Volksbank Raiffeisenbank Dachau Eg

What Volksbank Raiffeisenbank Dachau Eg does

Volksbank Raiffeisenbank Dachau eG is a German cooperative bank (eingetragene Genossenschaft, eG) headquartered at Augsburger Straße 33-35, Dachau, Bavaria. Founded in 1913 under the cooperative banking tradition, it serves retail customers (Privatkunden), business customers (Firmenkunden), and younger customers through the #GenerationZUKUNFT initiative. The bank is member-owned, with 34,924 members holding voting rights and a preferential €4.95/month Girokonto subscription (vs €5.95 for non-members). Operations are delivered through a hybrid model combining 18 physical branch offices (Geschäftsstellen), an in-house KundenServiceCenter, the OnlineBanking web portal, and the VR Banking App, supported by 385 employees.

The product portfolio centers on the Girokonto (with a price guarantee to 31 December 2027 and 60 free transactions) and extends into lending (consumer credit, mortgages, overdrafts via TeamBank easyCredit), cards (Mastercard, Visa, girocard), the Wero instant payment system (provided by DZ BANK), savings and investment products (Union Investment funds, GENO Broker securities), insurance distribution (Allianz, R+V Versicherung, VKB – Versicherungskammer Bayern), wealth management (Vermögensverwaltung), real estate brokerage (Immobilienvermittlung), and a savings-with-lottery product (Gewinnsparen). Technical infrastructure is standard cooperative-banking stack: SEPA credit transfers and direct debits, EBICS for business customers, Mastercard/Visa authentication, girocard, and Apple Pay integration through virtual cards. No external developer API or SDK is exposed.

Revenue is generated through account maintenance subscriptions, transaction fees, net interest from lending, and commissions from partner insurance and investment product distribution across the Genossenschaftliche FinanzGruppe ecosystem. Distribution combines direct in-branch advisory with digital self-service onboarding and an account switching service (Kontowechselservice). Community engagement is reinforced through events such as the annual VRun Dachau running event (12th edition in 2026, co-organized with ASV Dachau), regional roadshows, and the DZ BANK Webkonferenz capital-markets series. The bank operates exclusively in the Dachau region of Bavaria, with no disclosed M&A, expansion outside the catchment, or funding activity.

Name

Volksbank Raiffeisenbank Dachau Eg

Legal name

Volksbank Raiffeisenbank Dachau eG

Website

https://vr-dachau.de

Company type

Private

Founded year

1913

Operating status

Operating

Short description

Volksbank Raiffeisenbank Dachau eG is a member-owned German cooperative bank serving retail, business, and young customers in the Dachau region of Bavaria through 18 branches, OnlineBanking, and the VR Banking App, offering accounts, lending, cards, insurance, investments, and wealth management.

Ownership category

akta.pro rank

Product category

Retail Banking

NAICS

Credit Unions (52213), Commercial Banking (52211)

SIC

Functions Related To Depository Banking, Nec (6099)

akta.pro primary industry

SME Deposits & Business Accounts (Operating, Savings, CDs) (FSABABAC)

akta.pro secondary industries

Account & Balance Services (Operating accounts, statements, eBAM) (FSABAIAD), Deposit Operations (Account Maintenance, Fees, Reconciliations) (FSABALAE)

Keywords

• Cooperative retail banking
• Consumer lending products
• Wealth management advisory
• Real estate brokerage
• Digital payment services

Headquarters

HQ city

Dachau

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. Account Management Fees: Monthly account maintenance fees for Girokonto (€4.95/month for members, €5.95/month for non-members) with price guarantee until 31.12.2027. Includes 60 free transactions.
2. Credit and Lending Services: Interest income from consumer loans, mortgages (Immobiliar-Verbraucherdarlehen), and credit facilities for retail and business customers.
3. Banking Transaction Fees: Transaction-based fees from payment services, card transactions, and other banking operations.
4. Insurance and Financial Product Commissions: Revenue from partnerships with insurance providers including Allianz, R+V Versicherung, VKB, and investment firms including Union Investment through product distribution.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels4 records

Core offering

Volksbank Raiffeisenbank Dachau eG is a cooperative bank that offers retail and business banking products including current accounts (Girokonto), debit and credit cards (Mastercard, Visa, girocard), consumer loans and mortgages, savings and investment products, insurance distribution, real estate brokerage, and wealth management. Banking services are delivered through 18 physical branches, an OnlineBanking portal, and the VR Banking App, supported by an in-house customer service center and payment integrations such as Wero, Apple Pay, SEPA, and EBICS.

Product overview

Volksbank Raiffeisenbank Dachau eG is a German cooperative bank offering a unified banking platform centered on the Girokonto (current account) with associated digital banking services (Online-Banking, VR Banking App). The product portfolio comprises core banking products (Girokonto, debit/credit cards via Mastercard and Visa, girocard, Wero payment service), lending and financing products, savings and investment products (including Union Investment funds), real estate services, insurance products (via Allianz, R+V, VKB), and wealth management. The bank operates 18 branch locations serving 34,924 members under a cooperative structure that emphasizes regional commitment and community engagement, including events like the VRun Dachau running event.

Differentiator

Problem solved

Functional benefit

Products and services

• Girokonto (Current Account) Current account product for retail customers offering online account opening, monthly account management, 60 free transactions, and access to Online-Banking and Mobile Banking.
• Online-Banking Digital banking platform enabling customers to manage accounts, conduct transactions, submit payment requests, and access banking services via web portal with secured authentication.
• VR Banking App Mobile banking application enabling account management, payments, and banking transactions on smartphones and tablets with secured authentication.
• Debit and Credit Cards (Mastercard) Mastercard debit and credit card products offered by the bank, with special conditions for virtual cards in Apple Pay and secured authentication for internet payments.
• girocard (Debit Card) Domestic German debit card linked to the girocard system of Deutsche Kreditwirtschaft, enabling cash withdrawals at ATMs and payments at participating merchants.
• Wero Payment Service Payment function provided by DZ BANK enabling peer-to-peer payments and merchant payments, with promotional campaigns at partner retailers.
• Loans and Financing (Kredite und Finanzierung) Loan and financing products including consumer credit, real estate financing (Immobiliar-Verbraucherdarlehen), and overdraft facilities for retail and business customers.
• Insurance Products (Versicherungen) Insurance products offered through partners including Allianz, R+V Versicherung, and VKB – Versicherungskammer Bayern, covering life, property, and liability protection.
• Wealth Management (Vermögensverwaltung) Asset and wealth management services for private and business customers seeking professional portfolio management and investment advisory.
• Real Estate Services (Immobilienvermittlung) Real estate brokerage and property-related services for customers looking to buy, sell, or finance real estate.
• Savings and Investment Products (Sparprodukte und Geldanlage) Savings accounts, investment funds, and securities trading products, with partners including Union Investment for fund investments and GENO Broker for securities brokerage.
• Account Switching Service (Kontowechselservice) Account switching service enabling customers to easily transfer their banking relationship from another bank, facilitating the complete transfer of standing orders and direct debit mandates.
• Gewinnsparen (Savings with Lottery) Combined savings and lottery product where a portion of savings contributions enters prize drawings, promoted through regional events and roadshows.
• Cooperative Membership (Mitgliedschaft) Cooperative membership (currently 34,924 members) offering participation rights, dividends, and alignment with cooperative values of fairness, transparency, and trust.

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

Integration13 records

Feature4 records

Partnerships

Eight partnerships are on record, tiered core and minor.

• DZ BANKcoreStrategic or Co-development Partner · 9 July 2026DZ BANK is the central institution of the German cooperative banking sector (Genossenschaftliche FinanzGruppe). Partnership includes co-hosting webkonferenzen on capital market developments and providing access to wholesale banking services.
• AllianzminorChannel Partner/ Reseller/ DistributorInsurance partner allowing customers to purchase Allianz insurance products through the bank. Customers can access Allianz insurance and submit contract cancellations through the bank's partner portal.
• R+V VersicherungminorChannel Partner/ Reseller/ DistributorInsurance partner specializing in comprehensive insurance products. Available through the bank's partner network for customer contracts and cancellations.
• TeamBankminorChannel Partner/ Reseller/ DistributorBanking partner offering consumer credit products (easyCredit) through the bank's distribution network.
• Union InvestmentminorChannel Partner/ Reseller/ DistributorInvestment partner providing fund-based investment products and wealth management solutions for customers.
• VKB – Versicherungskammer BayernminorChannel Partner/ Reseller/ DistributorRegional insurance partner offering Bavarian-focused insurance products through the bank's partner network.
• ASV DachauminorGTM or Marketing PartnerAthletics club partner for the annual VRun Dachau running event. The bank organizes this community sports event together with ASV Dachau's athletics department.
• expert.deminorGTM or Marketing PartnerConsumer electronics retailer partnership for Wero payment promotions. Customers receive €10 instant discount when paying with Wero at expert.de.

Scale indicators4 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• Bayerische Landesbank: Bavarian state-owned bank serving corporate, SME, and retail customers with strong regional presence and wholesale capabilities. Comparable banking services operating in the same Bavarian market with broader geographic reach.
• UniCredit Bank AG (HypoVereinsbank): Major German universal bank with strong Bavarian presence (HQ in Munich) serving retail, SME, and wealth management customers. Geographic proximity and overlapping retail/business banking products make it a meaningful regional competitor for high-value customers.
• DZ BANK AG: Central institution of the German cooperative banking sector (Genossenschaftliche FinanzGruppe) and the bank's core wholesale/institutional partner. Provides capital market access, shared product factory, and payment infrastructure (Wero) used across all cooperative banks in the network.
• Commerzbank AG: One of Germany's largest commercial banks serving retail, SME, and corporate customers through nationwide branch and digital channels. Comparable retail product set including accounts, lending, and digital banking at far greater scale.
• ING Deutschland: Major direct bank in Germany offering free/low-cost giro accounts, consumer credit, and savings products at national scale. Competes with cooperative banks on price and digital experience for retail customers across Germany and pressure-tests the cooperative value proposition.

Direct peers

• Sparda-Bank München eG: Bavarian cooperative bank serving the greater Munich area with retail banking products. Member-owned eG structure and similar product breadth (current accounts, lending, insurance distribution) make it a structural peer with overlapping target customer segments.
• Sparkasse Dachau: Local public-sector savings bank serving the same Dachau geography with very similar retail and SME banking products, girocard issuance, and a comparable multi-branch presence. Sparkassen are the most direct competitor to Volksbanken in German regional retail banking.

Emerging players

• Solaris SE: Berlin-based Banking-as-a-Service and embedded finance platform enabling digital banking products. Relevant as both an emerging competitor and a potential partner for digital capabilities, with overlap in payment and account infrastructure categories.
• N26 GmbH: Berlin-based German neobank offering mobile-first retail banking with no physical branches. Targets the same retail customer segment with a digital-only model, putting pricing and customer-experience pressure on traditional cooperative banks like Volksbank Raiffeisenbank Dachau.
• Trade Republic Bank GmbH: Berlin-based German neobroker expanding into full retail banking with savings and payment products. Represents the new wave of digital-first financial services competing for younger cooperative bank customers and threatening traditional deposit gathering.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/volksbank-raiffeisenbank-dachau

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 →

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