VR-Bank Landshut eG

What VR-Bank Landshut eG does

VR-Bank Landshut eG is a German cooperative bank (eingetragene Genossenschaft) headquartered in Landshut, Lower Bavaria, that has merged with VR-Bank Isar-Vils eG to form VR-Bank Landshut-Isar-Vils eG effective January 1, 2026. The combined entity operates 12 branches (Geschäftsstellen), employs approximately 260 staff, serves roughly 50,800 customers, holds 15,100 cooperative members, and reports a combined balance sheet total of 1.965 billion EUR. It serves two principal segments: retail customers (Privatkunden) through accounts, credit, real estate financing, insurance, and investment products; and business customers (Firmenkunden) including Mittelstand, Handwerk, Landwirtschaft, and Freie Berufe, with specialized advisory in agriculture, project business, real estate, and generational consulting.

The product portfolio is organized around five categories — Girokonto & Bezahlen (current accounts, GoldCard, easyCredit up to 75,000 EUR, Wero, mobile payments), Kredit & Finanzieren, Immobilie & Wohnen (Baufinanzierung, Bausparvertrag, KfW-Förderung, supported by digital tools like Finanzierungszertifikat and Budgetrechner), Vorsorge & Versicherung (via R+V and VKB), and Geldanlage & Sparen (VermögenPlus, WachstumsGeld, KündigungsGeld). The technology stack is a standard German cooperative banking platform supplemented by OnlineBanking and the VR Banking App; the bank distributes through cooperative group partners (Bausparkasse Schwäbisch Hall, Union Investment, TeamBank, DZ BANK, R+V, VKB).

The revenue model is a traditional banking mix: net interest income from lending products (mortgages, consumer credit, business loans) combined with fee and commission income from account services, card services, and distribution commissions for insurance, Bauspar, and investment products distributed through its branches. The customer-acquisition model is hybrid: physical branch advisory for complex products (real estate financing, insurance, investment) and digital self-service for routine transactions, underpinned by the cooperative membership model where members are co-owners and participate in governance.

Name

VR-Bank Landshut eG

Legal name

VR-Bank Landshut eG

Website

https://vrla.de

Company type

Private

Operating status

Operating

Headcount range

11–50 employees

Short description

VR-Bank Landshut eG is a German cooperative bank in Lower Bavaria that merged with VR-Bank Isar-Vils eG to form VR-Bank Landshut-Isar-Vils eG, serving roughly 50,800 retail and SME customers across 12 branches with accounts, lending, insurance distribution, and investment products.

Ownership category

akta.pro rank

Product category

Retail Banking

NAICS

Commercial Banking (52211), Credit Unions (522130)

SIC

National Commercial Banks (6021)

akta.pro primary industry

Core Banking & Ledger Systems (Cloud Core, Deposits, Accounts) (FSAGAAAC)

akta.pro secondary industry

Customer Experience & Engagement (CRM, Support, Rewards, Loyalty) (FSAGAAAM)

Keywords

• Retail banking services
• Cooperative banking
• Real estate financing
• Consumer lending
• Savings and investments

Headquarters

HQ city

Landshut

HQ country

Germany

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Interest Income: Traditional banking interest income from lending activities including mortgage financing, consumer credit (easyCredit up to 75,000 EUR), and business loans.
2. Fee and Commission Income: Fees from account management (Girokonto), card services (GoldCard credit card), payment services (SEPA transfers), and investment products (VermögenPlus, Union Investment).
3. Insurance Distribution: Commission income from distribution of insurance products including R+V Versicherung, Allianz, and VKB – Versicherungskammer Bayern through the bank branches.
4. Bauspar Products: Distribution of Bausparkasse Schwäbisch Hall building society products for home savings and financing.

Pricing tiers

Go-to-market motion2 records

Distribution channels5 records

Marketing channels3 records

Core offering

VR-Bank Landshut eG is a regional German cooperative bank providing retail and commercial banking services including current accounts (Girokonto/VR-Hausbankkonto), credit cards (GoldCard), consumer loans (easyCredit up to EUR 75,000), real estate financing (Baufinanzierung, Modernisierungskredit), savings and investment products (VermögenPlus, WachstumsGeld, KündigungsGeld), insurance distribution (R+V Versicherung, Allianz), and digital banking services via OnlineBanking and the VR Banking App. The bank operates 12 branches across Lower Bavaria and serves approximately 50,800 customers with a combined balance sheet total of EUR 1.965 billion following its merger with VR-Bank Isar-Vils eG.

Product overview

VR-Bank Landshut eG is a German cooperative bank (Genossenschaftsbank) that has merged with VR-Bank Isar-Vils eG to form VR-Bank Landshut-Isar-Vils eG. The bank's product portfolio centers on retail and commercial banking services organized around five core product categories: (1) Girokonto & Bezahlen — current account and payment services featuring the VR-Hausbankkonto as the primary home banking account, supplemented by GoldCard premium credit cards, easyCredit instant loans (via TeamBank partnership), and Wero instant payment services; (2) Kredit & Finanzieren — credit products including overdraft facilities; (3) Immobilie & Wohnen — real estate financing encompassing Baufinanzierung, Modernisierungskredit, Anschlussfinanzierung, Bausparvertrag, and KfW-Förderung, supported by digital tools such as Finanzierungszertifikat, FördermittelFinder, Budgetrechner, and Wertermittlungsrechner; (4) Vorsorge & Versicherung — pension and insurance products including Auslandsreise-Krankenversicherung (via R+V partnership); and (5) Geldanlage & Sparen — savings and investment products including VermögenPlus (funds/ETFs), WachstumsGeld, and KündigungsGeld. Additional services include VR-Reisen (travel), Online-Nachhilfe mit ubiMaster (education partnership), Empfängerüberprüfung (IBAN verification), Digitale Identifikation (digital identity), and comprehensive OnlineBanking via the VR Banking App. The bank maintains 12 Geschäftsstellen (branches) across the region and serves approximately 50,800 customers with a combined balance sheet total of 1,965 million euros.

Differentiator

Problem solved

Functional benefit

Brands

• VR-Hausbankkonto: Primary home banking account product with personal benefits, independent package selection, and complete transparency.
• VR-Reisen
• Wero

Products and services

• Girokonto & Bezahlen Current account and payment services including Girokonto (checking account), debit and credit cards (Mastercard/Visa), OnlineBanking, VR Banking App, mobile payments, SEPA transfers, digital identification, and statutory account switching support for retail and business customers.
• VR-Hausbankkonto Primary home banking account product offering personal advantages, independent package selection, and complete transparency for everyday banking needs of private customers.
• GoldCard Premium credit card for demanding customers including numerous additional benefits and services, accepted worldwide. Issued in partnership with DZ BANK.
• easyCredit Instant credit service provided in partnership with TeamBank, offering loans up to 75,000 euros for various financial needs of private customers.
• Kredit & Finanzieren Credit and financing products including Dispokredit (overdraft credit) with interest charged only on used amounts, and loans for unexpected expenses and personal dreams of private customers.
• Immobilie & Wohnen Real estate and housing services including Baufinanzierung (construction financing), Modernisierungskredit (modernization credit), Anschlussfinanzierung (follow-up financing), Bausparvertrag (building savings contract), and KfW-Förderung (government funding programs) for energy-efficient renovations or new construction.
• VermögenPlus Investment product enabling investment in actively managed funds, index funds, and ETFs for wealth building, offered in partnership with Union Investment.
• WachstumsGeld Savings product with tiered interest rates (feste Staffelzinsen) for growth-oriented saving by private customers.
• KündigungsGeld Flexible savings product with adjustable investment duration and attractive interest rates for private customers.
• Auslandsreise-Krankenversicherung Foreign travel health insurance protecting against high treatment costs while traveling abroad, offered in partnership with R+V Versicherung.
• VR-Reisen Travel services offered in partnership with VR-Reisen, providing travel experiences and bookings for bank customers.
• Wero Instant payment service enabling users to send money or pay online within seconds using only a mobile phone number.
• Online-Nachhilfe mit ubiMaster Free online tutoring service offered through partnership with ubiMaster, available to VR-Hausbankkonto Starter account holders and families with school-age children.
• VR-Bank Landshut-Isar-Vils eG (Merged Entity) The merged cooperative bank combining VR-Bank Landshut eG and VR-Bank Isar-Vils eG, serving as 'DIE Bank im Herzen Niederbayerns' (The bank in the heart of Lower Bavaria) with regional roots, personal proximity, and sustainable performance.

Quantifiable outcome

• Higher credit limits for business customers through combined balance sheet strength (1.965 Mrd. Euro)

Named customers5 records

Segments3 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Ten partnerships are on record, tiered core and minor.

• Bausparkasse Schwäbisch HallcoreStrategic or Co-development PartnerStrategic partnership with Bausparkasse Schwäbisch Hall, Germany's largest building society (Bausparkasse), for home savings and mortgage financing products. The bank promotes 'Wahnsinnswohnträume' (amazing housing dreams) campaigns encouraging early saving for homeownership.
• AllianzminorChannel Partner/ Reseller/ DistributorInsurance partner for contract revocation services. Customers can process insurance contract cancellations through the Allianz portal.
• R+V VersicherungcoreChannel Partner/ Reseller/ DistributorPrimary insurance partner of the cooperative banking group. R+V Versicherung is a core partner offering insurance products through the bank's branches. The partnership is part of the Genossenschaftliche FinanzGruppe.
• TeamBank (easyCredit)coreChannel Partner/ Reseller/ DistributorTeamBank provides the easyCredit instant credit product (up to 75,000 EUR) offered through the bank. The bank features this as a key lending product on its homepage.
• Union InvestmentcoreChannel Partner/ Reseller/ DistributorInvestment fund partner offering VermögenPlus and other investment products including actively managed funds, index funds, and ETFs. Part of the cooperative financial group.
• GENO EnergieminorChannel Partner/ Reseller/ DistributorEnergy partner of the cooperative banking group offering contract revocation services for energy products.
• VKB – Versicherungskammer BayerncoreChannel Partner/ Reseller/ DistributorInsurance partner of the Bavarian state insurance chamber (Versicherungskammer Bayern), offering additional insurance products beyond R+V Versicherung as part of the extended insurance offerings post-fusion.
• ubiMasterminorGTM or Marketing PartnerOnline tutoring partnership offering free online tutoring with ubiMaster for customers with VR-Hausbankkonto Starter accounts. An innovative service partnership targeting families with school-age children.
• DZ BANKcoreStrategic or Co-development PartnerDZ BANK is the central institution (Zentralinstitut) of the German cooperative banking sector. It provides capital market expertise, web conferences on capital market developments, and is the issuer of the GoldCard credit card featured by the bank.
• Genossenschaftliche FinanzGruppe Volksbanken RaiffeisenbankencoreStrategic or Co-development PartnerThe bank is an integral part of the nationwide cooperative financial network (Genossenschaftliche FinanzGruppe), which provides shared products, services, technology, and the VR-Bank brand. This network enables the bank to offer comprehensive financial services while maintaining regional identity.

Scale indicators5 records

Recent moves6 records

Expansion highlights5 records

Others

• DZ BANK AG: Central institution (Zentralinstitut) of the German cooperative banking sector and strategic partner of VR-Bank Landshut. Not a direct competitor but provides shared infrastructure, GoldCard issuance, and capital markets services to the cooperative network.

Broad incumbents

• Stadtsparkasse München: Larger Bavarian Sparkasse in Munich offering the same public-sector savings bank model as Sparkasse Landshut, but at metropolitan scale. Comparable product suite with substantially larger balance sheet and digital investment capacity.
• HypoVereinsbank (UniCredit Bank GmbH): Major Bavarian-headquartered universal bank with significant Landshut/Lower Bavaria branch presence. Competes for larger Mittelstand, corporate, and affluent retail customers, offering a much broader product portfolio at scale.

Direct peers

• VR-Bank Isar-Vils eG: The merger partner itself; identical cooperative banking model, identical Lower Bavaria footprint (Vilsbiburg region), and comparable balance sheet size (€1.22B). Functions as a true direct peer pre-fusion and is now part of the combined entity.
• Volksbank Raiffeisenbank Bayern Mitte eG: Mid-sized Bavarian cooperative bank formed through prior Volksbanken/Raiffeisenbanken mergers. Closely comparable in product mix, member-owned governance, and regional Mittelstand focus, with similar balance sheet scale.
• Sparkasse Landshut: Public-sector savings bank (Sparkasse) operating in the same Landshut region with overlapping retail and business customer base. Directly competes for deposits, mortgages, and SME banking relationships in the same geographic corridor.
• Raiffeisenbank Vilsbiburg eG: Smaller local Raiffeisenbank cooperative in the Vilsbiburg area, directly overlapping the Isar-Vils branch territory. Closely comparable in product offering, member-owned model, and Lower Bavaria SME focus.
• VR-Bank Niederbayern-Oberpfalz eG: Adjacent cooperative Volksbanken Raiffeisenbanken in the broader Lower Bavaria/Upper Palatinate region. Operates the same Genossenschaftliche FinanzGruppe model with comparable product portfolio and similar mid-sized regional scale.

Regional players

• Sparkasse Niederbayern-Mitte: Regional Sparkasse in the adjacent Lower Bavaria middle region. Comparable regional bank with full-service retail and commercial offerings, competing in overlapping geographic areas without direct branch overlap.
• Kreissparkasse Kelheim: County savings bank (Landkreis-Sparkasse) neighboring the Landshut region in Lower Bavaria. Offers comparable retail and SME banking services in a nearby geography with similar small-scale regional positioning.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks5 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/vr-bank-landshut-eg

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 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 VR-Bank Landshut eG