Raiffeisenbank Altmuhl-jura Eg

What Raiffeisenbank Altmuhl-jura Eg does

Raiffeisenbank Altmühl-Jura eG is a German cooperative bank (eingetragene Genossenschaft) founded in 1881 and headquartered in Greding, Bavaria. It serves private and business customers across the Altmühl-Jura region through a hybrid distribution model combining multiple physical branches (Geschäftsstellen), a centralized Customer Service Center, the VR Banking App, an OnlineBanking portal, an Online-Geschäftsstelle digital branch, WhatsApp support, and TeamViewer-based remote assistance. The product portfolio is built around core current accounts (Girokonto for retail, Geschäftskonto for SMEs) and modular add-ons: Mastercard debit/credit cards (via DZ BANK), easyCredit instant loans (TeamBank), Bausparvertrag (Schwäbisch Hall), Riester-Rente and retirement depot (Union Investment), Wertpapierdepot (GENO Broker), VR-Termingeld, Bargeldlos Kassieren payment acceptance (VR Payment), and Gruppen-Unfallversicherung (R+V). Wero instant payments and virtual card support for Apple Pay extend the payments stack.

The bank operates within the broader Volksbanken Raiffeisenbanken cooperative network, leveraging DZ BANK as its central institution for cards and technology infrastructure, which allows it to offer nationwide-capable products while retaining regional autonomy. Revenue is generated from three primary streams: interest income on loans, mortgages, and credit facilities (subscription/recurring); commission and fee income from account maintenance, cards, and transactions (transaction fees); and distribution commissions from partner investment, insurance, and credit products (subscription/recurring). Pricing is not publicly disclosed; product terms are handled through consultation or the customer portal. The entity also maintains a strategic partnership with Stromversorgung Greding, a regional energy provider serving the Altmühl-Jura area, and operates Immobilienvermittlung (real estate brokerage) as an adjunct service. The bank employs 101-250 staff, holds no external parent, and is member-owned with no disclosed private equity or venture capital involvement.

Name

Raiffeisenbank Altmuhl-jura Eg

Legal name

Raiffeisenbank Altmühl-Jura eG

Website

https://raiba-aj.de

Company type

Private

Founded year

1881

Operating status

Operating

Headcount range

101–250 employees

Short description

Raiffeisenbank Altmühl-Jura eG is a regional German cooperative bank serving private and business customers in the Altmühl-Jura region of Bavaria with retail and corporate banking, lending, investment, insurance distribution, and digital banking services via branches and the cooperative Volksbanken Raiffeisenbanken platform.

Ownership category

akta.pro rank

Product category

Retail Banking

NAICS

Commercial Banking (52211), Commercial Banking (522110)

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

• Cooperative banking services
• Retail banking products
• Business current accounts
• Consumer lending services
• Regional savings bank

Headquarters

HQ city

Greding

HQ country

Germany

HQ region

Europe

Offices2 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Interest Income: Core banking revenue from interest margins on loans, mortgages, and credit facilities extended to retail and business customers.
2. Commission and Fee Income: Account maintenance fees, transaction fees, card fees, securities brokerage commissions, and insurance product commissions through partnership arrangements.
3. Investment Products: Distribution of investment products including Wertpapierdepot (securities custody), Bausparvertrag (building society savings), and Riester-Rente through partner platforms.

Go-to-market motion1 record

Distribution channels4 records

Marketing channels1 record

Core offering

Raiffeisenbank Altmühl-Jura eG is a German cooperative bank (eingetragene Genossenschaft) that provides retail and business banking services in the Altmühl-Jura region of Bavaria. Its offering spans current accounts, debit and credit cards, consumer and business loans, savings and term deposits, securities custody, building society contracts, retirement products, insurance, and real estate brokerage, supported by an online banking portal, a digital branch (Online-Geschäftsstelle), and the VR Banking App.

Product overview

Raiffeisenbank Altmühl-Jura eG operates as a cooperative regional bank offering a comprehensive banking platform with both core account services and modular add-on products. The core offering includes Girokonto for private customers and Geschäftskonto for business customers, accessible through OnlineBanking and the Online-Geschäftsstelle digital platforms. The product portfolio spans credit products (easyCredit instant loans, Investitionskredit), savings and investment products (Bausparvertrag, Firmentagesgeld, VR-Termingeld, Wertpapierdepot), payment solutions (Mastercard debit/credit cards, Bargeldlos Kassieren, Wero instant payments), insurance products (Gruppenunfallversicherung via R+V), and retirement planning (Riester-Rente). The bank also provides remote support services via TeamViewer and operates the Stromversorgung Greding energy subsidiary as a strategic partnership.

Differentiator

Problem solved

Functional benefit

Brands

• Stromversorgung Greding: Energy provider serving the entire Altmühl-Jura region for sustainable energy future

Products and services

• Girokonto

Named customers1 record

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration6 records

Feature4 records

Partnerships

Nine partnerships are on record, tiered minor and core.

• AllianzminorChannel Partner/ Reseller/ DistributorInsurance partner for contract cancellation referrals. When customers have insurance contracts with Allianz, they can process cancellations through Allianz's own portal.
• GENO BrokerminorChannel Partner/ Reseller/ DistributorInvestment platform partner providing securities custody and trading services. Accessible via the bank's website customer portals.
• R+V VersicherungminorChannel Partner/ Reseller/ DistributorInsurance partner for contract cancellation and insurance products including Gruppen-Unfallversicherung (group accident insurance) offered to business customers.
• TeamBank (easyCredit)coreChannel Partner/ Reseller/ DistributorConsumer credit partner providing the easyCredit instant loan product. The bank promotes easyCredit as a Sofortkredit (instant credit) with financial flexibility. Customers can access the Kundenportal for easyCredit management.
• Union InvestmentminorChannel Partner/ Reseller/ DistributorInvestment fund partner for contract cancellation referrals. Provides fund-based investment products through the bank's advisory services.
• Schwäbisch HallminorChannel Partner/ Reseller/ DistributorBuilding society partner for Bausparvertrag (building savings contracts) and home financing products. Linked via customer portal for account management.
• Stromversorgung GredingminorStrategic or Co-development PartnerRegional energy provider for the Altmühl-Jura area. The bank hosts information about this utility company, positioning itself as supporting sustainable energy in the region.
• DZ BANKcoreTechnology or IntegrationCentral institution of the cooperative banking sector in Germany. Provides debit and credit card services (Mastercard), payment infrastructure, and banking technology platforms including VR Banking App.
• WerocoreTechnology or IntegrationEuropean instant payment solution supported by the cooperative banking network. Enables quick money transfers and online payments using mobile phone numbers.

Scale indicators1 record

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• ING-DiBa AG: Germany's largest direct bank, offering retail current accounts, consumer credit, and investment products without a branch network. Competes with the bank for retail and SMB deposits and credit in the same German market via a digital-first model.
• DZ BANK AG Deutsche Zentral-Genossenschaftsbank: Central institution of the German cooperative banking sector, acting as the umbrella for all Volksbanken Raiffeisenbanken. Supplies payment infrastructure, card products, and treasury services to the bank; broader incumbent in the same cooperative ecosystem.

Others

• TeamBank AG (easyCredit): Core cooperative-network partner that supplies the easyCredit consumer loan product distributed by the bank. Ecosystem participant whose product is central to the bank's retail credit offering.

Regional players

• Kreissparkasse Greding (Sparkasse im Landkreis Roth): Local savings bank serving the broader Altmühl-Jura catchment area. Comparable regional competitor for retail and SMB deposits, payments, and lending under the public-sector savings bank model.
• Sparkasse Greding: Local German savings bank serving the same Greding market as a public-sector deposit-taking institution. Directly comparable in retail and SMB banking services and geographic focus, though operating under the savings-bank rather than cooperative model.

Direct peers

• Sparda-Bank Hessen eG: German cooperative bank (eingetragene Genossenschaft) offering retail banking products via cooperative-network infrastructure. Comparable in cooperative governance model, product suite, and member-owned structure.
• GLS Bank eG: Germany's largest cooperative ethical bank, operating under the same eingetragene Genossenschaft structure with retail and SMB banking products. Directly comparable in cooperative governance and product breadth, though differentiated by ethical-banking positioning.
• Raiffeisenbank Bayern Mitte eG: Another Raiffeisenbank in Bavaria operating under the same Volksbanken Raiffeisenbanken cooperative model. Directly comparable in product suite (Girokonto, easyCredit, Bausparen, R+V), customer base (retail + SMB), and regional community focus.
• Volksbank Mittelfranken Mitte eG: Cooperative bank in Middle Franconia, geographically adjacent to the Altmühl-Jura region. Closely comparable in customer base (rural/semi-rural retail and SMB), product mix, and cooperative governance.
• Volksbank Raiffeisenbank Regensburg eG: Regional cooperative bank in Bavaria with similar retail and SMB focus, network of branches, and shared reliance on the BVR partner product stack (DZ BANK, easyCredit, R+V). Direct comparable in business model and customer segments.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights6 records

Customer concentration

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 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 Raiffeisenbank Altmuhl-jura Eg