Volksbank Vorpommern eG

What Volksbank Vorpommern eG does

Volksbank Vorpommern eG is a registered German cooperative bank (eingetragene Genossenschaft) founded in 1860 and headquartered in Stralsund, Mecklenburg-Vorpommern. The bank serves retail customers (Privatkunden) and SMEs (Firmenkunden) in the Vorpommern region through a hybrid omnichannel model that combines multiple physical branches with the VR Banking App and an OnlineBanking portal that supports multibanking aggregation. Its core product set includes current accounts (Girokonto) with Mastercard debit and credit cards, real estate financing (Baufinanzierung), instant consumer credit via TeamBank easyCredit, business current accounts and credit facilities (Unternehmerkredit up to €100,000, Betriebsmittelkredit), investment and pension products (VermögenPlus, Fondssparplan, UniProfiRente/4P, the new Altersvorsorgedepot launching in 2027), and insurance distribution through R+V Versicherung and other Genossenschaftliche FinanzGruppe partners.

The bank operates on the Atruvia core banking platform shared across the cooperative banking network and is affiliated with DZ BANK as its central institution. It distributes Union Investment fund products, R+V insurance, Bausparkasse Schwäbisch Hall building savings, GENO Broker securities, and Süddeutsche Krankenversicherung (sdk) health insurance through its advisors and digital channels, with contract management facilitated through partner platforms. Remote customer support is delivered via BeyondTrust. The bank advertises a 4.7 out of 5 star customer satisfaction rating from over 670,000 reviews.

Volksbank Vorpommern eG generates revenue primarily through interest income on its loan portfolio (retail, mortgage, and SME credit), account and card maintenance fees, transaction and advisory fees on investment and securities products distributed via Union Investment and GENO Broker, insurance commissions from R+V and other partner products, and membership dividends paid to its cooperative members. Pricing is not publicly disclosed; account fees, loan rates, and advisory charges are handled through individual consultations and the Online Banking portal. The bank emphasizes regional community engagement in Vorpommern through sponsorship of sports, culture, education, and social welfare initiatives as a brand-building activity complementary to its financial services.

Name

Volksbank Vorpommern eG

Legal name

Volksbank Vorpommern eG

Website

https://vbvorpommern.de

Company type

Private

Operating status

Operating

Headcount range

11–50 employees

Short description

Volksbank Vorpommern eG is a regional German cooperative bank headquartered in Stralsund that serves retail and SME customers across the Vorpommern region through physical branches, the VR Banking App, and an OnlineBanking portal, distributing deposits, loans, investment funds, insurance, and building savings within the Genossenschaftliche FinanzGruppe network.

Ownership category

akta.pro rank

Product category

Retail Banking

NAICS

Depository Credit Intermediation (5221)

SIC

National Commercial Banks (6021)

akta.pro primary industry

SME Treasury & Liquidity Management (FX, Hedging, Sweep/Investment) (FSABABAE)

Keywords

• Retail banking services
• Cooperative banking
• Real estate financing
• Investment funds
• Business lending

Headquarters

HQ city

Stralsund

HQ country

Germany

HQ region

Europe

Offices2 records

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. Retail Banking Revenue: Volksbank Vorpommern eG generates revenue primarily through interest income on loans (mortgage loans, consumer credit via easyCredit, business loans, operating capital loans) and overdraft facilities. Additional revenue comes from account maintenance fees, payment card fees (Mastercard debit and credit cards), securities transaction fees, and insurance commission from R+V Versicherung products. As a cooperative bank, it also generates membership fees and returns profits to members via dividends.
2. Investment and Securities Services: Revenue from managing and selling investment products including actively managed investment funds (VermögenPlus), index funds, ETFs, and fund savings plans (Fondssparplan) via Union Investment. Riester state-subsidized pension products (UniProfiRente/4P) also generate fee income.
3. Insurance Distribution: Commission revenue from the distribution of insurance products, including R+V Auslandsreise-Krankenversicherung (foreign travel health insurance) and direct insurance (Direktversicherung) for corporate clients. The bank also facilitates Bausparkasse Schwäbisch Hall building savings products.
4. Corporate Banking Services: Fees from business current accounts (Geschäftskonto), entrepreneur loans (Unternehmerkredit up to €100,000), operating capital loans (Betriebsmittelkredit), and succession planning advisory (Unternehmensnachfolge) for business customers.

Go-to-market motion1 record

Distribution channels5 records

Marketing channels5 records

Core offering

Volksbank Vorpommern eG is a regional cooperative bank (Genossenschaftsbank) operating in the Vorpommern region of Mecklenburg-Vorpommern, Germany. It offers retail and business banking products including current accounts (Girokonto, Geschäftskonto), Mastercard debit and credit cards, mortgage and real estate financing (Baufinanzierung), instant consumer loans (easyCredit via TeamBank), business loans (Unternehmerkredit up to €100,000, Betriebsmittelkredit), investment products (VermögenPlus, Fondssparplan, ETFs), state-subsidized retirement savings (UniProfiRente/4P, Altersvorsorgedepot, Vermögenswirksame Leistungen), insurance distribution (R+V travel health insurance), and corporate pension and succession advisory. The bank is part of the Genossenschaftliche FinanzGruppe cooperative network and serves customers through physical branches plus digital channels (OnlineBanking portal and VR Banking App).

Product overview

Volksbank Vorpommern eG is a cooperative bank (Genossenschaftsbank) offering a comprehensive suite of retail and business banking products. For retail customers, the core offerings include Girokonto (current account), debit and credit cards (Mastercard), easyCredit instant loans, Baufinanzierung (real estate financing), and investment products such as VermögenPlus (managed funds/ETFs) and Fondssparplan. Retirement products include UniProfiRente/4P (Riester fund savings), Vermögenswirksame Leistungen (government-supported savings), and the new Altersvorsorgedepot launching in 2027. Insurance products are available through partners including R+V (travel health insurance). For business customers, offerings comprise Geschäftskonto (business account), Unternehmerkredit (up to 100,000 euros), Betriebsmittelkredit (working capital), Direktversicherung (company pension), and Unternehmensnachfolge (succession planning). Digital services include the VR Banking App for mobile banking and OnlineBanking Portal. The bank operates within the Genossenschaftliche FinanzGruppe cooperative financial network and uses Atruvia as its IT service provider.

Differentiator

Problem solved

Functional benefit

Brands

• VR Banking App: Mobile banking application for smartphone banking, allowing payments, account management, and investment services.

Products and services

• Girokonto
• Debit- und Kreditkarten Mastercard debit and credit cards for retail customers for all payment situations.
• easyCredit Instant consumer credit with flexible financial terms, offered in partnership with TeamBank within the cooperative banking group.
• Baufinanzierung Real estate financing for property purchase and construction for retail and business customers.
• VermögenPlus Investment product for retail customers covering actively managed investment funds, index funds, and ETFs, distributed via Union Investment.
• Fondssparplan Fund savings plan for retail customers starting from 25 euros per month for building long-term wealth via Union Investment.
• UniProfiRente/4P Riester state-subsidized fund savings plan for retirement provision distributed via Union Investment.
• Vermögenswirksame Leistungen Government-supported wealth-building savings scheme combining employer and state contributions for employees.
• Altersvorsorgedepot New retirement provision depot launching in 2027 that combines state subsidies with long-term capital market investment options.
• Auslandsreise-Krankenversicherung Foreign travel health insurance covering high treatment costs abroad, distributed in partnership with R+V Versicherung.
• Geschäftskonto Business current account for processing payments for SME and self-employed business customers.
• Unternehmerkredit Business loan up to €100,000 for new plans or deferred projects for SME customers.
• Betriebsmittelkredit Working capital credit for financing goods, inventory, and raw materials for business customers.
• Direktversicherung Company pension scheme providing occupational retirement benefits for employees, distributed with R+V Versicherung.
• Unternehmensnachfolge Advisory service for business succession planning addressing financial and asset-related questions for business owners.
• VR Banking App Mobile banking application for smartphone payments, account management, expense tracking, budgeting, securities administration (ETFs, stocks, funds), and multi-bank aggregation; supports Apple Pay and wearables.

Quantifiable outcome

• 4.7 out of 5 stars from over 670,000 customer ratings

Named customers2 records

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature7 records

Partnerships

Eight partnerships are on record, tiered core and minor.

• R+V VersicherungcoreChannel Partner/ Reseller/ DistributorVolksbank Vorpommern eG distributes R+V Versicherung products including the Auslandsreise-Krankenversicherung (foreign travel health insurance) and likely other insurance products. Customers can manage insurance contracts and process cancellations through the bank's partner portal. R+V Versicherung is a central institution in the German cooperative banking group (Genossenschaftliche FinanzGruppe).
• TeamBankcoreChannel Partner/ Reseller/ DistributorVolksbank Vorpommern eG offers TeamBank's easyCredit instant loan product through its branch and digital channels. The bank features easyCredit prominently on its website as a key consumer lending product. TeamBank is a digital consumer credit specialist within the cooperative banking group.
• Union InvestmentcoreChannel Partner/ Reseller/ DistributorVolksbank Vorpommern eG distributes Union Investment fund products including VermögenPlus (actively managed funds, index funds, ETFs), Fondssparplan, and UniProfiRente/4P (Riester-Rente fund savings plan). Union Investment is the fund management company of the German cooperative banking group.
• Bausparkasse Schwäbisch HallcoreChannel Partner/ Reseller/ DistributorVolksbank Vorpommern eG facilitates building savings contracts (Bausparverträge) through Bausparkasse Schwäbisch Hall, Germany's largest building society. Customers can process contract cancellations through the bank's partner portal. Schwäbisch Hall is a key partner in the Genossenschaftliche FinanzGruppe.
• GENO BrokercoreTechnology or IntegrationGENO Broker provides securities brokerage technology and services integrated into the bank's Online Banking platform. The bank references GENO Broker in its contract cancellation options, indicating it serves as the broker for securities and investment products. GENO Broker is a technology subsidiary of the German cooperative banking group.
• Süddeutsche Krankenversicherung (sdk)minorChannel Partner/ Reseller/ DistributorVolksbank Vorpommern eG offers health insurance products through Süddeutsche Krankenversicherung (sdk), a statutory health insurance provider. Contract cancellations for sdk products are facilitated through the bank's partner portal. This represents a supplementary insurance distribution relationship.
• Atruvia AGcoreTechnology or IntegrationAtruvia AG (formerly Fiducia GAD) is the IT service provider and data center operator for Volksbank Vorpommern eG and the broader cooperative banking group. The bank uses Atruvia's infrastructure for its Online Banking services, image hosting (atruvia.scene7.com), and remote support systems. Atruvia manages the core banking IT systems and digital platforms.
• BeyondTrustcoreTechnology or IntegrationVolksbank Vorpommern eG uses BeyondTrust Remote Support as its remote maintenance and online support tool. This enables bank specialists to assist customers remotely during support sessions. The solution is described as audit-proof (revisionssicher), with all activities recorded. BeyondTrust is a specialized enterprise remote support platform for banking environments.

Scale indicators2 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Volksbank Raiffeisenbank Prignitz eG: Neighboring regional cooperative bank in the Prignitz area of Brandenburg, directly adjacent to Vorpommern. Same cooperative model, same network partners, and a very similar small-scale rural footprint — directly comparable on operating economics.
• Sparkasse Vorpommern: Regional savings bank ('Sparkasse') operating in the same Vorpommern geography as Volksbank Vorpommern eG. Competes head-to-head for retail deposits, mortgages, and SME banking in the same local market — the most direct comparable competitor.
• PSD Bank Berlin-Brandenburg eG: Cooperative bank serving the broader Berlin-Brandenburg region adjacent to Volksbank Vorpommern eG's Vorpommern footprint. Comparable member-owned model and retail banking focus, with similar product offerings through cooperative network partners.
• Berliner Volksbank eG: Another regional Volksbank within the same Genossenschaftliche FinanzGruppe. Operates the same cooperative model, uses the same union partners (Union Investment, R+V, TeamBank), and offers the same product suite — a directly comparable peer for benchmarking growth and digital strategy.
• Sparda-Bank Berlin eG: Cooperative bank within the same German cooperative network, focused on retail customers with a similar membership-based model. Comparable product suite (current accounts, mortgages, investment, insurance) and similar target customer profile.

Emerging players

• N26 GmbH: Berlin-based neobank targeting digitally native consumers and SMEs across Germany. Represents the competitive threat from digital-first entrants that could erode Volksbank Vorpommern eG's primary banking relationships with younger customers.

Broad incumbents

• ING-DiBa AG: Germany's largest direct bank and a major competitor for retail deposits, brokerage, and consumer credit. While not a cooperative, it competes for the same retail customer relationships that Volksbank Vorpommern eG targets, especially among digital-native customers.
• Targobank AG: German consumer and SME bank with strong retail deposit and consumer credit franchises. Directly competes with Volksbank Vorpommern eG in consumer credit (Unternehmerkredit/easyCredit-equivalent) and SME banking within Germany.
• DZ BANK AG: Central institution and holding company of the Genossenschaftliche FinanzGruppe, the cooperative banking network to which Volksbank Vorpommern eG belongs. Provides liquidity, wholesale banking, and centralized product infrastructure that the subject bank relies on directly.
• Commerzbank AG: Major German commercial bank with broad retail and SME banking operations. Competes with Volksbank Vorpommern eG for SME banking customers and is a relevant benchmark for digital banking capabilities in the German market.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xde.wikipedia.org/wiki/Volksbank_Vorpommern
• LinkedInlinkedin.com/company/volksbank-vorpommern-eg

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

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M&A

Investments

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Frequently asked questions about Volksbank Vorpommern eG