VR meine Bank eG

What VR meine Bank eG does

VR meine Bank eG is a German cooperative bank (eingetragene Genossenschaft) operating under the Volksbanken und Raiffeisenbanken cooperative framework, headquartered in Neustadt an der Aisch, Germany, and operating under the website domain vrmeinebank.de. The bank functions as a member-owned retail and commercial banking franchise within the BVR cooperative network, serving private customers (Privatkunden), small and medium-sized enterprises (Firmenkunden), and private banking clients in its regional catchment area. Its core product portfolio spans current accounts (Girokonto), business accounts (Geschäftskonto), debit and credit cards issued under Mastercard, fixed-term deposits (Festgeld), consumer lending through the easyCredit partnership with TeamBank, business lending up to EUR 100,000 (Unternehmerkredit), online brokerage, and ancillary services including foreign payments, direct insurance, real estate mediation, and business succession advisory.

The technology layer is built on standard cooperative-banking infrastructure: an Online-Banking portal, the VR Banking App for mobile banking and payments, digital girocard with individualized authentication, Mastercard and Visa Debit card issuing, Apple Pay support for virtual cards, and Wero instant-payment functionality for cross-border retail payments. Distribution is hybrid — physical branches (Filialen) plus digital self-service channels (Online-Services portal, online appointment booking) — a model consistent with the broader VR cooperative network rather than a proprietary platform.

Revenue mechanics follow the standard German cooperative bank playbook: net interest income from mortgages, consumer loans, and business lending; fee and commission income from account management, cards, and payment services; distribution commissions on third-party investment products (Union Investment funds) and insurance products (Allianz, R+V Versicherung); referral fees from building society products (Bausparkasse Schwäbisch Hall); and ancillary professional-services revenue from real estate mediation. Membership in the cooperative structure (Teilhaberschaft) provides a recurring dividend-based engagement model with members, reinforcing retention rather than functioning as a traditional growth lever. Specific revenue, asset, deposit, or membership figures are not disclosed in the source data, and the bank is reported with a headcount of five employees, indicating a small operating entity within the broader VR cooperative ecosystem.

Name

VR meine Bank eG

Legal name

VR TeilhaberBank Metropolregion Nürnberg eG

Website

https://vrmeinebank.de

Company type

Private

Operating status

Operating

Headcount range

1–10 employees

Short description

VR meine Bank eG is a member-owned German cooperative bank headquartered in Neustadt an der Aisch, serving retail customers, SMEs, and private banking clients in its regional catchment with checking accounts, lending, cards, payments, and advisory services distributed through branches and digital channels.

Ownership category

akta.pro rank

Product category

Retail Banking

NAICS

Commercial Banking (522110)

SIC

National Commercial Banks (6021)

akta.pro industry

PRIMARYTHALAHAB

Card Issuing & Virtual Cards (lodge cards, single-use, tokenization)

Travel & Hospitality/Travel Technology & Distribution Services/Travel Payments, Fintech & Fraud/Risk (FX, BNPL, Virtual Cards)

Keywords

• Retail banking services
• Cooperative banking
• Consumer lending
• Business banking
• Wealth management

Headquarters

HQ city

Nürnberg

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

Revenue model

1. Interest Income: Traditional banking interest income from lending activities including mortgages (Immobilienfinanzierung), consumer loans (Konsumentenkredite), and business loans (Unternehmerkredit up to 100,000 Euro).
2. Commission and Fee Income: Fees from account management (Girokonto), card services (Debit- and Kreditkarten), international payments (Auslandszahlungsverkehr), and brokerage services (Online-Brokerage).
3. Investment Products: Distribution of investment and savings products including fixed-term deposits (Festgeld), funds through Union Investment partnership, and insurance products through partner Allianz, R+V Versicherung.
4. Insurance Distribution: Referral and distribution of insurance products through direct insurance (Direktversicherung) for occupational pensions and partner companies.
5. Real Estate Services: Real estate mediation (Immobilienvermittlung) and property-related services for new construction projects.

Pricing tiers

Go-to-market motion2 records

Distribution channels5 records

Marketing channels3 records

Core offering

VR meine Bank eG is a German cooperative bank (eingetragene Genossenschaft) that provides a full suite of retail and business banking products and services through both physical branches and digital channels. The bank offers current and business accounts (Girokonto, Geschäftskonto), Mastercard debit and credit cards, fixed-term deposits (Festgeld), consumer credit via easyCredit (TeamBank), business loans up to 100,000 euros (Unternehmerkredit), online securities brokerage, foreign payment services (Auslandszahlungsverkehr), occupational pensions (Direktversicherung via R+V), and business succession consulting (NachfolgeBeratung).

Product overview

VR TeilhaberBank Metropolregion Nürnberg eG is a German cooperative bank offering a comprehensive suite of banking products and services for both retail (Privatkunden) and business (Firmenkunden) customers. The product portfolio includes core banking products such as Girokonto (current account), Geschäftskonto (business account), Debit- und Kreditkarten (debit and credit cards via Mastercard), and Festgeld (fixed-term deposits). Digital services are delivered through the VR Banking App and Online-Services portal, while lending products include easyCredit (instant loan via TeamBank partnership) and Unternehmerkredit (business loans up to 100,000 euros). Investment services are offered through Online-Brokerage for securities trading. For business customers, the bank provides specialized services including Auslandszahlungsverkehr (foreign payments), Direktversicherung (company pension schemes), and NachfolgeBeratung (succession planning). The bank also participates in the Wero payment system and supports Apple Pay integration for mobile payments.

Differentiator

Problem solved

Functional benefit

Products and services

• Girokonto Current account product allowing retail customers to manage daily banking transactions, receive salaries, and make payments, with multiple Girokonto models available.
• Debit- und Kreditkarten Debit and credit card offerings issued under Mastercard enabling cashless payments and cash withdrawals worldwide.
• VR Banking App Mobile banking application combining banking and payment functionality in one app for smartphone users (iOS and Android).
• Festgeld Fixed-term deposit product offering guaranteed interest rates with no rate fluctuations during the agreed investment period.
• easyCredit Instant consumer loan product with flexible financial scope offered in partnership with TeamBank, allowing customers to calculate and conclude loans online.
• Online-Brokerage Online securities trading platform enabling customers to buy and sell stocks and other financial instruments quickly and easily.
• Geschäftskonto Business account designed for business customers to handle payment transactions simply and efficiently.
• Unternehmerkredit Business loan product providing up to 100,000 euros for new plans or deferred projects, supporting entrepreneurs with financing.
• Auslandszahlungsverkehr Foreign payment service enabling safe and fast execution of payment orders beyond national borders.
• Direktversicherung Direct insurance products providing company employees with occupational pension schemes, distributed in partnership with R+V Versicherung.
• NachfolgeBeratung Succession consulting service helping business owners transfer their company within the family or to external buyers, examining all important aspects of the succession process.
• Online-Services Digital service portal available around the clock for account opening, card replacement ordering, loan applications, and investment requests.

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration3 records

Feature5 records

Partnerships

Six partnerships are on record, tiered minor and core.

• AllianzminorGTM or Marketing PartnerInsurance partner for contract withdrawal services. Customers can process insurance contract cancellations directly through the Allianz portal.
• Bausparkasse Schwäbisch HallminorGTM or Marketing PartnerBuilding society partner for savings and home financing products. Withdrawal processing available through partner's dedicated portal.
• R+V VersicherungminorGTM or Marketing PartnerInsurance partner offering withdrawal processing for R+V insurance contracts through their online portal.
• TeamBank (easyCredit)minorGTM or Marketing PartnerDirect banking partner for instant credit products (easyCredit). The bank offers this installment loan product as part of its consumer lending portfolio.
• Union InvestmentminorGTM or Marketing PartnerInvestment partner offering fund-based investment products. Withdrawal processing for Union Investment contracts available through their website.
• MastercardcoreTechnology or IntegrationCard network partner providing debit and credit card infrastructure including Mastercard, Visa Debit, and Apple Pay integration for virtual cards.

Recent moves1 record

Expansion highlights5 records

Market position

Competitive moat4 records

Key risks5 records

Key highlights7 records

Customer concentration

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

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

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 meine Bank eG