Volksbank Baumberge

What Volksbank Baumberge does

Volksbank Baumberge eG is a small German cooperative bank (eingetragene Genossenschaft) headquartered in Billerbeck, Nordrhein-Westfalen, founded in 1885 and operating under the Volksbanken Raiffeisenbanken cooperative network. The institution serves retail customers, young customers, small and medium-sized businesses, and private banking clients in the Baumberge region through a combination of physical branches, online banking, the VR Banking mobile app, and an Online-Geschäftsstelle digital self-service platform. Core products include the VR-Kompakt digital current account (€4.50/month), Tagesgeld savings, Baufinanzierung (real estate financing), Modernisierungskredit, and the Unternehmerkredit business loan facility (up to €100,000), complemented by credit card products (GoldCard) and payment solutions (Bargeldlos kassieren).

Revenue is generated through three primary streams: net interest income on lending (mortgages, consumer credit via easyCredit/TeamBank, SME credit), recurring account and transaction fees on retail and business accounts, and commissions from distributing partner products including R+V Versicherung insurance, Schwäbisch Hall building society products, Union Investment funds, and SDK health insurance. The bank distributes its products through branch advisory, the online portal, mobile banking, and embedded partner portals, and maintains presence on Instagram, Facebook, YouTube, and Kununu for brand engagement. Reported headcount is seven employees, indicating a micro-scale operational footprint that relies heavily on the shared cooperative network infrastructure for technology, risk diversification, and product manufacturing. The bank reports no public financials, operates no subsidiaries, and has no parent company.

The institution is currently executing a planned leadership transition: Timm Borgmann is appointed to the Vorstand effective October 1, 2026, and Helena Hass will assume the Vorstandsvorsitzende role effective January 1, 2027. Volksbank Baumberge holds no patents, has not completed any recorded M&A, and operates only within Germany.

Name

Volksbank Baumberge

Legal name

Volksbank Baumberge eG

Website

https://volksbank-baumberge.de

Company type

Private

Operating status

Operating

Headcount range

1–10 employees

Short description

Volksbank Baumberge eG is a small German cooperative bank founded in 1885 in Billerbeck, North Rhine-Westphalia, serving retail, young, SME, and private banking customers in the Baumberge region through branches, digital channels, and partner-distributed financial products.

Ownership category

akta.pro rank

Product category

Cooperative Retail Banking

NAICS

Depository Credit Intermediation (5221), Savings Institutions and Other Depository Credit Intermediation (52218), Finance and Insurance (52)

SIC

Savings Institution, Federally Chartered (6035)

akta.pro primary industry

Embedded Deposit Accounts & Digital Wallet Infrastructure (FSAGALAE)

akta.pro secondary industry

Lending & Credit Disbursements (FSAMAKAH)

Keywords

• Retail banking services
• Cooperative banking
• Mortgage lending
• Consumer credit
• Business banking

Headquarters

HQ city

Billerbeck

HQ country

Germany

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales, Supply Chain

Revenue model

1. Banking Fees and Commissions: Volksbank Baumberge generates revenue through account maintenance fees (e.g., VR-Kompakt at €4.50/month), transaction fees, credit interest margins, and various banking service commissions across retail, business, and private banking segments.
2. Interest Income: Traditional bank lending revenue from mortgage financing (Baufinanzierung), consumer credit (easyCredit, Modernisierungskredit), business credit (Unternehmerkredit up to €100,000), and other loan products.
3. Insurance and Financial Products Distribution: Commission revenue from distributing insurance products (R+V Versicherung), pension products (Betriebliche Altersvorsorge), and investment products through the cooperative banking network.

Pricing tiers

Go-to-market motion1 record

Distribution channels5 records

Marketing channels4 records

Core offering

Volksbank Baumberge eG is a regional cooperative bank offering retail, business, and private banking services in the Baumberge region of Germany. Its core offering comprises current accounts (VR-Kompakt at €4.50/month, Geschäftskonto for businesses), savings and investment products (Tagesgeld, VR-ZinsStrategie), lending (Baufinanzierung mortgages, easyCredit consumer loans, Unternehmerkredit business loans up to €100,000, Modernisierungskredit), insurance distribution (R+V liability, pension, and safe-deposit-box insurance), payment solutions (GoldCard, Bargeldlos kassieren POS), and digital self-service via the Online-Geschäftsstelle and OnlineBanking portal.

Product overview

Volksbank Baumberge eG operates as a cooperative bank offering a unified banking platform with multiple integrated products for retail and business customers. The core offering consists of VR-Kompakt (digital current account at 4.50 EUR/month), easyCredit instant loans (via TeamBank partnership), Tagesgeld savings accounts, and Baufinanzierung real estate financing. Insurance products include Private Haftpflicht-Versicherung and Betriebliche Altersvorsorge (both via R+V partnership), plus Berufshaftpflicht-Versicherung for business clients. The bank provides business services through Geschäftskonto and Unternehmerkredit (up to 100,000 EUR), along with Bargeldlos kassieren payment solutions and GoldCard premium credit cards. The Online-Geschäftsstelle serves as the digital self-service platform, supplemented by VR-ZinsStrategie for interest security products. These products are distributed through the bank's branch network, Online-Geschäftsstelle, and traditional banking channels.

Differentiator

Problem solved

Functional benefit

Products and services

• VR-Kompakt A fully digital current account offering priced at €4.50 per month, providing comprehensive digital banking services for everyday transactions and financial management for retail customers.
• easyCredit Instant consumer credit product distributed in partnership with TeamBank, offering immediate financial flexibility with real-time calculation and online contract completion for retail customers.
• Tagesgeld Flexible daily-call savings account without a fixed term, allowing随时存取资金 (deposits and withdrawals at any time) for wealth accumulation by retail customers.
• Baufinanzierung Real estate financing service covering all aspects of property purchase and construction, including consultation, subsidies, and financing solutions for private customers.
• Private Haftpflicht-Versicherung Private liability insurance distributed in partnership with R+V Versicherung, protecting customers against costs arising from accidents or mishaps in their private lives.
• Betriebliche Altersvorsorge Company pension scheme offered in partnership with R+V Versicherung, providing retirement savings with tax advantages for employees and employers.
• Geschäftskonto Business checking account enabling simple payment processing for commercial customers and self-employed professionals.
• Unternehmerkredit Business credit facility providing up to €100,000 for new plans or deferred projects, supporting working capital and entrepreneurial financing needs.
• Berufshaftpflicht-Versicherung Professional liability insurance distributed via R+V Versicherung, providing comprehensive protection against financial consequences of errors or accidents in business operations.
• Bargeldlos kassieren Cashless payment solution for businesses offering favorable conditions for card payments and point-of-sale transactions through VR Payment.
• GoldCard Premium credit card for demanding customers, including many additional benefits and exclusive services.
• Bankschließfachversicherung Insurance protection for valuables stored in bank safe deposit boxes against fire, theft, and other risks.
• VR-ZinsStrategie Interest strategy product combining long-term interest security with regular capital returns, providing structured wealth planning and stability for retail savers.
• Modernisierungskredit Home modernization loan combining long-term savings, property value increase, and bundled consultation, subsidies, and financing services for private property owners.

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature5 records

Partnerships

Six partnerships are on record, tiered core and minor.

• TeamBank (easyCredit)coreChannel Partner/ Reseller/ DistributorVolksbank Baumberge offers easyCredit instant loan products through its partnership with TeamBank. Customers can access the easyCredit customer portal through the bank's website. This partnership provides access to consumer credit products with instant decisioning and flexible financing options.
• Bausparkasse Schwäbisch HallcoreChannel Partner/ Reseller/ DistributorPartnership with Schwäbisch Hall, Germany's leading building society, for home savings and construction financing products. The bank provides access to Schwäbisch Hall customer portals for existing customers to manage their building society accounts.
• R+V VersicherungcoreChannel Partner/ Reseller/ DistributorDistribution partnership for R+V Versicherung insurance products including private liability insurance (Privathaftpflicht), occupational liability insurance (Berufshaftpflicht), and company pension products (Betriebliche Altersvorsorge). Customers can access R+V customer portals through the bank's digital platforms.
• Union InvestmentminorChannel Partner/ Reseller/ DistributorPartnership for investment fund products and wealth management services through Union Investment, part of the DZ BANK group. Provides access to securities trading and investment fund products.
• Volksbanken Raiffeisenbanken Cooperative NetworkcoreTechnology or IntegrationMembership in the German cooperative banking network (Volksbanken Raiffeisenbanken) providing shared banking infrastructure, VR Banking app technology, VR payment solutions (Wero), girocard system participation, and access to shared services including GENO Broker and GENO Energie platforms.
• SDK Süddeutsche KrankenversicherungminorChannel Partner/ Reseller/ DistributorPartnership for health insurance products through SDK Süddeutsche Krankenversicherung, one of the larger German health insurers.

Scale indicators1 record

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• ING-DiBa AG: One of Germany's largest direct banks with leading market share in retail current accounts, savings, and consumer credit. A broad incumbent competitor for the same retail deposit, payment, and lending customers that Volksbank Baumberge targets.
• DKB (Deutsche Kreditbank AG): A large German direct/digital bank with a strong retail current-account franchise, payments, and consumer lending. A broad incumbent competitor on the digital current-account, savings, and consumer-credit side that sets customer expectations for digital UX and pricing.
• Volksbanken Raiffeisenbanken (BVR / DZ BANK group): The umbrella cooperative banking association and DZ BANK group that Volksbank Baumberge belongs to. Functions as the broad incumbent providing shared infrastructure (VR Banking App, girocard, Wero, payment processing) and partner product distribution, against which all local Volksbanken benchmark their capabilities.
• TARGOBANK AG: A German retail and SME bank with a branch-and-digital model comparable to Volksbank Baumberge's, including consumer credit, current accounts, and business banking. A relevant broad incumbent peer for retail and SME customer overlap.

Direct peers

• Volksbank Münsterland Nord eG: A larger regional Volksbank cooperative bank operating in the same Münsterland area of North Rhine-Westphalia. Directly comparable as a cooperative bank (eG) serving overlapping retail, business, and private banking customers with similar Volksbanken Raiffeisenbanken network products and a branch-plus-digital distribution model.
• Sparda-Bank West eG: A cooperative bank (eG) operating in western Germany with a similar member-owned structure and a comparable retail product set (current accounts, savings, consumer credit, insurance distribution). A relevant direct peer for benchmarking customer acquisition and product economics in cooperative retail banking.
• PSD Bank West eG: A regional cooperative bank (eG) serving western German states with retail banking, consumer credit, and member-oriented products. Comparable in cooperative structure, digital-plus-branch delivery, and the focus on retail and SME customers in a defined geography.
• Sparkasse Westmünsterland: The dominant regional savings bank (Sparkasse) operating in the same Westmünsterland / Baumberge geography. A direct local competitor offering the same core retail, SME, and private banking services to a largely overlapping customer base, and the most relevant counter-positioning for Volksbank Baumberge.
• Volksbank Gronau-Ahaus eG: A neighboring cooperative Volksbank serving the Gronau-Ahaus region in Münsterland. Closely comparable size and product set, with the same eG structure, shared cooperative-network products, and branch-plus-digital distribution model.

Emerging players

• N26 Bank GmbH: A Germany-founded neobank with a fully digital current account, payments, and consumer credit proposition. An emerging competitor that erodes the small-bank value proposition for digital-native and younger customers in the same retail banking category.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/channel/UCC6UgF34i-QsJ43KqWfF6gQ
• Facebookfacebook.com/VolksbankBaumberge
• Instagraminstagram.com/volksbankbaumberge/?hl=de
• LinkedInlinkedin.com/company/volksbank-baumberge

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

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 Baumberge