Gewinnsparverein der Volksbanken und Raiffeisenbanken in Baden-Württemberg e.V.

What Gewinnsparverein der Volksbanken und Raiffeisenbanken in Baden-Württemberg e.V. does

The Gewinnsparverein der Volksbanken und Raiffeisenbanken in Baden-Württemberg e.V. is a registered non-profit association (eingetragener Verein) that operates VR-GewinnSparen, a combined savings lottery product exclusive to the cooperative banking sector in Baden-Württemberg, Germany. The product is distributed exclusively through 89 Volksbanken and Raiffeisenbanken partner banks, serving more than 450,000 retail customers with over 1.4 million monthly tickets. Each €10 ticket is mechanically split into three components: €7.50 routed to the customer's savings account, €2.50 allocated to lottery game stakes, and €0.63 directed to charitable donations, making the product a hybrid of savings instrument, regulated lottery, and philanthropy mechanism.

The association's lottery operations are supervised by the Regierungspräsidium Karlsruhe under the State Treaty on Gambling (Glücksspielstaatsvertrag). In 2025, the association reported approximately €131.5 million in savings volume, €25.1 million in prizes awarded, and €11 million in donations to charitable causes. Beyond the core lottery, the association runs the VRmobil program — a vehicle donation initiative founded in 2008 that has donated over 2,000 vehicles to charitable organizations — and maintains strategic alliances with myclimate (carbon offset), the Baden-Württembergischer Genossenschaftsverband (BWGV), and other cooperative ecosystem partners. Prize partnerships include automotive collaborations with Audi for vehicle prizes and experiential draws such as Iceland travel packages.

The business model is structurally a pass-through entity: ticket revenue is redistributed as savings returns, prize payouts, and charitable grants, with the association retaining only an administrative margin. The organization's 75th anniversary falls in 2026, marked by special lottery editions and an expanded VRmobil program targeting 89 additional vehicle donations. With a lean operational footprint, the entity functions primarily as a regulatory, administrative, and coordination hub rather than a conventional revenue-generating enterprise.

Name

Gewinnsparverein der Volksbanken und Raiffeisenbanken in Baden-Württemberg e.V.

Legal name

Gewinnsparverein der Volksbanken und Raiffeisenbanken in Baden-Württemberg e.V.

Website

https://vr-gewinnsparen.de

Company type

Private

Founded year

2008

Operating status

Operating

Headcount range

1–10 employees

Short description

Non-profit association operating VR-GewinnSparen, a regulated savings lottery product combining savings, prizes, and charitable donations, distributed exclusively through 89 cooperative banks in Baden-Württemberg to over 450,000 retail customers with 1.4 million monthly tickets.

Ownership category

akta.pro rank

Product category

Savings Lottery

NAICS

Voluntary Health Organizations (813212), Funds, Trusts, and Other Financial Vehicles (525)

akta.pro primary industry

Lottery Operators (Government & Private Licensed) (MPAEAFAA)

akta.pro secondary industries

Lottery Beneficiary/Fund Administration & Grant Management Services (MPAEAFAN), Digital Lottery & iLottery Platforms (Web/App) (MPAEAFAD)

Keywords

• Savings lottery
• Cooperative banking
• Prize-linked savings
• Charitable donations
• Cooperative savings products

Headquarters

HQ city

Stuttgart

HQ country

Germany

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Operations, Personnel, Marketing or Sales, Technology or R&D, Others

Revenue model

1. Lottery Game Stakes: The primary revenue stream comes from the 2.50€ monthly game stake per lot (from the 10€ total lot fee). Of this stake, at least 55% is redistributed as prizes to winners. Approximately 63 cents per lot is donated to charitable causes.
2. Savings Deposits: 7.50€ per lot per month is credited to the customer's savings account, creating a growing savings balance that customers can access. This represents float income for participating banks.
3. Prize Fund Management: Annual prize value of approximately 25.1 million euros distributed to winners, funded by game stakes. The organization manages the prize pool with guaranteed minimum payouts.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels7 records

Core offering

The Gewinnsparverein operates VR-GewinnSparen, a monthly prize-linked savings lottery product distributed through 89 participating Volksbanken and Raiffeisenbanken in Baden-Württemberg. Each lot costs €10 per month, split into €7.50 credited to the customer's savings account, €2.50 as a lottery stake, and approximately €0.63 directed to charitable institutions. The organization also runs the VRmobil social project, donating vehicles to charitable organizations in the region.

Product overview

Gewinnsparverein der Volksbanken und Raiffeisenbanken in Baden-Württemberg e.V. operates VR-GewinnSparen, a unified savings-and-lottery product offered through 89 cooperative banks in Baden-Württemberg. The single product combines three functions: (1) monthly lottery participation with prizes including cash, cars (Audi A3 allstreet), and travel packages; (2) automated savings accumulation at €7.50 per ticket monthly; and (3) charitable giving to social institutions, schools, and community organizations. Over 450,000 customers hold approximately 1.4 million monthly tickets. The company also runs the VRmobil social project donating vehicles to charitable organizations. No modular or add-on products are offered—the service is delivered exclusively through participating Volksbanken and Raiffeisenbanken via OnlineBanking and VR Banking App.

Differentiator

Problem solved

Functional benefit

Products and services

• VR-GewinnSparen
• VRmobil Social Project

Quantifiable outcome

• Minimum 55% of game stakes redistributed as prizes to winners
• +4 more outcomes

Named customers6 records

Segments3 records

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature2 records

Partnerships

Six partnerships are on record, tiered core and minor.

• Volkswagen (for VRmobil project)coreStrategic or Co-development Partner · 1 January 2008Volkswagen partnership for the VRmobil social project where vehicles (VW Polo, VW ID.3, VW Caddy, VW Transporter) are donated to social institutions. Since 2008, over 2,000 vehicles have been donated. Vehicles are provided on a 3-year leasing basis worth approximately 1.4 million euros per donation cycle.
• AudicoreStrategic or Co-development PartnerAudi provides vehicle prizes (Audi A3 allstreet TFSI e hybrid) for VR-GewinnSparen prize drawings. The partnership includes high-profile prize handover events at Audi Forum Neckarsulm, creating brand visibility and customer engagement.
• myclimateminorStrategic or Co-development PartnerClimate protection partner for CO2 footprint calculation and carbon offset. myclimate supports the organization in measuring emissions and investing in climate protection projects in developing and emerging countries (e.g., biogas in India, solar panels in Ethiopia and Kenya).
• Baden-Württembergischer Genossenschaftsverband (BWGV)coreStrategic or Co-development PartnerThe Gewinnsparverein is a member of the BWGV, the regional association of cooperative banks in Baden-Württemberg. BWGV supports the organization's mission and represents cooperative banking interests.
• Interessenverband der Lotterien mit geringem Gefährdungspotenzial (I-LGG)minorStrategic or Co-development PartnerThe Gewinnsparverein is a member of I-LGG, the interest association for lotteries with low risk potential, demonstrating commitment to responsible gaming practices.
• 89 Volksbanken und Raiffeisenbanken in Baden-WürttembergcoreChannel Partner/ Reseller/ Distributor89 cooperative banks serve as distribution partners and members of the Gewinnsparverein. They distribute VR-GewinnSparen products to customers, process lot purchases, and contribute to charitable donations from game stakes.

Scale indicators9 records

Recent moves6 records

Expansion highlights5 records

Others

• Eurojackpot (European Lotteries consortium): Multi-country European lottery draw operated by a consortium of European state lotteries including Lotto Baden-Württemberg. Comparable as a competing prize-pool draw game that competes for the same lottery-stake euros from Baden-Württemberg consumers, though it lacks the savings-and-charity bundling.
• Bundeskuratorium Deutscher Lotterien (BDL): Umbrella association of German lottery operators representing interests of state and private licensed lotteries. Adjacent industry body rather than a direct competitor, but its responsible-gaming and regulatory positions shape the operating context for VR-GewinnSparen.

Direct peers

• Other cooperative Gewinnsparvereine (e.g., Bayern, Hessen, NRW): Other German cooperative-bank savings lottery associations (Volksbanken/Raiffeisenbanken-affiliated Gewinnsparvereine) operating near-identical Win+Save+Help products in other Bundesländer. They are the closest direct competitors, mirroring the same pricing, prize-pool mechanics, and distribution model via local cooperative banks.
• Sparkassen-Lotterie / PS-Sparen der Sparkassen: Savings lottery products offered by the German Sparkassen sector, bundling savings contributions with prize draws for Sparkassen retail customers. Direct comparable in product design and mechanics, with parallel savings-plus-prize positioning, though distributed through savings banks rather than cooperative banks.

Regional players

• Westdeutsche Lotterie GmbH & Co. OHG (WestLotto): State lottery operator for Nordrhein-Westfalen, offering Lotto, Eurojackpot, Keno, and instant-win products through a similar regulated model. Comparable as another large German state lottery with analogous product structure and regulatory oversight, though serving a different Bundesland.
• Lotto Hessen GmbH: State lottery operator for Hesse running draw-based lottery, Keno, and instant-win formats. Comparable as another German state lottery incumbent with similar regulatory framework, though serving a different regional market and lacking the savings-product bundling that defines VR-GewinnSparen.
• Lotto Bayern (Staatliche Lotterie- und Spielbankenverwaltung): Bavaria's state lottery operator and the largest state lottery in Germany by revenue. Comparable as a regional lottery incumbent operating Keno, Lotto 6aus49, and additional draw-based games with similar prize-pool economics, though state-owned rather than cooperative-bank-distributed.

Broad incumbents

• Lotto Baden-Württemberg GmbH: State-licensed lottery operator in Baden-Württemberg running Lotto 6aus49, Eurojackpot, Keno, and instant-win games. It is a direct comparable in the same regional lottery category but operates as the broader state monopoly incumbent rather than a cooperative-bank savings-lottery hybrid.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/gewinnsparen-baden-w%C3%BCrttemberg

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 records

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 Gewinnsparverein der Volksbanken und Raiffeisenbanken in Baden-Württemberg e.V.