VR-AppStore VR Bank Bayreuth-Hof eG

What VR-AppStore VR Bank Bayreuth-Hof eG does

VR Bank Bayreuth-Hof eG is a German cooperative bank (eingetragene Genossenschaft) headquartered in Bayreuth, Upper Franconia, serving private and small-business customers in the Bayreuth-Hof region of Bavaria. The bank operates as a member-owned institution within the national VR-Banken cooperative network, offering a full suite of retail and commercial banking products including current accounts (Girokonto, VR-FirmenKonto), debit and credit cards (Visa Naturliebe, Visa DirectCard, Mastercard), savings products (Tagesgeld, Bausparen), lending (easyCredit instant loans, Unternehmerkredit up to 100,000 Euro), brokerage, international payments, and business succession advisory.

The technology stack centers on the shared VR Banking App and an OnlineBanking portal that integrates multi-banking add-on services for partner products including Bausparkasse Schwäbisch Hall, R+V Versicherung, TeamBank (easyCredit), Union Investment, and GENO Broker. Distribution is hybrid, combining regional branch advisory (including the recently modernized Münchberg branch reopened in July 2026), digital self-service, and community sponsorships. Marketing emphasizes sustainability-positioned card products and promotional bundles such as travel vouchers for new digital banking enrollees.

The revenue model is built on three traditional banking streams: net interest income from loans and mortgages, transaction and account fees, and commission revenue from distributing partner insurance, investment, and building society products. The bank also derives ancillary income from card issuance (Visa, Mastercard), foreign exchange, and brokerage services. Operational footprint is regional rather than national, with no disclosed parent company, external investor, or expansion into new geographies.

Name

VR-AppStore VR Bank Bayreuth-Hof eG

Legal name

VR Bank Bayreuth-Hof eG

Website

https://vrbank-bayreuth-hof.de

Company type

Private

Operating status

Operating

Headcount range

11–50 employees

Short description

VR Bank Bayreuth-Hof eG is a member-owned German cooperative bank headquartered in Bayreuth, serving private and small-business customers in the Upper Franconia region with retail and commercial banking products, digital channels, and partner-distributed financial services.

Ownership category

akta.pro rank

Headquarters

HQ city

Bayreuth

HQ country

Germany

HQ region

Europe

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Interest Income: Traditional banking revenue from interest charged on loans and mortgages extended to private and business customers. Products include entrepreneur credits up to 100,000 Euro, easyCredit instant loans, and property financing.
2. Commission and Fee Income: Account maintenance fees, transaction fees, card issuance fees (Mastercard, Visa), brokerage commissions, and foreign exchange fees.
3. Insurance and Investment Distribution: Commission revenue from distributing partner insurance products (R+V Versicherung, Direktversicherung) and investment products (Union Investment, Bausparkasse Schwäbisch Hall) to bank customers.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels6 records

Core offering

VR Bank Bayreuth-Hof eG is a regional cooperative bank that provides personal and business banking services to members and customers in the Bayreuth-Hof area. Its product suite spans current accounts (Girokonto, VR-FirmenKonto), debit and credit cards (Visa and Mastercard), savings (Tagesgeld, Bausparen), consumer and business lending (easyCredit, Unternehmerkredit up to €100,000), online brokerage, international payments, business succession consulting, and company pension schemes, delivered through branches, the OnlineBanking portal, and the VR Banking App.

Product overview

VR Bank Bayreuth-Hof eG is a German cooperative bank (Volksbank/Raiffeisenbank) offering a comprehensive suite of retail and business banking products. The portfolio includes core personal banking services (Girokonto current account, Visa and Mastercard debit/credit cards, Tagesgeld savings), digital banking via OnlineBanking and VR Banking App, lending products (easyCredit instant loans, Unternehmerkredit business credit up to 100,000 euros), investment services (Brokerage for stock trading), business services (VR-FirmenKonto business account, Auslandszahlungsverkehr international payments, Unternehmensnachfolge succession planning), and insurance solutions (Direktversicherung company pension schemes). The bank also offers specialized products including Bausparen building savings for home modernization, Visa Naturliebe Karte with sustainability focus, and currency exchange services. Services are delivered through physical branches (including recently modernized Filiale Münchberg) and digital channels including a dedicated banking portal.

Differentiator

Problem solved

Functional benefit

Brands

• Visa Naturliebe Karte: Environmental credit card product supporting the Treemer organization.
• Visa DirectCard
• easyCredit
• VR-FirmenKonto
• Unternehmerkredit

Products and services

• Girokonto (Current Account) Current account product for private customers to manage daily finances, with access to OnlineBanking and payment services.
• Visa Naturliebe GoldCard Visa Gold credit card with sustainability focus that supports the Treemer environmental organization; includes a 100 Euro UrlaubsPlus travel voucher upon application and a chance to win a 500 Euro avocadostore voucher.
• Visa DirectCard Visa debit card with first-year fee-free promotion and prize draw for smartphones (iPhone 17 Pro or Google Pixel 10 Pro) for new applicants.
• Mastercard Debit and Credit Cards Mastercard-branded debit and credit cards for everyday payments and financial transactions, including dedicated Mastercard Firmenkreditkarte with corporate expense management features.
• VR Banking App Mobile banking application for Android and iOS enabling private and business customers to manage accounts, make payments, and access financial services on the go.
• OnlineBanking Portal Web-based banking platform providing account management, transaction execution, contract management, and access to partner financial products; new customers receive a ServicePaket with a 100 Euro travel voucher.
• Tagesgeld (Call Money Savings) Flexible savings account without a fixed term for wealth accumulation (call money / overnight savings).
• easyCredit (Instant Loan) Instant loan by TeamBank (easyCredit) offering financial flexibility, with online calculation and conclusion through the bank.
• Brokerage (Online Securities Trading) Online stock trading service enabling fast and simple trading on the stock exchange via the bank's brokerage infrastructure (GENO Broker partnership).
• VR-FirmenKonto (Business Account) Business checking account for companies and commercial customers to handle payments easily.
• Unternehmerkredit (Business Credit up to EUR 100,000) Business credit facility providing up to 100,000 euros for new plans or postponed projects, available to business customers upon consultation.
• Auslandszahlungsverkehr (International Payments) International payment services for business customers to securely and quickly execute payment orders across national borders.
• Direktversicherung (Company Pension Scheme) Company pension schemes (betriebliche Altersvorsorge) distributed via partner R+V Versicherung, offered to business customers as an employee benefit.
• Unternehmensnachfolge (Business Succession Consulting) Business succession consulting services providing competent tax, legal, and economic advice for ownership transitions and succession planning.
• Bausparen (Building Savings via Schwäbisch Hall) Building savings products for home modernization, helping customers save energy and money when improving their homes; distributed in partnership with Bausparkasse Schwäbisch Hall.
• Geld wechseln (Currency Exchange) Currency exchange service for converting currencies and ordering suitable cash for travel or business needs.

Quantifiable outcome

• Unternehmerkredit up to 100,000 Euro available for business financing needs
• +1 more outcomes

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

Feature5 records

Partnerships

Ten partnerships are on record, tiered core and minor.

• Bausparkasse Schwäbisch HallcoreChannel Partner/ Reseller/ DistributorBuilding society partnership enabling VR Bank Bayreuth-Hof eG customers to access Schwäbisch Hall's building savings products for home financing and property-related savings through the bank's platform. Customers can manage and cancel these contracts through the bank's OnlineBanking or directly with the partner.
• R+V VersicherungcoreChannel Partner/ Reseller/ DistributorInsurance partnership providing R+V Versicherung products to bank customers. VR Bank offers R+V insurance products including Direktversicherung (company pension scheme) for business customers as part of employee benefits offerings. Contract cancellation available through R+V's portal.
• TeamBank (easyCredit)coreChannel Partner/ Reseller/ DistributorPartnership for TeamBank's easyCredit instant credit product, which VR Bank offers as Sofortkredit (instant loan) with financial flexibility. Interest rates and terms are calculated and contracted through the bank's platform, with cancellation handled directly by TeamBank.
• Union InvestmentcoreChannel Partner/ Reseller/ DistributorInvestment fund partnership enabling VR Bank customers to access Union Investment's range of investment funds and asset management products. The bank facilitates distribution of these investment products as part of its wealth management and brokerage services.
• GENO BrokercoreChannel Partner/ Reseller/ DistributorSecurities brokerage partnership through the GENO Broker platform, enabling VR Bank customers to trade securities and access brokerage services. The partnership integrates GENO Broker's trading infrastructure with the bank's distribution channels.
• Treemer (Umweltorganisation)minorStrategic or Co-development PartnerNon-profit environmental organization supported through the Visa Naturliebe (Nature Love) credit card program. For each card issued, the bank supports Treemer, a charitable environmental organization dedicated to tree planting and environmental conservation in Germany.
• Visa (Visa Naturliebe Karte)coreTechnology or IntegrationPayment card partnership for Visa Naturliebe GoldCard and Visa DirectCard products. The bank issues Visa-branded debit and credit cards integrated with the bank's digital banking infrastructure, featuring sustainability-focused rewards and first-year free promotions.
• MastercardcoreTechnology or IntegrationPayment card partnership for debit and credit cards. The bank issues Mastercard-branded cards for private and business customers, including special firm credit cards (Mastercard Firmenkreditkarte) with dedicated corporate expense management features.
• avocadostoreminorGTM or Marketing PartnerSustainability-focused online marketplace partner in the Visa Naturliebe card promotional campaign. Customers applying for the Naturliebe card have the chance to win a 500 Euro voucher for avocado store, promoting conscious and sustainable shopping.
• UrlaubsPlusminorGTM or Marketing PartnerTravel partner in the Visa Naturliebe card promotion. New cardholders receive a 100 Euro travel voucher from UrlaubsPlus upon Naturliebe GoldCard application, driving card adoption while promoting sustainable travel.

Scale indicators2 records

Recent moves6 records

Expansion highlights4 records

Direct peers

• Sparkasse Bayreuth: The local Sparkasse (savings bank) serving the same Bayreuth catchment. Sparkassen are the traditional counterpart competitors to Volksbanken/Raiffeisenbanken in German retail and SME banking, offering a directly comparable product set (current accounts, cards, savings, lending, brokerage) to the same regional customer base.
• PSD Bank (e.g., PSD Bank Nürnberg): Another German cooperative-style retail bank with a similar focus on member-owned banking, comparable product set (current accounts, savings, lending, brokerage), and a regional Franconian footprint — a direct cooperative banking peer.
• DKB (Deutsche Kreditbank AG): A German direct bank with a comparable retail product set (current accounts, cards, Tagesgeld, brokerage, consumer credit) and a strong digital distribution model — a direct competitor for customer acquisition and deposit funding in the retail segment.
• Volksbank eG (broader Volksbanken Raiffeisenbanken network): The umbrella cooperative banking network to which VR Bank Bayreuth-Hof eG belongs; individual member banks in the network share the same legal form, product platform, and IT infrastructure, making them the closest possible comparable peer set for size, mix, and economics.
• ING-DiBa (ING Germany): Germany's largest direct bank, competing head-on with VR Bank Bayreuth-Hof eG in current accounts, Tagesgeld savings, brokerage, and consumer lending — but at much greater scale and via a digital-only distribution model that pressures incumbent cooperative banks.
• VR-Bank Erlangen-Höchstadt Herzogenaurach eG: A peer Volksbanken/Raiffeisenbanken cooperative bank operating in a comparable Bavarian regional setting, sharing the same central infrastructure, product catalog, and cooperative mutual model — a direct comparable for size, product mix, and channel structure.
• Sparda-Banken (e.g., Sparda-Bank Nürnberg): Sparda-Banken operate as member-owned cooperative-style banks with a comparable business model to VR Bank Bayreuth-Hof eG: retail-focused, member-owned, multi-product (accounts, cards, lending, insurance, investment distribution), with a regional Franconian footprint and similar reliance on partner distribution.

Emerging players

• N26 Bank GmbH: A digital-native German challenger bank competing in retail current accounts, payments, and card products. While not a direct cooperative peer, N26 targets the same digitally-engaged retail customer base that VR Bank Bayreuth-Hof eG needs to retain as the German retail banking market shifts online.

Broad incumbents

• Targobank AG: A German retail and consumer-finance bank offering directly comparable retail products (current accounts, credit cards, consumer credit, savings) via a branch-and-digital model — competes for the same customer wallet share as VR Bank Bayreuth-Hof eG.
• Commerzbank AG: A major national German commercial bank whose Mittelstand and retail divisions compete with VR Bank Bayreuth-Hof eG in business accounts, SME lending, and retail banking products — a broader-scope incumbent with substantially greater scale and product breadth.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/vr-appstore-vr-bank-bayreuth-hof-eg

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

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 VR-AppStore VR Bank Bayreuth-Hof eG