Volksbank Hohenlohe eG (vobaholo)

What Volksbank Hohenlohe eG (vobaholo) does

Volksbank Hohenlohe eG is a German cooperative bank (eingetragene Genossenschaft) founded in 1843 and headquartered in Öhringen, Baden-Württemberg, serving the Hohenlohe region including Künzelsau, Heilbronn, and Schwäbisch Hall. It operates with between 251 and 500 employees under a member-ownership model in which account holders are cooperative members (Mitglieder) with governance rights, and the institution holds no parent company and is not listed.

The product portfolio combines retail banking (Girokonto, Festgeld, savings), consumer credit (TeamBank easyCredit), business banking (corporate financing, Auslandszahlungsverkehr, EBICS), private banking and family office services (COMES Family Office), and real estate services through wholly owned subsidiaries Volksbank Immobilien GmbH (brokerage) and Comfort Hausverwaltung GmbH (WEG property management). Distribution is hybrid: a regional branch network plus the cooperative network's shared VR Banking App and Online-Banking Portal, with payment integrations covering girocard, Mastercard/Visa, Apple Pay, SEPA, and the Wero European payment functions.

Revenue is generated from net interest income on loans and mortgages, account and transaction fees, commission from distribution of Union Investment funds and R+V Versicherung insurance products, and real estate brokerage and management fees from the subsidiaries. Strategic partners include Union Investment, R+V Versicherung, TeamBank (easyCredit), GENO Broker, and GENO Energie. Specific pricing is not publicly disclosed. The bank carries a 4.7/5 customer satisfaction rating on eKomi across 1,461 reviews and operates under a BFSG/WCAG-compliant website. No acquisitions, funding rounds, or leadership changes are disclosed; growth has been organic and incremental.

Name

Volksbank Hohenlohe eG (vobaholo)

Legal name

Volksbank Hohenlohe eG

Website

https://vb-hohenlohe.de

Company type

Private

Founded year

1843

Operating status

Operating

Headcount range

251–500 employees

Short description

Volksbank Hohenlohe eG is a German cooperative bank founded in 1843 serving retail, business, real estate, and private banking customers across the Hohenlohe region via a branch network, shared VR Banking App, and real estate and family office subsidiaries.

Ownership category

akta.pro rank

Product category

Retail Banking

NAICS

Savings Institutions and Other Depository Credit Intermediation (522180), Portfolio Management and Investment Advice (523940)

SIC

Savings Institutions, Not Federally Chartered (6036), Investment Advice (6282)

akta.pro primary industry

Mutual Savings Banks & Mutual Thrifts (FSABAEAD)

akta.pro secondary industries

Ultra-High-Net-Worth (UHNW) Private Banking (FSABADAA), Employee Benefit & Retirement Plan Trust Services (FSAAANAC)

Keywords

• Retail banking services
• Corporate lending
• Private banking
• Digital banking
• Cooperative banking

Headquarters

HQ city

Öhringen

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 revenue from interest on loans, mortgages, and credit facilities extended to retail and business customers
2. Account and Transaction Fees: Fees from giro account management, payment transactions, card services, and digital banking services
3. Investment and Insurance Products: Commission revenue from sale of investment products (Union Investment), insurance products (R+V Versicherung), and credit products (TeamBank easyCredit)
4. Real Estate Services: Revenue from subsidiary Volksbank Immobilien GmbH through property sales, purchases, rentals, and property management services

Distribution channels5 records

Marketing channels6 records

Core offering

Volksbank Hohenlohe eG operates as a regional cooperative bank offering retail current accounts, savings and fixed-term deposits, consumer and business lending, investment funds, insurance distribution, and digital banking through the Online-Banking Portal and VR Banking App. It also provides real estate brokerage, property management, and family-office wealth management through wholly-owned subsidiaries serving private and business customers in the Hohenlohe region.

Product overview

Volksbank Hohenlohe eG is a German cooperative bank (Volksbank) operating in the Hohenlohe region. The product portfolio consists of a unified digital banking platform combining Online-Banking Portal and VR Banking App as the core digital channels, supported by traditional banking products including Girokonto (current accounts), Festgeld (fixed-term deposits), and lending products. The bank offers easyCredit instant loans through TeamBank partnership, and investment services through Union Investment's UnionDepot including the JuniorDepot for children's savings. Business banking services include specialized financing products, international payment services (Auslandszahlungsverkehr), and business insurance through R+V Versicherung. Premium services include Private Banking with COMES Family Office for generational wealth management. Real estate services are provided through the subsidiary Volksbank Immobilien GmbH, while Comfort Hausverwaltung handles property management. The bank integrates with various payment systems including girocard, Mastercard/Visa, Apple Pay, SEPA, and EBICS, and offers digital services through partner platforms GENO Broker, GENO Energie, and Union Investment.

Differentiator

Problem solved

Functional benefit

Products and services

• Online-Banking Portal
• VR Banking App
• Girokonto
• Festgeld
• easyCredit
• JuniorDepot im UnionDepot
• Private Banking
• Banking für Firmenkunden
• Finanzierung: Produkte
• Versicherungsprodukte für Firmenkunden
• Auslandszahlungsverkehr
• Volksbank Immobilien GmbH
• Comfort Hausverwaltung GmbH
• COMES - Family Office
• Immobilienvermittlung
• Mastercard/Visa Karten
• Digitale girocard (Debitkarte)

Quantifiable outcome

• 4.7/5 customer satisfaction rating based on 1461 total reviews

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration12 records

Feature4 records

Partnerships

Five partnerships are on record, tiered supporting and core.

• GENO BrokersupportingTechnology or IntegrationFinancial data and securities trading platform partner for the Volksbanken group. Provides brokerage services integrated with online banking.
• GENO EnergiesupportingChannel Partner/ Reseller/ DistributorEnergy product distribution partner for the cooperative banking group. Offers energy contracts that can be managed through the bank's platform.
• R+V VersicherungcoreChannel Partner/ Reseller/ DistributorPrimary insurance partner of the Volksbanken Raiffeisenbanken cooperative group. Offers comprehensive insurance products including property, liability, life, and business insurance.
• TeamBank (easyCredit)coreChannel Partner/ Reseller/ DistributorConsumer credit partner offering instant loans (Sofortkredit). easyCredit product is prominently featured as a primary lending product on the bank's website.
• Union InvestmentcoreChannel Partner/ Reseller/ DistributorInvestment fund partner for the cooperative banking group. Offers securities and investment products including the UnionDepot with JuniorDepot child savings option.

Scale indicators1 record

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• DZ Bank AG: Central institution of the Volksbanken Raiffeisenbanken cooperative group; provides wholesale banking, product manufacturing, and IT infrastructure that Volksbank Hohenlohe relies on for its product shelf and digital channels.
• Commerzbank AG: Major German universal bank with significant Mittelstand, retail, and private banking franchises; competes for the same corporate and affluent customers but at much larger scale.

Direct peers

• Volksbank Stuttgart eG: Another regional Volksbank cooperative bank in Baden-Württemberg with a comparable retail/corporate/private banking product mix, partner stack (Union Investment, R+V, TeamBank), and member-owned governance model.
• Volksbank Rhein-Neckar eG: Mid-sized regional cooperative bank in Baden-Württemberg serving retail, business, and private banking customers through branch and digital channels — directly comparable in scope and product offering to Volksbank Hohenlohe.
• Kreissparkasse Heilbronn: Public-sector savings bank operating in the same Hohenlohe/Heilbronn geography with overlapping retail, SME, and real-estate-finance services; closest non-cooperative geographic competitor.
• ING-DiBa AG: Direct bank and one of the largest retail deposit-takers in Germany; competes directly for girokonto, savings, and consumer credit customers via a digital-only model that pressures branch-based cooperative economics.
• Sparkasse Hohenlohekreis: Local savings institution directly competing for retail and SME customers within the Hohenlohekreis; most direct geographic competitor given overlapping branch footprint.
• VR-Bankverein Bad Hersfeld-Rotenburg eG: Comparable-sized cooperative Volksbank/VR-Bank in a similarly structured rural German region with the same Union Investment / R+V / TeamBank partner stack — useful benchmark for member economics and asset base.
• Sparda-Bank Baden-Württemberg: Cooperative retail bank serving Baden-Württemberg with a similar girokonto-led value proposition and member orientation; competes for the same regional retail customers.

Regional players

• Baden-Württembergische Bank (BW-Bank): State-owned Landesbank of Baden-Württemberg with strong retail and SME franchise across the same federal state; comparable customer segments but different ownership structure.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/vbhohenlohe
• LinkedInlinkedin.com/company/volksbank-hohenlohe

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Subsidiaries3 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 Volksbank Hohenlohe eG (vobaholo)