Raiffeisen-Volksbank

What Raiffeisen-Volksbank does

Raiffeisen-Volksbank Tüssling-Unterneukirchen eG is a small registered cooperative bank (eingetragene Genossenschaft) headquartered in the Tüssling-Unterneukirchen area of Bavaria, Germany, operating under the broader German cooperative banking network. The institution serves retail customers (Privatkunden) and small-to-medium-sized businesses (Firmenkunden) through a hybrid model of physical branch locations (Geschäftsstellen) combined with digital self-service channels including the Online-Geschäftsstelle, OnlineBanking portal, and online appointment scheduling.

Its product portfolio is anchored on a standard suite of retail banking products: the VR-Online Giro digital current account at €4.95/month, Baufinanzierung (mortgage financing), easyCredit (instant consumer credit distributed via Teambank), Mastercard-branded debit and credit cards, and savings products (Gewinnsparen). For business customers, it offers Geschäftskonto (business checking), Firmentagesgeld (corporate deposits), Auslandszahlungsverkehr (cross-border payment services), and the Unternehmerkredit facility up to €100,000. Insurance distribution (R+V Versicherung) and Bauspar products (Schwäbisch Hall) provide fee-commission revenue streams. Distribution partnerships with Mastercard, DZ Bank, Schwäbisch Hall, R+V, and easyCredit/Teambank are the primary means through which product breadth is achieved.

The business model combines net interest income from lending with recurring account fees (subscription-style pricing on the digital account), transaction-based fees on payment and card services, and commission income from insurance and building society product distribution. The cooperative (member-owned) ownership structure and adherence to the German cooperative banking framework (Genossenschaftsgesetz, KWG) define its regulatory posture. Technology is limited to industry-standard online banking functionality with no disclosed proprietary systems, AI capabilities, or non-standard integrations; product delivery is achieved primarily through partnerships rather than in-house build-out. Headcount and revenue figures are not disclosed.

Name

Raiffeisen-Volksbank

Legal name

Raiffeisen-Volksbank Tüssling-Unterneukirchen eG

Website

https://rvb-tu.de

Company type

Private

Operating status

Operating

Headcount range

1–10 employees

Short description

Raiffeisen-Volksbank Tüssling-Unterneukirchen eG is a small German cooperative bank in Bavaria serving retail and SMB customers with current accounts, mortgages, consumer and business credit, payment cards, and insurance distribution, operating through local branches and digital self-service channels.

Ownership category

akta.pro rank

Headquarters

HQ city

Tüssling-Unterneukirchen

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, Marketing or Sales, Infrastructure

Revenue model

1. Interest Income: Traditional banking interest income from lending products including mortgages, personal loans (easyCredit), and business credits (Unternehmerkredit up to 100,000 EUR)
2. Account and Transaction Fees: Monthly account fees (e.g., VR-Online Giro at 4.95 EUR/month), transaction fees, and service charges
3. Insurance Products Distribution: Commission revenue from distributing insurance products including private liability (R+V), occupational liability, and direct insurance (Direktversicherung) for company pension schemes
4. Building Society Products: Distribution of Bauspar products (Schwäbisch Hall) earning commission on housing savings and financing products
5. Payment Card Services: Revenue from debit and credit card services through Mastercard partnership

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels4 records

Core offering

Raiffeisen-Volksbank Tüßling-Unterneukirchen eG is a regional cooperative bank that provides retail and business banking services to customers in the Tüßling-Unterneukirchen area of Bavaria. Its offerings span current accounts, mortgages, consumer and business credit, payment cards, insurance distribution, and digital self-service banking, delivered through a combination of physical branches and an online platform.

Product overview

Raiffeisen-Volksbank Tüssling-Unterneukirchen eG operates as a cooperative regional bank offering a unified platform of banking and insurance products for both private and business customers. The private customer portfolio centers on the VR-Online Giro digital account, easyCredit instant lending, Baufinanzierung property financing, Private Haftpflicht-Versicherung liability insurance, and Mastercard debit/credit cards. For business customers, the bank provides Firmentagesgeld deposits, Auslandszahlungsverkehr foreign payments, Geschäftskonto business accounts, Unternehmerkredit facilities up to €100,000, Berufshaftpflicht-Versicherung professional liability, and Direktversicherung corporate pensions. The Online-Geschäftsstelle serves as the central digital channel for product onboarding and service requests across all offerings.

Differentiator

Problem solved

Functional benefit

Products and services

• VR-Online Giro Digital current account for private customers providing full online banking capabilities through the Online-Geschäftsstelle and OnlineBanking, priced at €4.95 per month.
• easyCredit Instant consumer credit (Sofortkredit) offering immediate financial flexibility, allowing customers to calculate and conclude personal loans online.
• Baufinanzierung Real estate financing product providing comprehensive services for property purchases and construction for private customers.
• Private Haftpflicht-Versicherung Private liability insurance from R+V Versicherung protecting customers against costs arising from accidents or mishaps.
• Debit- und Kreditkarten Debit and credit card services powered by Mastercard, providing card payment capabilities for customers.
• Online-Geschäftsstelle Digital self-service platform enabling customers to open products and submit service requests online without visiting a branch, available 24/7.
• Firmentagesgeld Business term deposit account offering secure investment options for corporate customers.
• Auslandszahlungsverkehr International payment services enabling safe and fast processing of cross-border payment orders for business customers.
• Geschäftskonto Business checking account enabling simple and efficient payment processing for companies.
• Unternehmerkredit Business credit facility providing financing up to €100,000 for new plans or deferred business projects.
• Berufshaftpflicht-Versicherung Professional liability insurance providing comprehensive protection against financial consequences of errors or accidents in business operations.
• Direktversicherung Company pension scheme (direct insurance) offering employees occupational retirement provision through the R+V group.

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

Six partnerships are on record, tiered core and minor.

• Bausparkasse Schwäbisch HallcoreChannel Partner/ Reseller/ DistributorStrategic partnership for housing savings and financing products. The bank offers Anschlussfinanzierung (follow-on financing) products from Schwäbisch Hall, Germany's largest building society. Customers are referred to Schwäbisch Hall for Bauspar products while the bank earns distribution commission.
• easyCredit (Teambank)coreChannel Partner/ Reseller/ DistributorDistribution partnership for instant credit products (Sofortkredit). The bank offers easyCredit personal loans powered by Teambank, providing customers with immediate financing options. The bank earns commission on originated loans.
• R+V VersicherungcoreChannel Partner/ Reseller/ DistributorInsurance product distribution partnership. The bank offers R+V insurance products including private liability insurance (Privathaftpflicht), occupational liability (Berufshaftpflicht), and other coverage. R+V is a major German insurance company owned by cooperative banks.
• MastercardcoreStrategic or Co-development PartnerPayment card partnership providing debit and credit card services to bank customers. Joint marketing campaigns include travel promotions with TUI vouchers and UEFA Champions League experiences. Mastercard enables card payment acceptance and issuing services.
• DZ BankminorStrategic or Co-development PartnerAppears in joint marketing campaigns with Mastercard. DZ Bank is the central institution for German cooperative banks, providing various support services including card program management.
• TUIminorGTM or Marketing PartnerTravel partner in Mastercard promotional campaign offering 1,500 EUR gift vouchers. TUI is a German travel company providing holiday packages and travel services as prizes in promotional campaigns.

Scale indicators1 record

Recent moves6 records

Expansion highlights4 records

Market position

Competitive moat4 records

Key risks4 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/raiffeisen-volksbank

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 Raiffeisen-Volksbank