Volksbank Überlingen

What Volksbank Überlingen does

Volksbank Überlingen is a German cooperative bank (eingetragene Genossenschaft) headquartered at Landungsplatz 11, 88662 Überlingen, Baden-Württemberg, operating with 71 employees as part of the nationwide Volksbanken und Raiffeisenbanken cooperative network under the Genossenschaftliche FinanzGruppe. The bank serves private customers, business customers (SMBs, entrepreneurs, clubs/associations), and private banking clients in the Überlingen/Lake Constance region, offering current accounts (Girokonto, Geschäftskonto, Vereinskonto MeinVerein), debit and credit cards including the GoldCard, savings and term deposits (Festgeld), the Gewinnsparen savings lottery, lending via easyCredit in partnership with TeamBank and the Unternehmerkredit up to 100,000 euros, online brokerage with DZ Bank, the JuniorDepot im UnionDepot, insurance through R+V Versicherung, and real estate brokerage and financing.

The underlying technology is the standard shared infrastructure of the German cooperative banking network: the OnlineBanking Portal for web-based account management, the VR Banking App for mobile banking and payments, the BankingManager multi-banking aggregation tool, and proprietary systems integrated with national cooperative banking backends. Digital channels are combined with a physical branch for in-person advisory, and a phone contact center (07551 9300) supports customer service. Product manufacturing is largely outsourced to specialist partners: TeamBank for consumer credit, Union Investment for funds, R+V for insurance, Bausparkasse Schwäbisch Hall for Bauspar, DZ Bank for brokerage, and Mastercard for card issuance.

Volksbank Überlingen earns revenue through six streams: transaction fees on giro accounts and payments, net interest spread on lending and deposits, commissions on investment fund and brokerage distribution, commissions on insurance product distribution, fees from real estate brokerage and mortgage services, and recurring income from the savings/deposit book. The go-to-market is a hybrid model with local community presence and personal advisory as the primary acquisition channel, supported by digital self-service and an Ekomi-rated 4.6/5 customer experience across 522 reviews. As a cooperative, customers can become members with voting rights and receive an annual dividend on their shares, aligning the ownership structure with the member-customer base.

Name

Volksbank Überlingen

Legal name

Volksbank eG Überlingen

Website

https://volksbank-ueberlingen.de

Company type

Private

Operating status

Operating

Headcount range

51–100 employees

Short description

Volksbank Überlingen is a 71-employee German cooperative bank in Überlingen, Baden-Württemberg, serving private customers, SMEs, and private banking clients with accounts, cards, lending, savings, investments, insurance, and real estate through branch and digital channels.

Ownership category

akta.pro rank

Headquarters

HQ city

Überlingen

HQ country

Germany

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

Revenue model

1. Banking Services Revenue: Revenue from giro accounts, payment services, and transaction fees for both private and business customers.
2. Lending and Credit Services: Interest income from consumer loans, mortgages, business credit, and the easyCredit instant credit product.
3. Investment Products Distribution: Commission revenue from distribution of investment products including Union Investment funds and brokerage services.
4. Insurance Products: Revenue from sale of insurance products including R+V Versicherung and direct insurance offerings.
5. Real Estate Services: Commission and fees from real estate brokerage and mortgage services.
6. Savings and Deposits: Interest spread revenue from accepting customer deposits including Festgeld (term deposits) and Gewinnsparen (savings lottery).

Go-to-market motion1 record

Distribution channels4 records

Marketing channels4 records

Core offering

Volksbank eG Überlingen is a German cooperative bank offering retail and commercial banking services including checking accounts, savings and term-deposit products, debit and credit cards, instant consumer credit, business loans, online securities brokerage, child investment depot, savings lottery, direct insurance (company pensions), international payment services, business succession advisory, and dedicated digital banking channels (mobile app and web portal) for both private and corporate customers.

Product overview

Volksbank Überlingen is a cooperative bank (Volksbank) providing a comprehensive suite of banking products and services through both digital channels and branch locations. The product portfolio includes core banking services (Girokonto, debit/credit cards), digital banking (VR Banking App, OnlineBanking Portal), savings and investment products (Festgeld, Online-Brokerage, JuniorDepot, Gewinnsparen), lending solutions (easyCredit through TeamBank partnership, Unternehmerkredit), and specialized business banking services (Geschäftskonto, Vereinskonto, Auslandszahlungsverkehr). The bank operates within the German cooperative banking network (Volksbanken und Raiffeisenbanken) and partners with institutions like DZ Bank, TeamBank, and Union Investment for specific products.

Differentiator

Problem solved

Functional benefit

Products and services

• Girokonto (current account) Standard retail checking/current account product used by private customers for everyday payment transactions, with multiple tiers offered; accompanies a Volksbank girocard and supports digital banking access.
• Debit- und Kreditkarten (debit and credit cards) Bank-issued debit and credit cards for retail and business customers to make card-based payments at POS and online, with global acceptance.
• VR Banking App Cooperative mobile banking application providing customers with mobile account access, transfers, and transaction management.
• Festgeld (fixed-term deposit) Fixed-term savings deposit offering a guaranteed interest rate over a defined term, targeted at retail savers seeking capital preservation.
• easyCredit (instant consumer credit) Instant, digital consumer loan product for private customers needing quick, low-threshold personal financing.
• Online-Brokerage Online securities trading service allowing customers to buy and sell stocks, funds and other securities through a digital trading platform.
• JuniorDepot im UnionDepot (children's investment depot) Long-term investment depot account designed for children, supporting wealth-building over an extended horizon under the UnionDepot wrapper.
• Gewinnsparen (savings lottery) Combined savings and lottery product: customers save regularly while participating in draws that can produce additional winnings.
• Geschäftskonto (business current account) Dedicated business checking account for commercial customers, supporting company payment flows and business banking operations.
• Vereinskonto MeinVerein (club/association account) Special current account tailored for clubs (Vereine) and associations to manage membership dues, donations and operational cash flows.
• Unternehmerkredit (business loan) Loan product for entrepreneurs and small businesses to finance investments, working capital and operational needs.
• Auslandszahlungsverkehr (international payment services) Cross-border payment processing service that enables business customers to execute foreign-currency and international transfers.
• Direktversicherung (company pension / direct insurance) Company pension product offered via direct insurance, providing employers and employees with a tax-advantaged retirement solution.
• Unternehmensnachfolge (business succession advisory) Advisory service supporting business owners in planning and executing the handover of their company to successors, often linked to financing and tax considerations.
• BankingManager (multi-banking aggregation software) Software tool for customers to aggregate and manage accounts held at multiple banks inside a single overview, supporting consolidated financial management.
• OnlineBanking Portal Web-based digital banking channel providing account access, transaction initiation and statement retrieval for retail and business customers.

Segments4 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

Six partnerships are on record, tiered core.

• Bausparkasse Schwäbisch HallcoreTechnology or IntegrationBausparkasse Schwäbisch Hall is a partner for building society (Bauspar) products. Customers can access Bausparverträge and related building savings products through the bank's offering. The partnership allows contract revocation processing for Bauspar contracts.
• R+V VersicherungcoreTechnology or IntegrationR+V Versicherung is a major insurance partner in the cooperative banking network. Provides comprehensive insurance products including property, liability, life, and health insurance. Partnership enables contract management and revocation processing.
• TeamBankcoreTechnology or IntegrationTeamBank provides the easyCredit instant credit product. This is a key lending partnership offering instant loans with flexible repayment options. Customers can calculate and apply for easyCredit loans through the bank.
• Union InvestmentcoreTechnology or IntegrationUnion Investment is the investment fund partner of the German cooperative banks. Provides a wide range of investment funds, asset management, and wealth management products. Partnership enables fund distribution and account management for investment products.
• Gewinnsparverein Baden-WürttembergcoreTechnology or IntegrationGewinnsparverein Baden-Württemberg (GSV) operates a savings lottery program. Customers can purchase lottery tickets that also serve as savings products, with monthly and special prize drawings including the major jubilee drawing in September with 7 prizes of 75,000 euros each.
• MastercardcoreTechnology or IntegrationMastercard provides debit and credit card services including GoldCard with premium benefits. The partnership enables customers to use Mastercard cards for payments worldwide.

Scale indicators2 records

Recent moves6 records

Expansion highlights5 records

Emerging players

• N26: Berlin-based neo-bank with a German retail focus competing for the same giro-account and consumer-finance customer base as Volksbank Überlingen through a mobile-first proposition.
• Revolut Germany: Digital challenger expanding across Europe with multi-currency accounts and consumer credit — competing for the younger / mass-affluent segment of Volksbank Überlingen's private-customer base.

Direct peers

• Volksbank Konstanz: Neighbouring Volksbank in the Bodensee region operating the identical cooperative banking model, product suite (giro, cards, easyCredit, Union Investment, R+V), and hybrid branch-plus-VR App distribution — the closest like-for-like regional peer.
• Sparkasse Bodensee: Public-sector savings bank serving the same Bodensee catchment area with a comparable retail/SMB product set — directly competing for the same local customers as Volksbank Überlingen under a different legal form.
• Volksbank eG Konstanz-Bodensee-Hegau: Larger cooperative bank in the immediate Lake Constance area combining Volksbank and Raiffeisenbank functions — same Genossenschaftliche FinanzGruppe network, same product partners, comparable SMB/retail focus.
• Sparkasse Bodensee-Oberschwaben: Another savings institution overlapping geographically in the Bodensee/Oberschwaben area, competing for retail, SME, and savings deposits under the public-law savings-bank model.
• Volksbank Hochrhein: Nearby cooperative Volksbank in Baden-Württemberg offering the same product line and network partnerships — useful benchmark for cooperative-bank unit economics in the same regional market.
• Volksbank Raiffeisenbank Bodensee (or equivalent merged entity): Adjacent Volksbanken Raiffeisenbanken entity in the broader Bodensee region, offering the same cooperative-banking products, member dividend model, and network partnerships.

Broad incumbents

• ING Germany: One of Germany's largest direct banks offering giro accounts, consumer credit, and brokerage — a national-scale incumbent increasingly challenging regional cooperative banks for primary-customer status.
• DKB (Deutsche Kreditbank): Large direct bank with a strong German retail/SMB franchise; while national rather than regional, it competes head-on with Volksbank Überlingen for giro accounts, consumer credit, and online brokerage customers in Germany.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/volksbank-%C3%BCberlingen

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

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M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Volksbank Überlingen