Volksbank Vogtland-Saale-Orla eG
Volksbank Vogtland-Saale-Orla eG is a member-owned German cooperative bank in Plauen, Saxony, offering retail and SMB banking — including accounts, consumer/business loans, payment terminals, insurance, and real estate brokerage — across the Vogtland, Saale, and Orla regions via branches and digital channels.
- Company typePrivate
- Founded-
- HeadquartersPlauen, Germany
- Headcount1–10
- GTM typeB2B and B2C
- OfferingServices
What Volksbank Vogtland-Saale-Orla eG does
Volksbank Vogtland-Saale-Orla eG is a German cooperative bank (eingetragene Genossenschaft) headquartered in Plauen, Saxony, serving retail and business customers across the Vogtland, Saale, and Orla regions of eastern Germany. As a member-owned institution, the bank operates within the broader Volksbanken/Raiffeisenbanken cooperative banking network and is distinguished from listed banks by its member-shareholder governance model.
The bank offers a comprehensive suite of retail and commercial banking products, anchored by the modular VR-PrivatKonto current account for consumers and the Geschäftskonto for businesses. Core offerings include consumer and business credit (Unternehmerkredit up to EUR 100,000, easyCredit in partnership with TeamBank), card payment terminals (Kartenterminals) and corporate credit cards (Firmenkreditkarte), real estate brokerage (Immobilienvermittlung), and travel health insurance via R+V. The technology stack combines a physical branch network with a 24/7 online banking portal, the VR Banking App, and modern payment integrations including Apple Pay (Mastercard/Visa tokenization in Apple Wallet), Wero instant payments by phone number, and the domestic girocard system. Distribution spans physical branches, the online portal, 24/7 phone service (03741/269-0), and online appointment booking, targeting both retail consumers and SMBs.
The bank's revenue model relies on standard cooperative banking economics — net interest income on the loan book, payment and terminal fees, and commissions on partner-distributed products (Bausparkasse Schwäbisch Hall construction savings, R+V insurance, Union Investment funds, TeamBank consumer credit). Specific pricing, fee schedules, and revenue figures are not publicly disclosed.
Volksbank Vogtland-Saale-Orla eG firmographics
Firmographics- Name
- Volksbank Vogtland-Saale-Orla eG
- Legal name
- Volksbank Vogtland-Saale-Orla eG
- Website
- https://vb-vso.de
- Company type
- Private
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- Volksbank Vogtland-Saale-Orla eG is a member-owned German cooperative bank in Plauen, Saxony, offering retail and SMB banking — including accounts, consumer/business loans, payment terminals, insurance, and real estate brokerage — across the Vogtland, Saale, and Orla regions via branches and digital channels.
- Ownership category
- akta.pro rank
Volksbank Vogtland-Saale-Orla eG industry classification
Industry- Product category
- Retail Banking
- NAICS
- Savings Institutions and Other Depository Credit Intermediation (52218)
- SIC
- Savings Institutions, Not Federally Chartered (6036)
- akta.pro primary industry
- A2A Payment Initiation Service Providers (PISPs) (FSAMAFAB)
- akta.pro secondary industry
- Integrated POS Payments (ISVs & Vertical POS Platforms) (FSAMADAD)
Keywords
Where Volksbank Vogtland-Saale-Orla eG is headquartered
LocationHeadquarters
- HQ city
- Plauen
- HQ country
- Germany
- HQ region
- Europe
Offices1 record
Markets served
Volksbank Vogtland-Saale-Orla eG business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Infrastructure, Marketing or Sales
Distribution channels3 records
Volksbank Vogtland-Saale-Orla eG product offering
Product offeringCore offering
Volksbank Vogtland-Saale-Orla eG is a regional cooperative bank that provides retail and small-business banking products to members and customers in the Vogtland, Saale, and Orla regions of Germany. Its core offerings include modular current accounts (VR-PrivatKonto and Geschäftskonto), consumer and business loans (easyCredit, Unternehmenskredit up to EUR 100,000), card terminals, corporate credit cards, insurance brokerage, investment funds, construction savings partnerships, and real estate brokerage, supported by online and mobile banking channels including Apple Pay and Wero instant payments.
Product overview
Volksbank Vogtland-Saale-Orla eG is a German cooperative bank offering a comprehensive range of retail and commercial banking products. The core product is the modular VR-PrivatKonto system, which allows customers to self-select banking services. For business customers, the bank provides Geschäftskonto (business accounts) with associated services including Kartenterminals (card terminals) and Firmenkreditkarte (corporate credit cards). The bank integrates modern payment solutions including Apple Pay and Wero for instant payments. Additional services include credit products (Unternehmerkredit up to 100,000 euros, easyCredit instant loans via TeamBank partnership), real estate brokerage (Immobilienvermittlung), insurance products (Auslandsreise-Krankenversicherung travel health insurance via R+V partnership), and community-focused offerings like Crowdfunding (Viele schaffen mehr) and the Mitglieder-Mehrwertprogramm member benefits program. The bank also provides digital services through Online-Banking and the VR Banking App.
Differentiator
Problem solved
Functional benefit
Products and services
- VR-PrivatKonto
Companies that use Volksbank Vogtland-Saale-Orla eG
Customer profileSegments2 records
Ideal customer profiles2 records
Volksbank Vogtland-Saale-Orla eG technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration5 records
Feature3 records
Volksbank Vogtland-Saale-Orla eG partnerships and signals
Strategic signalPartnerships
Four partnerships are on record, tiered minor.
- Bausparkasse Schwäbisch HallminorBausparkasse Schwäbisch Hall is a partner for construction savings contracts. Customers of Volksbank Vogtland-Saale-Orla eG who have taken out contracts with Schwäbisch Hall can process their contract-related requests, including cancellations, through the bank's platform.
- R+V VersicherungminorR+V Versicherung is the bank's insurance partner. Insurance contracts originated through the bank's platform or referrals can be managed, including cancellation processing, through the bank's digital services.
- TeamBank (easyCredit)minor
- Union InvestmentminorUnion Investment is the bank's partner for investment fund products. Customers can access Union Investment fund products through the bank's platform, and related contract cancellations can be processed.
Recent moves5 records
Expansion highlights5 records
Volksbank Vogtland-Saale-Orla eG competitors and assessment
Company assessmentBroad incumbents
- ING-DiBa AG: Germany's largest direct bank, offering retail Giro accounts, consumer credit, brokerage, and Apple Pay/Wero-supporting payments. Competes for the same retail and SMB customers via digital channels.
- Deutsche Kreditbank AG (DKB): A large German direct/online bank with a strong retail and SME proposition. Comparable as a digital-channel competitor with payment, card, and lending products, though operating at significantly larger scale.
- TARGOBANK AG: A national retail and SME bank with comparable deposits, consumer credit, and card products. Competes for the same middle-market retail and SMB customers via branch and digital channels.
Emerging players
- N26 Bank GmbH: A German digital challenger bank offering mobile-first accounts, payments, and credit. Competes for the same digitally-oriented retail customers the bank is targeting with Wero and Apple Pay.
- Comdirect Bank AG: A digital-first German bank within the Commerzbank group offering retail brokerage, accounts, and lending. Comparable as a digital-channel competitor for retail customers and self-directed SMBs.
Direct peers
- Sparkasse Vogtland: The regional public-sector savings bank directly serving the same Vogtland geography. Closest brick-and-mortar competitor for retail and SME deposits, loans, and payment services in the bank's core market.
- Sparda-Bank Berlin eG: A larger cooperative bank with similar member-owned governance and a comparable retail focus. Comparable in product breadth (accounts, payments, credit, insurance brokerage) and reliance on the cooperative partnership ecosystem.
- Volksbank Chemnitz eG: Another German cooperative bank (Volksbanken/Raiffeisenbanken network) operating in the Saxony region with a similar retail and SME product set, member-owned structure, and partnership-based product extension.
- PSD Bank Braunschweig eG: A smaller cooperative bank within the PSD Bank group offering a similar member-driven retail proposition with savings, credit, and partner-sourced insurance/investment products.
Regional players
- Erzgebirgssparkasse: A neighboring regional savings bank in Saxony with a comparable retail and SME banking model. Comparable product mix and physical-plus-digital distribution approach in a demographically similar region.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat5 records
Key risks5 records
Key highlights6 records
Customer concentration
Volksbank Vogtland-Saale-Orla eG social profiles
Digital presenceVolksbank Vogtland-Saale-Orla eG compliance and trust
Trust signalCompliance4 records
Volksbank Vogtland-Saale-Orla eG financial estimates
Financial estimateRevenue estimate
Valuation estimate
Volksbank Vogtland-Saale-Orla eG leadership team
Management profileNumber of profiles
Volksbank Vogtland-Saale-Orla eG funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Volksbank Vogtland-Saale-Orla eG M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Volksbank Vogtland-Saale-Orla eG
What does Volksbank Vogtland-Saale-Orla eG do?
Volksbank Vogtland-Saale-Orla eG is a regional cooperative bank that provides retail and small-business banking products to members and customers in the Vogtland, Saale, and Orla regions of Germany. Its core offerings include modular current accounts (VR-PrivatKonto and Geschäftskonto), consumer and business loans (easyCredit, Unternehmenskredit up to EUR 100,000), card terminals, corporate credit cards, insurance brokerage, investment funds, construction savings partnerships, and real estate brokerage, supported by online and mobile banking channels including Apple Pay and Wero instant payments.
Is Volksbank Vogtland-Saale-Orla eG a public or private company?
Volksbank Vogtland-Saale-Orla eG is a private company. It is classified as management employee owned and is currently operating.
When was Volksbank Vogtland-Saale-Orla eG founded?
Volksbank Vogtland-Saale-Orla eG was founded in -1. It employs 1 to 10 people.
Where is Volksbank Vogtland-Saale-Orla eG based?
Volksbank Vogtland-Saale-Orla eG is headquartered in Plauen, Germany, in the Europe region.
Who are Volksbank Vogtland-Saale-Orla eG's main competitors?
Broad incumbents on record are ING-DiBa AG, Deutsche Kreditbank AG (DKB) and TARGOBANK AG. Emerging players are N26 Bank GmbH and Comdirect Bank AG. Direct peers are Sparkasse Vogtland, Sparda-Bank Berlin eG, Volksbank Chemnitz eG and PSD Bank Braunschweig eG. Erzgebirgssparkasse is listed as a regional player.
Does Volksbank Vogtland-Saale-Orla eG have an API?
No public API is recorded for Volksbank Vogtland-Saale-Orla eG.
What industry is Volksbank Vogtland-Saale-Orla eG in?
Volksbank Vogtland-Saale-Orla eG's product category is Retail Banking. Its primary akta.pro industry code is FSAMAFAB, A2A Payment Initiation Service Providers (PISPs), with a secondary code of FSAMADAD, Integrated POS Payments (ISVs & Vertical POS Platforms). Its NAICS code is 52218 and its SIC code is 6036.