Volksbank Baden-Baden Rastatt eG

Name

Volksbank Baden-Baden Rastatt eG

Legal name

Volksbank pur eG

Website

https://vb-babara.de

Company type

Private

Operating status

Operating

Headcount range

1–10 employees

Ownership category

akta.pro rank

Product category

Cooperative Retail Banking

NAICS

Savings Institutions and Other Depository Credit Intermediation (52218), Credit Unions (522130), Depository Credit Intermediation (5221)

SIC

Savings Institution, Federally Chartered (6035), Mortgage Bankers & Loan Correspondents (6162), Personal Credit Institutions (6141)

akta.pro primary industry

Mutual Savings Banks & Mutual Thrifts (FSABAEAD)

Keywords

• Cooperative retail banking
• Mortgage lending services
• Wealth management advisory
• Consumer banking products
• Business banking services

Headquarters

HQ city

Karlsruhe

HQ country

Germany

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Interest Income: Core lending business generating income from mortgage loans, consumer credit, and corporate loans extended to customers.
2. Fee and Commission Income: Account management fees, payment transaction fees, credit card fees, and securities transaction commissions.
3. Investment Product Distribution: Distribution of third-party investment products including Union Investment funds, insurance products (R+V Versicherung), and building society products (Bausparkasse Schwäbisch Hall), earning distribution commissions.
4. Insurance Brokerage: Brokerage of insurance products through R+V Versicherung and other partners.

Go-to-market motion1 record

Distribution channels5 records

Marketing channels5 records

Core offering

Volksbank pur is a regional cooperative bank offering current accounts, savings and securities accounts, mortgage and construction financing, consumer and installment credit, credit cards, insurance brokerage, investment fund distribution, and wealth management/advisory services to retail customers, SMBs, younger (NextGen) customers, and high-net-worth individuals. Distribution combines personal advisory in physical branches across Baden-Baden, Rastatt, Karlsruhe, and Pforzheim with a digital banking platform (OnlineBanking portal, VR Banking app) and the proprietary WohnenPUR real estate portal.

Product overview

Volksbank pur is a German cooperative bank (Genossenschaftsbank) offering a comprehensive digital banking platform alongside traditional branch-based services. The core digital offering includes the Online Banking portal for account management and transactions. The bank provides specialized portals such as Wohnen Pur for real estate services, MeinPlus for loyalty rewards, and various digital account products (giro account, securities account, credit cards). Banking services are organized across customer segments: Privatkunden (retail), Firmenkunden (business), Private Banking (wealth management), and NextGen (younger customers). The bank also offers digital support services including remote support via TeamViewer, video identification, and an AI chatbot. Partnerships with third-party providers (Bausparkasse Schwäbisch Hall, R+V Versicherung, TeamBank, Union Investment, Genostore) enable customers to manage various insurance, investment, lending, and building society products through the bank. The bank supports digital payment methods including Apple Pay, Wero, and giropay.

Differentiator

Problem solved

Functional benefit

Brands

• WohnenPUR: Online portal for all topics related to real estate and homeownership, allowing customers to handle matters related to their homes online.
• MeinPlus

Products and services

• vbpur Girokonto (Current Account) Current account product for everyday banking offered to retail customers, with options for opening accounts digitally and accessing payment services including SEPA and digital wallet integrations.
• Depotkonto (Securities Account) Securities trading account enabling retail customers to invest in securities, manage investment portfolios, and place telephone orders during Wertpapier-Orderservice hours.
• Baufinanzierung (Construction / Mortgage Financing) Real estate financing products for retail customers to finance property purchases, supported through the bank's WohnenPUR portal and branch advisory.
• Kreditkarte (Credit Card) Credit card services including Mastercard and Visa options for retail customers, with support for digital wallets such as Apple Pay.
• OnlineBanking Portal Digital banking portal enabling customers to manage their accounts, conduct transactions, place securities orders, handle contracts, and open new products such as current accounts online.
• WohnenPUR Real Estate Portal Proprietary online portal for all topics related to homeownership and real estate, allowing customers to handle property search, financing, and related services digitally.
• MeinPlus Loyalty Program Loyalty program offering exclusive benefits to bank members, including 25% cashback on parking fees at the Volksbankhaus in Pforzheim and access to various partner offers.
• Video-Identifikation (Video Identity Verification) Service allowing customers to verify their identity via video call for account opening and other remote onboarding processes.
• Fernwartung (Remote Support via TeamViewer) Online support service via TeamViewer allowing customers to receive direct PC assistance from bank support staff, with 128-bit encrypted remote desktop sessions activated only after explicit customer consent.
• KI-Chatbot (AI Chatbot) AI-powered chatbot for automated customer service and query resolution, available through the bank's online services section.

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration7 records

AI capability2 records

Feature5 records

Partnerships

Seven partnerships are on record, tiered core and minor.

• Bausparkasse Schwäbisch HallcoreChannel Partner/ Reseller/ DistributorBausparkasse Schwäbisch Hall is one of Germany's leading building societies. Volksbank pur offers its customers building society savings products (Bausparverträge) as part of its savings and homeownership product range. Contracts can be managed and revoked through the bank's digital channels.
• R+V VersicherungcoreChannel Partner/ Reseller/ DistributorR+V Versicherung is a major German insurance group. Volksbank pur distributes insurance products to its customer base through its advisory services and digital platforms. Customers can initiate contract management and cancellation processes through the bank's partner links.
• TeamBankminorChannel Partner/ Reseller/ DistributorTeamBank is a German direct bank specializing in installment credit (easyCredit). Volksbank pur offers TeamBank's credit products to its customers through its platform, enabling contract handling and cancellation via the bank's digital channels.
• Union InvestmentcoreChannel Partner/ Reseller/ DistributorUnion Investment is a leading German asset management company and subsidiary of DZ Bank Group. Volksbank pur distributes Union Investment fund products (mutual funds, ETF savings plans) to its customers. The bank features Union Investment prominently on its website and offers its 'Wir für morgen' charity initiative in partnership with Union Investment, providing 430,000 euros in annual grant funding to community projects.
• WohnenPURcoreTechnology or IntegrationWohnenPUR is the bank's proprietary digital real estate portal, developed to enable customers to manage all aspects of homeownership online. It is integrated into the bank's digital banking ecosystem and accessible via the volksbank-pur.de website and the WohnenPUR subdomain.
• GenostoreminorChannel Partner/ Reseller/ DistributorGenostore is an online marketplace for consumer goods available to Volksbank pur customers. The bank provides access to Genostore through its digital platform, with the partnership link managed through the bank's contract and service management portal.
• MeinPlusminorChannel Partner/ Reseller/ DistributorMeinPlus is a customer loyalty and benefits program offered through the bank's digital platform. Members receive cashback benefits such as 25% cashback on parking fees at the Volksbankhaus in Pforzheim, enhancing customer retention and engagement.

Scale indicators3 records

Recent moves6 records

Expansion highlights5 records

Regional players

• Kreissparkasse Böblingen: Public-law savings institution serving the Böblingen district in Baden-Württemberg. Comparable in scale and segment mix (retail, SME, private banking, member-style community engagement) to Volksbank pur, though operating in an adjacent rather than overlapping geography.

Direct peers

• Volksbank Breisgau Nord eG: Another regional Genossenschaftsbank in Baden-Württemberg with a comparable product mix (current accounts, mortgages, Union Investment funds, R+V insurance) and similar member-owned governance. Comparable in scale and operating model, serving as a near-template peer for Volksbank pur's positioning.
• Volksbank Mittlerer Schwarzwald eG: Cooperative bank (Genossenschaftsbank) operating in the neighboring Schwarzwald-Baar / Rottweil region of Baden-Württemberg. Same cooperative ownership model, similar member-owned value proposition, and comparable product set distributed through Union Investment and R+V.
• Sparkasse Baden-Baden Gaggenau: The local savings bank directly serving the same Baden-Baden / Rastatt catchment area. Operates as a public-law savings institution offering retail, SME and private banking products across the same regional footprint, making it the primary head-to-head competitor for Volksbank pur's customer base.
• Sparkasse Pforzheim Calw: Savings bank serving the Pforzheim and Calw districts — geographies explicitly referenced in Volksbank pur's own service region (e.g., Volksbankhaus Pforzheim mentioned in cashback offer). Direct competitor for retail deposits, Baufinanzierung and SME banking in the same catchment.
• Sparkasse Karlsruhe: Public-law savings institution covering the city of Karlsruhe — the location listed for Volksbank pur's office and reporting address. Direct local competitor across retail, SME and Private Banking segments with a similar physical branch plus digital distribution model.
• Sparda-Bank Baden-Württemberg eG: Member-owned cooperative bank serving Baden-Württemberg with a branch-light, digitally-led model. Targets similar retail and NextGen segments with current accounts, consumer credit, and investment products distributed through partner networks, competing for the same cooperative-minded customers in the broader region.
• PSD Bank Karlsruhe-Neustadt eG: Cooperative bank headquartered in the same metropolitan area (Karlsruhe), serving public-sector employees, members and retail customers. Competes with Volksbank pur on retail deposits, consumer loans, and member-owned banking value proposition in the Karlsruhe-Pforzheim corridor.
• Volksbank Raiffeisenbank Überlingen eG: Regional cooperative bank on Lake Constance with the same dual Volksbank/Raiffeisenbank branding and member-owned structure. Comparable size and customer-segment coverage (retail, SME, private banking) within a similarly defined rural-urban regional footprint in Baden-Württemberg.

Broad incumbents

• DZ Bank AG: Central institution and primary corporate-banking partner of the German cooperative banking sector. Provides capital markets, treasury, and IT infrastructure to Volksbank pur via its Atruvia/VR-Bank platform (visible in the image CDN URLs). Not a retail competitor but the dominant upstream incumbent shaping Volksbank pur's technology and product backbone.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Customer concentration

• Facebookfacebook.com/vbpur
• LinkedInlinkedin.com/company/volksbank-baden-baden-rastatt-eg
• Instagraminstagram.com/volksbank_pur
• TikToktiktok.com/@volksbank_pur

Compliance2 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 →

Frequently asked questions about Volksbank Baden-Baden Rastatt eG