Raiffeisenbank Wittelsbacher Land eG

What Raiffeisenbank Wittelsbacher Land eG does

Raiffeisenbank Wittelsbacher Land eG is a cooperative bank (eingetragene Genossenschaft) established in 1898 and headquartered in Mering, Bavaria, Germany. The bank operates as a member-owned institution within the Wittelsbacher Land region and is affiliated with the wider Genossenschaftliche FinanzGruppe (Raiffeisen/Volksbanken cooperative banking network). It serves both private customers (Privatkunden) and small-to-medium business customers (Firmenkunden) through a hybrid distribution model that pairs physical branch offices (Geschäftsstellen) with shared cooperative digital channels including the VR-OnlineBanking web portal and the VR Banking App.

The product portfolio is the standard cooperative banking catalogue: Girokonto and Geschäftskonto current accounts, Mastercard-branded debit and credit cards, consumer credit distributed via TeamBank's easyCredit platform, business loans of up to 100,000 EUR, online brokerage, safe deposit box and gold/silver purchase services, and international payment execution. Supporting technology infrastructure — VR-OnlineBanking, VR Banking App, electronic postbox (Elektronisches Postfach), BankingManager multi-bank software, digital girocard, Wero payment functions, and Apple Pay integration — is delivered through network-level partnerships rather than proprietary development. Third-party financial products from Allianz, R+V Versicherung, Union Investment, VKB, GENO Broker, and GENO Energie are distributed through the bank's channels, supplemented by an in-house advisory service for business succession (Unternehmensnachfolge) and a 'Hausbankmodell' (house bank model) customer engagement approach.

The revenue model combines net interest income from loans and deposits, transaction and account fees, commissions from partner product distribution, and digital/card service fees. As a registered cooperative, the bank is owned by its member-customers, has no public listing, no disclosed revenue or financial statements, and operates at a small scale with 19 employees serving a single regional market. Compliance posture includes adherence to BFSG/BFSGV accessibility legislation and WCAG-aligned website standards.

Name

Raiffeisenbank Wittelsbacher Land eG

Legal name

Raiffeisenbank Wittelsbacher Land eG

Website

https://rb-wila.de

Company type

Private

Operating status

Operating

Headcount range

11–50 employees

Short description

Raiffeisenbank Wittelsbacher Land eG is a member-owned cooperative bank founded in 1898 in Mering, Bavaria, serving retail and SME customers in the Wittelsbacher Land region through physical branches and shared cooperative digital banking platforms within the German Raiffeisenbank network.

Ownership category

akta.pro rank

Product category

Retail Banking

NAICS

Credit Unions (52213), Depository Credit Intermediation (5221)

SIC

Savings Institutions, Not Federally Chartered (6036)

akta.pro primary industry

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

Keywords

• Retail banking services
• Cooperative banking
• Consumer lending
• Business banking
• Savings accounts

Headquarters

HQ city

Mering

HQ country

Germany

HQ region

Europe

Offices1 record

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: Core banking revenue from interest margins on loans (Kredite) including consumer loans (easyCredit, Sofortkredit), mortgages (Immobiliar-Verbraucherdarlehen), and business loans (Unternehmerkredit). Also includes interest paid on customer deposits (Bankeinlagen).
2. Transaction and Account Fees: Fees for payment services, account maintenance, transfers (Überweisungsverkehr), direct debits (Lastschrifteinzug), foreign payments (Auslandszahlungsverkehr), and securities transactions (Wertpapiergeschäfte).
3. Commission Income: Commissions from sale of third-party financial products including insurance (Allianz, R+V Versicherung, VKB), investments (Union Investment), and other partner products (GENO Broker, GENO Energie).
4. Banking Services: Revenue from services such as safe deposit boxes (Bankschließfächer), business account services (Geschäftskonto), brokerage services (Online-Brokerage), gold and silver purchases, and company succession planning (Unternehmensnachfolge).
5. Digital and Card Services: Fees and interchange from debit/credit cards (Mastercard, Visa, girocard), digital card services including Apple Pay integration, and secure authentication services.

Go-to-market motion1 record

Distribution channels4 records

Marketing channels4 records

Core offering

Raiffeisenbank Wittelsbacher Land eG is a registered cooperative bank (eingetragene Genossenschaft) headquartered in Mering, Bavaria, providing retail and business banking services including current accounts, savings products, lending, debit and credit cards, online and mobile banking, brokerage, insurance mediation, and payment services. It operates physical branches supplemented by digital channels (VR-OnlineBanking and VR Banking App) and is part of the broader Raiffeisen/Volksbanken cooperative network in Germany.

Product overview

Raiffeisenbank Wittelsbacher Land eG operates as a cooperative bank offering a comprehensive portfolio of banking products and services. For private customers, the core offerings include Girokonto (current account), VR Banking App (mobile banking), debit and credit cards (Mastercard), Online-Brokerage, precious metals purchasing (Gold und Silber), and easyCredit instant credit. For business customers, the portfolio encompasses Geschäftskonto (business account), Unternehmerkredit (up to 100,000 EUR business credit), Auslandszahlungsverkehr (international payments), Direktversicherung (company pension), and Unternehmensnachfolge (succession advisory). Supporting infrastructure includes BankingManager (third-party banking software), VR-OnlineBanking (online banking platform), and various insurance products such as Bankschließfachversicherung. The bank is part of the Genossenschaftliche FinanzGruppe (cooperative financial network), utilizing shared platforms like VR-Banking App and VR-OnlineBanking while maintaining its regional identity.

Differentiator

Problem solved

Functional benefit

Products and services

• Girokonto (Current Account) Standard current/checking account for private customers, supporting day-to-day payments, deposits, withdrawals, card-based transactions, and online/mobile banking access.
• Geschäftskonto (Business Account) Current account tailored for business customers, freelancers, and tradespeople, supporting operational banking, payment transactions, and integration with the bank's business services such as BankingManager and international payments.
• easyCredit (Consumer Loan) Consumer lending product offered to retail customers via the bank's partnership with easyCredit for installment loans.
• Unternehmerkredit (Business Loan) Loan product for SME business customers to finance investments, working capital, and operational needs.
• Auslandszahlungsverkehr (International Payments) Foreign exchange and international payment service enabling business customers to execute cross-border transactions through the bank.
• Debit- und Kreditkarten (Debit and Credit Cards) Card products for retail and business customers including debit cards (including the digital Girocard) and credit cards for in-store, online, and mobile payments.
• Online-Brokerage (Securities Trading) Online brokerage service allowing customers to trade securities, investment funds, and other financial instruments through the bank's digital channels.
• Gold und Silber kaufen (Precious Metals) Service enabling private customers to purchase physical gold and silver for investment/wealth-building purposes through the bank.
• Direktversicherung (Company Pension Insurance)

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature6 records

Partnerships

Eight partnerships are on record, tiered core and minor.

• AllianzcoreChannel Partner/ Reseller/ DistributorInsurance partnership allowing the bank to offer Allianz insurance products to its customer base. Customers can access insurance contract cancellation services through the bank's portal.
• GENO BrokercoreChannel Partner/ Reseller/ DistributorBrokerage services partnership enabling customers to access securities trading and investment brokerage services. Contract cancellation services available through the bank's portal.
• GENO EnergieminorChannel Partner/ Reseller/ DistributorEnergy services partnership offering customers access to energy products. Contract cancellation services available through the bank's portal.
• R+V VersicherungcoreChannel Partner/ Reseller/ DistributorInsurance partnership offering R+V insurance products to bank customers. Contract cancellation services available through the bank's portal.
• TeamBank (easyCredit)coreChannel Partner/ Reseller/ DistributorConsumer lending partnership offering TeamBank's easyCredit instant loan product through the bank's platform. Featured as a popular product for private customers with financial flexibility.
• Union InvestmentcoreChannel Partner/ Reseller/ DistributorInvestment management partnership enabling customers to access Union Investment fund products and investment services. Contract cancellation services available through the bank's portal.
• VKB – Versicherungskammer BayerncoreChannel Partner/ Reseller/ DistributorRegional insurance partnership offering Versicherungskammer Bayern insurance products to bank customers. Contract cancellation services available through the bank's portal.
• MastercardcoreTechnology or IntegrationPayment card technology partnership providing Mastercard debit and credit card services to customers. Includes virtual card support for Apple Pay and secure authentication services.

Recent moves3 records

Expansion highlights4 records

Emerging players

• GLS Bank eG: German cooperative bank focused on sustainable/ethical banking. Competes with all cooperative banks, including Raiffeisenbank Wittelsbacher Land, for member-owned retail banking and transparent impact-lending customers, particularly among younger and values-driven segments.
• N26 Bank GmbH: Berlin-based German neobank offering a fully digital retail current account and consumer banking experience. An emerging digital-first competitor that competes with the bank for younger, mobile-first retail customers, particularly for routine transactional banking where local branch presence is less valued.
• ING Deutschland: Large German direct/digital bank with a strong retail current account and consumer lending franchise. An emerging digital competitor that competes with the bank for digitally active retail customers and small-business banking through a primarily online channel, exerting pricing pressure on routine banking products.

Broad incumbents

• DZ Bank AG: Central institution of the German cooperative banking network (Genossenschaftliche FinanzGruppe), of which Raiffeisenbank Wittelsbacher Land is a member. Provides wholesale banking, liquidity, and platform services to the network, and a broad incumbent whose retail/commercial banking arm overlaps with the bank's offerings.
• Deutsche Bank AG: Germany's largest universal bank, with full retail, wealth, and corporate banking capabilities. Broad incumbent that competes with the bank for higher-end retail and SME customers in Bavaria whose financial needs exceed the bank's 100,000 EUR business credit cap.
• Commerzbank AG: One of Germany's largest private commercial banks, with a strong Mittelstand and retail franchise. A broad incumbent that competes with the bank for business lending, current accounts, and payment services across Bavaria, especially as SME customers outgrow smaller cooperative banks.

Regional players

• Stadtsparkasse München: Large Bavarian Sparkasse serving the wider Munich/Augsburg catchment area. A regional peer that competes with the bank for larger Mittelstand clients and more sophisticated advisory services, and that benchmark for what larger regional cooperative-style banks can offer.
• Sparkasse Mering: Sparkasse is the German public-sector savings bank network. The local Sparkasse in the Mering/Augsburg area competes directly with Raiffeisenbank Wittelsbacher Land for retail and SME deposits, loans, and current accounts, operating under a different legal structure (communal/public-law) but with comparable product offerings and regional footprint.

Direct peers

• Volksbank Bayern Mitte eG: Volksbank Bayern Mitte eG is a German cooperative bank (eingetragene Genossenschaft) operating in the same Bavarian cooperative banking network, serving retail and business customers with a similar deposit, lending, and advisory product mix. Direct bilateral peer given shared cooperative structure, regional geographic overlap, and use of the same VR banking platform.
• Raiffeisenbank Augsburger Land West eG: Adjacent Raiffeisenbank cooperative in the Augsburg/Wittelsbacher Land area of Bavaria, offering the same cooperative banking products to retail and SME customers. Direct peer given shared cooperative model, geographic proximity, and identical VR-OnlineBanking/VR Banking App technology stack.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks5 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/raiffeisenbank-wittelsbacher-land

Compliance3 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 →

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