Volksbank Ulm-Biberach eG

What Volksbank Ulm-Biberach eG does

Volksbank Ulm-Biberach eG is a German cooperative bank (eingetragene Genossenschaft) headquartered in Ulm, Baden-Württemberg, founded in 1863 and operating across the Ulm-Biberach region. The bank serves three primary customer segments: Privatkunden (retail customers) as its core audience, Firmenkunden (commercial/SME customers), and Private Banking clients, with no publicly disclosed revenue and an employee base of 251–500. Its distribution model is omnichannel, combining a physical Geschäftsstellen branch network with the Online-Banking portal and the VR Banking App, supplemented by an online appointment booking system (Online Terminvereinbarung).

The product portfolio spans current accounts (Girokonto), credit and debit cards including the domestic girocard and a digital girocard variant, consumer and real estate credit, securities trading, and a savings lottery product (Gewinnsparen). Specialized offerings are delivered through a deeply integrated partner stack: Union Investment (funds and wealth management products such as UnionDepots, MeinInvest, VermögenPlus), R+V Versicherung (insurance), Bausparkasse Schwäbisch Hall (building society products), TeamBank/easyCredit (instant consumer credit), GENO Broker (brokerage), and GENO Energie (green energy products). Digital features include Multibanking aggregation, an electronic mailbox (Elektronisches Postfach), the BankingManager add-on, and the Wero instant payment function integrated with the VR Banking App. The bank is also a real estate brokerage (Immobilienvermittlung) and is actively marketing multiple residential development projects (Bauträger) in Illertissen, Achstetten, and Bad Schussenried.

The business model is a hybrid of net interest income from lending, transaction and account fees, and marketplace commissions from partner product distribution. As a cooperative, the bank is owned by its members rather than external shareholders, with profits shared through the cooperative structure, and it operates under the German Cooperative Act (Genossenschaftsgesetz) within the broader Volksbanken Raiffeisenbanken (BVR) cooperative network that supplies shared technology platforms (operated via Atruvia), shared branding, and partner relationships. Governance is exercised through member voting rights, and the bank participates in community initiatives including the BlueOrange-OpenAir festival sponsorship, foundation grants, and regional sponsorship programs to reinforce local market position.

Name

Volksbank Ulm-Biberach eG

Legal name

Volksbank Ulm-Biberach eG

Website

https://www.volksbank-ulm-biberach.de

Company type

Private

Founded year

1863

Operating status

Operating

Headcount range

251–500 employees

Short description

Volksbank Ulm-Biberach eG is a German cooperative bank founded in 1863 serving retail, SME, and private banking customers in the Ulm-Biberach region through branches, online banking, and the VR Banking App, distributing partner products from Union Investment, R+V, Schwäbisch Hall, and TeamBank.

Ownership category

akta.pro rank

Product category

Retail Banking

NAICS

Commercial Banking (522110), Commercial Banking (52211)

SIC

National Commercial Banks (6021)

akta.pro primary industry

Account & Balance Services (Operating accounts, statements, eBAM) (FSABAIAD)

akta.pro secondary industry

Bank Connectivity & Channels (Host-to-host, SWIFT, APIs, EB portals) (FSABAIAF)

Keywords

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

Headquarters

HQ city

Neu-ulm

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, consumer loans, and business loans.
2. Commission and Fee Income: Fees from account management, transactions, card services, and partnership products including insurance, investment funds, and real estate services.
3. Partnership Products Distribution: Revenue from distributing partner products including Bausparkasse Schwäbisch Hall (building society), Union Investment (funds), R+V Versicherung (insurance), and TeamBank/easyCredit (loans).

Go-to-market motion1 record

Distribution channels4 records

Marketing channels4 records

Core offering

Volksbank Ulm-Biberach eG is a German cooperative bank (eingetragene Genossenschaft) offering retail and commercial banking, digital banking, investment, insurance, and financing services. The bank provides current accounts, payment cards (Kreditkarte, girocard), consumer and real estate loans (including the easyCredit instant credit product), securities trading and investment funds (via Union Investment), insurance (via R+V Versicherung), and building society products (via Bausparkasse Schwäbisch Hall), distributed through a regional branch network in the Ulm-Biberach area complemented by online banking and the VR Banking App.

Product overview

Volksbank Ulm-Biberach eG operates as a cooperative bank offering a comprehensive portfolio of retail and corporate banking products. The core offerings include Girokonto (current account), Kreditkarten (credit cards), and the domestic girocard debit system. The bank provides digital services through its Online-Banking platform and VR Banking App, enabling mobile banking, instant payments via Wero, and multibanking aggregation. Credit products span consumer loans through the easyCredit partnership with TeamBank, real estate financing, and investment products via Union Investment. Insurance products are offered through R+V Versicherung partnership, while building society products come via Bausparkasse Schwäbisch Hall. The product architecture combines proprietary banking services with integrated partner products across payments, lending, investment, and insurance.

Differentiator

Problem solved

Functional benefit

Brands

• VR Banking App: Mobile banking application for customers to manage finances, make payments, and access banking services.
• easyCredit

Products and services

• Girokonto (Current Account)

Named customers3 records

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

Seven partnerships are on record, tiered core, minor and flagship.

• Bausparkasse Schwäbisch HallcoreChannel Partner/ Reseller/ DistributorPartnership for building society products and home savings accounts. Customers can access building society services and revoke related contracts through the bank.
• GENO BrokercoreTechnology or IntegrationTechnology integration partner providing financial market data and brokerage services. Customers can manage brokerage-related contracts through the bank.
• GENO EnergieminorChannel Partner/ Reseller/ DistributorEnergy partnership offering green energy products and services. Customers can access energy contracts through the bank's platform.
• R+V VersicherungcoreChannel Partner/ Reseller/ DistributorMajor insurance partner providing comprehensive insurance products including life, property, and liability insurance. Customers can access and manage R+V insurance policies.
• TeamBank (easyCredit)coreChannel Partner/ Reseller/ DistributorConsumer credit partner offering instant loans with flexible repayment options. The bank promotes easyCredit installment loans as part of its credit product lineup.
• Union InvestmentcoreChannel Partner/ Reseller/ DistributorInvestment fund partner providing access to Union Investment's mutual funds, asset management products, and investment services. Customers can access investment products and manage UnionDepots.
• Volksbanken Raiffeisenbanken Cooperative NetworkflagshipStrategic or Co-development PartnerPart of the larger German cooperative banking network (BVR) providing shared services, technology platforms, risk sharing, and brand identity across thousands of cooperative banks in Germany.

Scale indicators1 record

Recent moves6 records

Expansion highlights5 records

Direct peers

• Volksbank Stuttgart eG: Large regional cooperative bank in Baden-Württemberg operating under the same Volksbanken Raiffeisenbanken model. Directly comparable product mix (Girokonto, lending, partner distribution) and member-owned governance structure.
• Volksbank Rhein-Neckar eG: Regional cooperative bank in adjacent Baden-Württemberg geography with similar full-service retail and commercial banking, partner product distribution (Union Investment, R+V), and cooperative membership model.
• Volksbank Freiburg eG: Baden-Württemberg regional Volksbank with overlapping product set, VR Banking App digital channels, and BVR cooperative network membership — directly comparable footprint and customer base.
• Volksbank Allgäu-Oberschwaben eG: Neighboring regional cooperative bank operating in nearby Upper Swabia / Allgäu territory. Highly comparable member-owned cooperative structure, retail/commercial product mix, and partner integrations.
• Volksbank Main-Tauber eG: Mid-sized regional Volksbank in Baden-Württemberg with parallel cooperative governance, full retail banking product line, and similar partner product distribution architecture.
• Sparda-Bank Baden-Württemberg: Cooperative bank serving a defined membership group in Baden-Württemberg. Comparable cooperative structure, retail banking focus, and digital channel strategy.
• Volksbank Alb eG: Smaller regional Volksbank on the Swabian Alb with the same cooperative structure, product set, and reliance on BVR partner products — comparable size and operating model.

Regional players

• Kreissparkasse Biberach: Local savings bank (Sparkasse) operating in the same Biberach geography. Competes head-to-head for retail and SME customers in the bank's core footprint with comparable product offerings.
• Sparkasse Ulm: Public-sector savings bank serving the Ulm area, directly competing for Privatkunden and Firmenkunden with similar deposit, lending, and investment products.

Broad incumbents

• DZ BANK AG: Central institution and primary holding entity of the Volksbanken Raiffeisenbanken cooperative financial network. Provides wholesale banking, product partners, and shared services — directly relevant as the parent network infrastructure.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/VolksbankUlmBiberach
• LinkedInlinkedin.com/company/volksbank-ulm-biberach-eg

Compliance1 record

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 Volksbank Ulm-Biberach eG