Volksbank Konstanz

What Volksbank Konstanz does

Volksbank Konstanz is a regional cooperative bank (eingetragene Genossenschaft) headquartered in Konstanz, Baden-Württemberg, Germany, serving retail customers, small and medium-sized businesses, and private-banking clients across the Lake Constance / Bodensee-Oberschwaben region. Founded in 1862, it is currently executing a merger with Volksbank Bodensee-Oberschwaben eG, with the combined entity positioned within the nationwide Genossenschaftliche FinanzGruppe Volksbanken Raiffeisenbanken network. The institution reports 101–250 employees and operates as a member-owned cooperative under BaFin supervision and the cooperative deposit-protection framework.

The bank's product and service portfolio spans retail banking (Girokonto checking accounts, Festgeld fixed-term deposits at 2.3% p.a. for 25-month terms from €2,500, easyCredit instant consumer loans), digital and payment services (VR Banking App, OnlineBanking portal, Mastercard debit and credit cards issued with DZ Bank, Wero instant payments via the European Payments Initiative, Verification of Payee for businesses, online merchant payments), business banking (Geschäftskonto business accounts, Objektfinanzierung equipment/vehicle financing, Gewerblicher Immobilienkredit commercial real estate lending, Auslandszahlungsverkehr cross-border payments), wealth management (Private Banking and Vermögensverwaltung, run on-site for over 20 years), and real estate services through the proprietary 'Homies' (Immohomies) brand, which handles brokerage and development projects such as Oberhofen in Ravensburg. Technology is delivered via the standard German cooperative banking platform (Atruvia-hosted infrastructure), with no proprietary technology disclosed.

The revenue model is multi-stream and typical of cooperative banking: net interest income from lending (mortgages, consumer, commercial, real estate) and deposit-taking, recurring management and advisory fees from wealth management and private banking, transaction- and commission-based income from card services, insurance distribution, payment services, and real estate brokerage, and fee income from business banking and succession-planning advisory. Distribution is hybrid: an extensive regional branch network (Filialen) combined with self-serve digital channels (VR Banking App, OnlineBanking portal, online appointment booking), with additional product sourcing from cooperative-network partners including DZ Bank, TeamBank, Bausparkasse Schwäbisch Hall, R+V Versicherung, and Mastercard. The bank's go-to-market emphasizes local presence, member-ownership, and in-person advisory alongside digital convenience.

Name

Volksbank Konstanz

Legal name

Volksbank Bodensee-Oberschwaben eG

Website

https://vobakn.de

Company type

Private

Founded year

1862

Operating status

Operating

Headcount range

101–250 employees

Short description

Volksbank Konstanz is a German regional cooperative bank (eG) serving retail, SME, and private-banking customers in the Lake Constance / Bodensee-Oberschwaben area with deposits, lending, payments, wealth management, and real estate services, currently merging with Volksbank Bodensee-Oberschwaben eG.

Ownership category

akta.pro rank

Product category

Retail Banking

NAICS

Commercial Banking (522110), Credit Unions (52213), Savings Institutions and Other Depository Credit Intermediation (52218)

SIC

National Commercial Banks (6021), State Commercial Banks (6022)

akta.pro primary industry

Mutual Savings Banks & Mutual Thrifts (FSABAEAD)

akta.pro secondary industry

Small Business Banking (Microbusiness/Sole Proprietor) (FSABAAAI)

Keywords

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

Headquarters

HQ city

Konstanz

HQ country

Germany

HQ region

Europe

Offices2 records

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. Core Banking Services: Traditional cooperative banking revenue streams including interest income from lending (mortgages, personal loans, commercial loans), deposit taking, payment services, and commission-based services such as card services, insurance products, and investment management.
2. Wealth Management / Asset Management: Professional portfolio management services for private banking clients, generating management fees and potentially performance-based compensation. The bank has offered these services for over 20 years.
3. Real Estate Services: Immobilien services including property financing and the 'Homies' brand for real estate services, generating revenue through mortgage lending and potentially real estate commission.

Pricing tiers

Go-to-market motion1 record

Distribution channels5 records

Marketing channels4 records

Core offering

Volksbank Konstanz is a regional German cooperative bank providing retail and business banking services, including checking accounts (Girokonto, Geschäftskonto), fixed-term deposits (Festgeld), Mastercard debit and credit cards, consumer and commercial loans (easyCredit, Gewerblicher Immobilienkredit, Objektfinanzierung), wealth management (Private Banking, Vermögensverwaltung), real estate brokerage (Homies brand), and digital payment services (Wero, Online-Bezahlung, Auslandszahlungsverkehr). The bank serves both individual consumers and small-to-medium businesses in the Bodensee-Oberschwaben region through a hybrid branch and digital channel model.

Product overview

Volksbank Bodensee-Oberschwaben eG (operating as Volksbank Konstanz following fusion) operates as a regional cooperative bank offering a comprehensive suite of banking products and services through multiple channels. The product portfolio spans retail banking (Girokonto, Festgeld, easyCredit instant loans), digital banking (VR Banking App, OnlineBanking portal), payment services (Mastercard debit/credit cards, Wero instant payments, Online-Bezahlung), business banking (Geschäftskonto, Objektfinanzierung, Gewerblicher Immobilienkredit, Auslandszahlungsverkehr, Verification of Payee), wealth management (Private Banking, Vermögensverwaltung), and real estate services (Immobilienvermittlung). The bank serves both retail customers and business clients, with the VR Banking App serving as the primary mobile interface connecting most services.

Differentiator

Problem solved

Functional benefit

Brands

• Immohomies: Real estate professionals of the Volksbank Bodensee-Oberschwaben who specialize in new approaches to real estate.
• VR Banking App

Products and services

• Festgeld (Fixed-term Deposit) Fixed-term deposit savings product with a guaranteed interest rate, requiring a minimum investment of €2,500 for a 25-month term and offering 2.3% p.a. Aimed at retail customers seeking secure, predictable returns.
• Girokonto (Personal Checking Account) Individual checking account models providing full control over personal finances with various plan options for retail customers (Privatkunden).
• Geschäftskonto (Business Checking Account) Business checking account for companies (Firmenkunden) to manage payments and financial transactions easily.
• VR Banking App Mobile banking and payment application combining traditional banking services, account management, and contactless payment functionality in one app for retail and business customers.
• Mastercard Debit- und Kreditkarten Mastercard-branded debit and credit cards for everyday payments and financial transactions, distributed through DZ Bank as part of the cooperative network.
• easyCredit (Instant Consumer Loan) Instant consumer loan offering immediate financial flexibility with transparent calculation and a quick application process, distributed through TeamBank (easyCredit).
• Wero (Instant Payment Service) European payment service enabling instant money transfers and online payments using only a mobile phone number, integrated into the VR Banking App.
• Online-Bezahlung (Online Payment Acceptance) Online payment solutions offering familiar payment methods for e-commerce customers and businesses accepting digital payments.
• Auslandszahlungsverkehr (International Payments) International payment services processing cross-border payment orders safely and quickly for business customers.
• Empfängerüberprüfung (Verification of Payee / VOP) Payee verification service for businesses to ensure accurate payment recipient identification and reduce payment errors / fraud.
• Objektfinanzierung (Object Financing) Object financing solution for commercial vehicles (Nutzfahrzeug), machinery, or equipment with tailored financing options for business customers.
• Gewerblicher Immobilienkredit (Commercial Real Estate Loan) Commercial real estate loan enabling investment in properties with access to state promotional funding for business customers.

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Six partnerships are on record, tiered core and major.

• Volksbank KonstanzcoreStrategic or Co-development Partner · 1 January 2025Volksbank Bodensee-Oberschwaben eG is undergoing a fusion (merger) with Volksbank Konstanz. This represents a strategic consolidation of two regional cooperative banks in the Lake Constance area. Information about the fusion is available on the website including the agenda for the virtual Vertreterversammlung (representative assembly).
• Genossenschaftliche FinanzGruppe Volksbanken RaiffeisenbankencoreStrategic or Co-development PartnerThe bank is an integral part of the nationwide German cooperative banking network (Genossenschaftliche FinanzGruppe). This network provides shared services, product infrastructure, brand identity, risk management, and access to products from network partners including DZ Bank, Bausparkasse Schwäbisch Hall, R+V Versicherung, and others.
• DZ Bank (Deutsche Zentral-Genossenschaftsbank)majorTechnology or IntegrationDZ Bank serves as the central institution for cooperative banks in Germany, providing wholesale banking services, product development (credit cards such as Mastercard), and financial market access. The bank offers DZ Bank-branded products including credit cards.
• TeamBank (easyCredit)majorChannel Partner/ Reseller/ DistributorTeamBank provides the easyCredit instant credit product which is distributed through the bank's branch and digital channels. easyCredit offers consumer loans with flexible financing options.
• MastercardmajorTechnology or IntegrationMastercard provides debit and credit card payment infrastructure. The bank offers Mastercard-branded cards through its card services, enabling domestic and international card payments.
• Wero (European Payments Initiative)majorTechnology or IntegrationWero is the instant payment solution of the European Payments Initiative (EPI), integrated into the VR Banking App. It enables instant money transfers using phone numbers and online payments, positioning the bank at the forefront of European payment innovation.

Scale indicators1 record

Recent moves7 records

Expansion highlights5 records

Direct peers

• Volksbank Freiburg eG: A regional cooperative bank in Baden-Württemberg serving retail, corporate, and private banking clients in the Freiburg/Breisgau region. Closely comparable given shared cooperative ownership structure, similar product catalogue (deposits, lending, wealth management), and same statewide regulatory and network framework.
• Volksbank Hellweg eG: A regional Volksbank in North Rhine-Westphalia serving retail, corporate, and private banking clients. Comparable as another member-bank of the Genossenschaftliche FinanzGruppe with similar cooperative governance, product breadth, and branch-based regional distribution.
• Volksbank RheinAhrEifel eG: A regional cooperative bank in Rhineland-Palatinate offering retail, business, and private banking under the same Genossenschaftliche FinanzGruppe framework. Comparable as a similarly structured German Volksbank of similar scale with multi-branch regional presence and integrated wealth management.
• Sparkasse Bodensee: The local savings bank in the Bodensee region offering retail and business banking services. Directly comparable as a regional deposit-taking institution serving overlapping customer segments in the same geography, competing for the same retail and SME relationships.
• Volksbank Raiffeisenbank Meißen eG: A regional cooperative bank in Saxony offering retail, business, and private banking within the Genossenschaftliche FinanzGruppe. Comparable as a similarly structured German Volksbank of similar scale serving a defined regional catchment with full-service cooperative banking.
• Volksbank Stuttgart eG: A regional cooperative bank (eingetragene Genossenschaft) serving retail, business, and private banking customers in the Stuttgart region of Baden-Württemberg. Directly comparable as a similarly sized Volksbank within the same Genossenschaftliche FinanzGruppe network, offering the same cooperative ownership model and full-service banking product set.
• Sparkasse Konstanz: The local savings bank serving the Konstanz area with retail, business, and municipal banking services. Directly comparable as the principal public-sector banking competitor in the same geography, with overlapping product offerings in deposits, lending, and wealth advisory.

Broad incumbents

• Deutsche Bank AG: Germany's largest universal bank with retail, wealth, commercial, and investment banking divisions. Comparable as an incumbent offering overlapping retail and private banking products, though at far greater scale and with broader geographic reach than Volksbank Konstanz.
• DZ Bank AG: The central institution of the German cooperative banking sector, acting as wholesale bank and product factory for the Genossenschaftliche FinanzGruppe (of which Volksbank Konstanz is a member). Comparable as the network-level provider of credit cards, capital markets, and product infrastructure that Volksbank Konstanz distributes through its branches.
• Commerzbank AG: A major German universal bank with significant retail, SME, and private banking operations. Comparable as a broad incumbent competing for the same retail deposit, SME lending, and private banking relationships across Germany.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/volksbank-konstanz

Revenue estimate

Valuation estimate

Number of profiles

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 Volksbank Konstanz