 record

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 Oberpfalz Süd eG