Raiffeisenbank Eg Baunatal

What Raiffeisenbank Eg Baunatal does

Raiffeisenbank eG Baunatal is a German cooperative bank (eingetragene Genossenschaft, or registered cooperative) headquartered in Baunatal, Hesse, and founded in 1886. It operates as a member-owned retail and business bank serving the local Baunatal community through physical branches, the Online-Geschäftsstelle digital self-service platform, the VR Banking App, and an online appointment-booking channel. Its customer base is split across private customers (Privatkunden), small and medium-sized business customers (Firmenkunden), and Private Banking clients, with products spanning tiered checking accounts (GiroLite €6.90/month, GiroBest €11.90/month, GiroGold €19.90/month), fee-free children and youth accounts (BabySparen, YoungFinance, GiroBest 18–30), consumer and business lending, brokerage and investment funds, insurance distribution, and corporate pension schemes.

The product portfolio is anchored in core deposit and lending products and extended through partnerships with R+V Versicherung (insurance), Union Investment (funds), TeamBank/easyCredit (consumer credit), and GENO Broker (securities brokerage). Digital features include virtual Mastercard and Visa debit cards integrated with Apple Pay, the meinDepot brokerage offering targeted at younger investors, the MeinPlus Cashback loyalty programme, the RBB Zinssprinter member-exclusive term deposit at 2.4% p.a., and the 'Viele schaffen mehr' community crowdfunding platform. The bank's technology is built around a German cooperative-banking digital platform shared across the Volksbanken und Raiffeisenbanken sector, with accessibility compliance under BFSG, BFSGV, WCAG, and EN 301 549.

Revenue is generated through a combination of monthly account fees on tiered Giro products, net interest income on consumer and business lending (including the Unternehmerkredit up to €100,000, Objektfinanzierung, Investitionskredit, and Gewerblicher Immobilienkredit), commission income from partner-distributed insurance and investment products, and brokerage fees from securities trading. As a cooperative, the institution is owned by its members on a one-member-one-vote basis, with no disclosed parent company, external shareholders, or institutional investor ownership.

Name

Raiffeisenbank Eg Baunatal

Legal name

Raiffeisenbank eG Baunatal

Website

https://rb-baunatal.de

Company type

Private

Founded year

1886

Operating status

Operating

Short description

Raiffeisenbank eG Baunatal is a German cooperative retail and business bank founded in 1886, serving private customers, SMEs, and Private Banking clients in the Baunatal region through branches, a digital self-service platform, and partner-distributed insurance, investment, and credit products.

Ownership category

akta.pro rank

Product category

Retail Banking

NAICS

Savings Institutions and Other Depository Credit Intermediation (522180), Depository Credit Intermediation (5221), Commercial Banking (52211)

SIC

Savings Institutions, Not Federally Chartered (6036)

akta.pro primary industry

Mutual Savings Banks & Mutual Thrifts (FSABAEAD)

akta.pro secondary industries

Mass-Market Consumer Deposit Banking (Checking/Savings) (FSABAAAA), Small Business Banking (Microbusiness/Sole Proprietor) (FSABAAAI), SME Deposits & Business Accounts (Operating, Savings, CDs) (FSABABAC)

Keywords

• Retail banking
• Cooperative banking
• Business lending
• Digital banking
• Investment services

Headquarters

HQ city

Baunatal

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. Account & Banking Fees: Monthly account fees charged across tiered Giro account products (GiroLite €6.90/month, GiroBest €11.90/month, GiroGold €19.90/month). Additional fee income from banking services, card transactions, and overdraft facilities.
2. Interest Income: Core banking interest income from lending products including Unternehmerkredit (up to €100,000), Objektfinanzierung, Investitionskredit, gewerblicher Immobilienkredit, and consumer credit products. Interest-bearing savings products (Sparbuch, SparCard, BabySparen, YoungFinance) and investment products generate additional interest spread income.
3. Investment & Wealth Management Services: Revenue from brokerage services (meinDepot), ETF and fund savings plans, and Private Banking services. Fees from Union Investment fund distribution and securities trading.
4. Insurance & Protection Products: Commission income from insurance product distribution through R+V Versicherung partnerships, and Direktversicherung (company pension) offerings.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels6 records

Core offering

Raiffeisenbank eG Baunatal is a member-owned German cooperative bank offering tiered retail checking accounts, savings products, consumer and business lending, investment/wealth management, insurance brokerage, and digital banking services to private customers, businesses, and private banking clients in the Baunatal region. The bank distributes partner products (insurance, funds, consumer credit, brokerage) through its own multi-channel platform consisting of physical branches, the Online-Geschäftsstelle digital portal, and the VR Banking App.

Product overview

Raiffeisenbank eG Baunatal operates as a German cooperative bank offering a unified suite of banking products and services for both retail and business customers. The product portfolio centers on tiered checking accounts (RBB GiroLite at €6.90/month for basic digital banking, RBB GiroBest at €11.90/month for comprehensive personal guidance, and RBB GiroGold at €19.90/month for premium exclusive services) and specialized savings accounts (RBB BabySparen for children and RBB YoungFinance for adults aged 18-30, both fee-free). The bank complements these core deposit products with an Online-Geschäftsstelle digital platform for self-service transactions, investment services including MeinDepot brokerage account and Top 5 ETF/Fund savings plans, the MeinPlus Cashback loyalty program, and the RBB Zinssprinter savings product at 2.4% p.a. For business customers, the bank provides financing solutions including Unternehmerkredit (up to €100,000), Objektfinanzierung for equipment, Investitionskredit for capital goods, Gewerblicher Immobilienkredit for commercial real estate, plus Firmenkreditkarte corporate cards and Direktversicherung company pension products. The offering also includes crowdfunding through the 'Viele schaffen mehr' platform. The bank integrates payment infrastructure supporting girocard, SEPA transfers, EBICS electronic banking, Apple Pay, and Mastercard/Visa cards.

Differentiator

Problem solved

Functional benefit

Brands

• RBB GiroLite: Cost-effective account for simple, digital banking at 6.90 EUR per month
• RBB GiroBest
• RBB GiroGold
• RBB BabySparen
• RBB YoungFinance
• RBB Zinssprinter
• meinDepot
• MeinPlus Cashback
• Online-Geschäftsstelle

Products and services

• RBB GiroLite

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature5 records

Partnerships

Three partnerships are on record, tiered core.

• R+V VersicherungcoreChannel Partner/ Reseller/ DistributorR+V Versicherung is one of Germany's largest insurance companies and a key insurance product partner for the cooperative banking sector (Volksbanken und Raiffeisenbanken). The bank distributes R+V insurance products to its retail and business customers, generating commission income. Contract cancellation for R+V insurance products is facilitated through the bank's portal.
• TeamBank (easyCredit)coreChannel Partner/ Reseller/ DistributorTeamBank provides consumer credit products (easyCredit) distributed through the bank's platform. The bank acts as a distribution channel for TeamBank's consumer lending products. Contract cancellation for easyCredit loans is handled directly via TeamBank's website.
• Union InvestmentcoreChannel Partner/ Reseller/ DistributorUnion Investment is a leading German asset management company and a key partner for investment fund distribution in the cooperative banking sector. The bank distributes Union Investment fund products (including ETF sparplans) to its customers. Contract cancellation for Union Investment funds is facilitated through Union Investment's website.

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• Targobank AG: Düsseldorf-headquartered consumer and SME bank (subsidiary of Crédit Mutuel group). Comparable as a national-scale retail/SME bank competing for deposits, consumer credit, and small-business banking in the same German customer segments.
• ING-DiBa (ING Deutschland): Germany's largest direct/online bank and a top-three retail deposit franchise. Comparable as a major competitor for retail checking, savings, and consumer lending across Germany — competing through digital channels that overlap with the bank's Online-Geschäftsstelle.
• DKB AG (Deutsche Kreditbank): Munich-headquartered direct bank with a strong online retail and consumer finance proposition. Comparable as a large digital-first bank competing for the same retail customer segments, particularly in deposits and consumer credit.
• Volksbanken Raiffeisenbanken (BVR / DZ BANK Group): The federal association and central institution of the German cooperative banking sector (Volksbanken und Raiffeisenbanken). Comparable as the umbrella organization that defines the shared product infrastructure, IT, and regulatory framework within which Raiffeisenbank eG Baunatal operates.

Direct peers

• Kasseler Sparkasse: Public-law savings bank (Sparkasse) headquartered in Kassel with deep branch presence around Baunatal. Direct head-to-head competitor for retail deposits, SME lending, and local-government banking in the same catchment area under a parallel German retail-banking model.
• Sparda-Bank Hessen eG: Frankfurt-based cooperative bank operating across Hessen offering retail banking to employees of affiliated organizations. Comparable as a Genossenschaftsbank with overlapping digital branch and member-focused positioning in the same state.
• Volksbank Kassel Göttingen eG: A larger cooperative bank serving the same Hessen/Südniedersachsen region including Baunatal. Directly comparable as another eG cooperative offering retail deposits, business lending, and investment services through a similar DZ BANK/Atruvia infrastructure.
• PSD Bank Hessen eG: Frankfurt-based cooperative bank serving public-sector employees and institutions in Hessen. Directly comparable cooperative structure, retail deposit focus, and digital banking offering targeting a defined membership community.

Emerging players

• N26 GmbH: Berlin-based digital-only bank serving German retail customers through mobile-first checking and saving accounts. Comparable as a direct competitor for younger retail customers and primary-banking status, particularly threatening the bank's ability to retain young adult members.
• Revolut Bank UAB (Germany operations): Digital bank with full German retail banking license competing for primary-banking and consumer credit relationships. Comparable as a digitally-native challenger that overlaps with the bank's younger-deposit and consumer-finance ambitions.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks7 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/raiffeisenbank-eg-baunatal

Compliance4 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 Raiffeisenbank Eg Baunatal