Volksbank Südburgenland

What Volksbank Südburgenland does

Volksbank Südburgenland is a small regional cooperative bank in Austria, operating with approximately 10 employees as part of the Austrian Volksbanken-Verbund cooperative banking network, under the broader VOLKSBANK WIEN AG umbrella. The bank serves private individuals, youth (up to age 27), and commercial/business customers (SMEs and self-employed professionals) through a hybrid model combining physical branches (Filialen) and digital channels. Its product portfolio spans checking accounts (Exklusiv, Komfort, Direkt, Klassik models), youth and student accounts, debit and credit cards (Volksbank Debit Mastercard, Business Gold), consumer and mortgage lending, vehicle leasing, working capital and investment credit for businesses, factoring, and investment services (funds, deposit models, asset management, private banking). Insurance products (life, home, health, accident, legal protection) are distributed through partnerships with ERGO and D.A.S.

The bank operates the hausbanking digital platform — a web-based online banking service — alongside a suite of mobile applications (hausbanking-App, Pay-App, ID-App, Quick-App) that provide account access, peer-to-peer payments, identity verification, and quick transactions. Payment integration extends to Apple Pay, Google Pay, Swatch Pay, LAKS PAY, and Bluecode, with real-time SEPA transfers (Echtzeitüberweisung) and corporate banking accessible via EBICS and the Office Banking platform. The technology stack is conventional digital-banking infrastructure leveraging cooperative-shared standards; no proprietary AI/ML capabilities are disclosed.

The revenue model is typical of a regional retail bank: net interest income from lending (housing, consumer, commercial), recurring account and card fees from the tiered Kontomodelle, transaction fees from payments and securities trading, and commission income from distributing third-party insurance (ERGO/D.A.S.) and investment funds. Distribution is omnichannel — direct in-person advisory at branches, self-service via digital channels, and dedicated relationship managers for the commercial segment. The bank operates under Austrian banking law (BWG) supervision by the FMA and ECB, with PSD2-compliant account access and EBICS for corporate file transfers.

Name

Volksbank Südburgenland

Legal name

VOLKSBANK WIEN AG

Website

https://sb.volksbank.at

Company type

Private

Operating status

Operating

Headcount range

1–10 employees

Short description

Volksbank Südburgenland is a small regional Austrian cooperative bank serving private, youth, and SME customers through branches and digital channels, offering accounts, lending, insurance, and investment products as part of the nationwide Volksbanken-Verbund network.

Ownership category

akta.pro rank

Product category

Retail Banking

NAICS

Savings Institutions and Other Depository Credit Intermediation (52218), Depository Credit Intermediation (5221)

SIC

Savings Institutions, Not Federally Chartered (6036), Functions Related To Depository Banking, Nec (6099)

akta.pro primary industry

Mutual Savings Banks & Mutual Thrifts (FSABAEAD)

Keywords

• Retail banking
• Cooperative banking
• Consumer lending
• Mortgage financing
• Investment funds

Headquarters

HQ city

Vienna

HQ country

Austria

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, Others

Revenue model

1. Account and Card Fees: Monthly account fees for various account models (Exklusiv, Komfort, Direkt, Klassik) and debit/credit card fees.
2. Lending / Credit Products: Interest income from housing loans (Wohnbaukredite), consumer credits (Konsumkredit), business financing, leasing, and refinancing.
3. Investment Products and Securities: Revenue from securities trading, fund distribution, asset management, and private banking services.
4. Insurance Products: Distribution of insurance products including life, home, health, accident, and legal protection insurance through ERGO and D.A.S.
5. Payment Services: Transaction fees from electronic payments, real-time transfers, and card processing.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels6 records

Core offering

Volksbank Südburgenland is a regional cooperative bank providing retail, youth, and commercial banking services in southern Burgenland, Austria. Core offerings include tiered checking accounts (Exklusiv, Komfort, Direkt, Klassik), youth and student accounts, business accounts, consumer loans, mortgage and real estate financing, auto leasing, investment funds, securities trading, private banking, asset management, and insurance distribution, supported by the hausbanking digital banking platform and a suite of mobile payment applications.

Product overview

Volksbank Südburgenland operates as a regional cooperative bank offering a comprehensive banking platform with multiple account models for retail, youth, and business customers. The core product portfolio centers on checking accounts (Girokonto variants including Exklusiv, Komfort, Direkt, and Klassik), complemented by specialized youth accounts (Aktivkonto, Lehrlingskonto, Studentenkonto, KidsCard, TeensCard, StudyCard) and business accounts (Geschäftskonto, Business Gold Kreditkarte, Volksbank Debit Mastercard Business). Digital banking is delivered through the hausbanking platform with companion mobile applications (hausbanking-App, Pay-App, ID-App, Quick-App). The bank provides full lending capabilities including consumer credit (Der faire Credit), auto leasing, residential mortgages with the Wohnbau-Sicherheitspaket insurance bundle, and commercial financing (Betriebsmittelkredit, Investitionskredit, Factoring). Investment services include savings products, investment funds (Fonds, Immofonds), depot models, asset management (Vermögensverwaltung), and Private Banking. The bank supports modern payment methods including Apple Pay, Google Pay, Swatch Pay, LAKS PAY, and Bluecode, with real-time SEPA transfers and corporate banking via EBICS and Office Banking.

Differentiator

Problem solved

Functional benefit

Brands

• hausbanking: Online banking platform for customers
• Pay-App
• ID-App
• Quick-App

Products and services

• Exklusiv-Konto Premium tier checking account with comprehensive banking services and personal advisory for high-value retail customers.
• Komfort-Konto
• Direkt-Konto
• Klassik-Konto
• Aktivkonto / Lehrlingskonto / Studentenkonto
• KidsCard / TeensCard / StudyCard
• Geschäftskonto
• Volksbank Debit Mastercard (retail and business)
• Business Gold Kreditkarte
• hausbanking Online Banking
• hausbanking-App / Pay-App / ID-App / Quick-App
• Echtzeitüberweisung (Instant SEPA Payment)
• Office Banking
• Der faire Credit (Consumer Loan)
• Wohnbaukredit / Immobilienfinanzierung
• Auto-Leasing
• Umschuldung (Loan Refinancing)
• Betriebsmittelkredit
• Investitionskredit
• Factoring
• Sparprodukte (Savings Products)
• Investitionsfondssparen (Investment Fund Savings Plan)
• Depotmodelle (Securities Custody Account Models)
• Fonds (Investment Funds)
• Immofonds (Real Estate Funds)
• Nachhaltige Fonds (Sustainable Funds)
• Vermögensverwaltung (Asset Management)
• Private Banking
• Lebensversicherung (Life Insurance)
• Rechtsschutz (Legal Expenses Insurance)
• Nachhaltige Finanzierung (Sustainable Financing)

Segments5 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration9 records

Feature6 records

Partnerships

Eight partnerships are on record, tiered core and minor.

• Apple PaycoreTechnology or IntegrationIntegration enabling customers to make contactless payments using Apple Pay with their Apple devices at retail terminals.
• Google PaycoreTechnology or IntegrationIntegration enabling customers to make contactless Android payments at retail terminals.
• Mastercard (Volksbank Debit Mastercard, Business Gold)coreTechnology or IntegrationCo-branded debit and credit card programs: Volksbank Debit Mastercard for retail and business customers, and Business Gold Kreditkarte for commercial clients.
• ERGO VersicherungcoreChannel Partner/ Reseller/ DistributorInsurance products distributed through the bank including life, home, health, accident, and vehicle insurance under the ERGO brand.
• D.A.S. RechtsschutzminorChannel Partner/ Reseller/ DistributorLegal protection insurance (D.A.S. Firmen-Rechtsschutz) for business customers and personal legal protection for retail customers, distributed through the bank.
• Volksbanken-Verbund (Volksbanken Cooperative Network)coreStrategic or Co-development PartnerVOLKSBANK WIEN is a member of the Austrian Volksbanken cooperative banking network (Volksbanken-Verbund), which provides shared infrastructure, standards, branding, and mutual support among regional cooperative banks.
• Österreichische Notariatskammer (Austrian Notary Chamber)minorImplementation/ SI/ Consulting PartnerGuidelines for notary trust services (notarielle Treuhandschaften) related to real estate transaction handling.
• Finanzmarktaufsicht (FMA) / European Central BankcoreOthersRegulatory oversight by Austrian Financial Market Authority and the European Central Bank. The bank is a licensed credit institution under Austrian banking law (BWG).

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• Bank Austria (UniCredit): UniCredit's Austrian subsidiary and a national-scale retail/commercial bank; competes across accounts, payments, mortgages and SME financing for the same Austrian customer pool.
• Erste Group Bank AG: Largest Austrian banking group and dominant retail/SME player (Erste Bank, Sparkassen) with full-service offerings across accounts, lending, payments and wealth — competes for the same end customers with vastly greater scale.
• BAWAG Group AG: Top-tier Austrian retail and commercial bank with strong digital channels; competes head-on for retail deposits, consumer lending and SME banking customers targeted by Volksbank Südburgenland.
• Raiffeisen Bank International AG: Major Austrian banking group that operates the Raiffeisen brand across CEE; competes in retail, SME and corporate banking across the same Austrian customer base with materially greater resources.

Direct peers

• Volksbank Oberösterreich: Volksbanken-Verbund affiliate serving Upper Austria with the same cooperative retail/SME banking franchise structure, making it a near-analog regional peer for benchmarking deposit gathering, lending and digital delivery.
• Raiffeisenbank Burgenland: Cooperative regional bank operating in the same Burgenland geography; competes directly for retail deposits, SME lending, and youth accounts in the local market, making it the closest geographic counterpart.
• Volksbank Niederösterreich: Sister regional Volksbank in the same Volksbanken-Verbund cooperative network, serving retail, SME and youth customers across Lower Austria with shared infrastructure and product standards — directly comparable scale and franchise model.
• Volksbank Steiermark: Another regional Volksbank within the Verbund serving Styria; operates the same cooperative retail banking model with comparable account tiers, mortgage products, and digital banking infrastructure as Volksbank Südburgenland.
• VOLKSBANK WIEN AG: The legal/operating entity behind the regional Südburgenland brand and the largest Volksbank in the Verbund. Operates the same cooperative retail, youth, commercial, and digital banking model under the identical hausbanking platform, making it the closest functional equivalent.
• Volksbank Tirol: Regional Volksbank affiliate serving Tyrol under the same Verbund cooperative umbrella. Comparable in product breadth, customer segments (private/youth/commercial/wealth) and distribution model.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xtiktok.com/@volksbankat
• YouTubeyoutube.com/c/volksbank-official
• Facebookfacebook.com/volksbank
• LinkedInlinkedin.com/company/volksbank-s%C3%BCdburgenland
• Instagraminstagram.com/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 Volksbank Südburgenland