Volksbank Breisgau Nord Eg

What Volksbank Breisgau Nord Eg does

Volksbank Breisgau Nord eG is a German cooperative bank (eingetragene Genossenschaft) headquartered at Marktplatz 2, Emmendingen, Germany, serving the Breisgau Nord region under the motto 'In der Region für die Region.' The bank is part of the nationwide Volksbanken Raiffeisenbanken cooperative network, which provides shared infrastructure, brand recognition, and deposit guarantee protection. It serves three primary customer segments — private customers (Privatkunden), business customers (Firmenkunden), and wealth management clients (PrivateBanking) — plus an Immobilien (real estate) service line. Customers access services through a hybrid model of regional Geschäftsstellen (branches) for advisory-intensive products and digital channels (OnlineBanking portal, VR Banking App, VR SecureGo plus App, Online Terminvereinbarung) for self-service and routine transactions.

The product portfolio covers retail banking (Girokonto, Festgeld with advertised rates up to 2.45% p.a., WachstumsSparen, Gewinnsparen, GoldCard premium credit card, JuniorDepot in UnionDepot), business banking (Geschäftskonto, Unternehmerkredit up to €100,000, Auslandszahlungsverkehr international payments, Direktversicherung company pensions, Unternehmensnachfolge succession advisory), and insurance and investment distribution. Underlying technology is the shared Genossenschaftliche Finanzgruppe digital platform (delivered via Atruvia) rather than proprietary in-house banking systems. The bank has no disclosed APIs, SDKs, or MCP integrations and no AI/ML capabilities.

Revenue is generated primarily through net interest margins on loans, mortgages, and deposits; account and transaction fees; and commission/fees from distributing third-party insurance (R+V Versicherung), investment (Union Investment), building society (Bausparkasse Schwäbisch Hall), consumer credit (TeamBank/easyCredit), private banking (DZ PRIVATBANK), and brokerage (GENO Broker) products. The bank is a member-owned mutual with no parent company, no subsidiaries, and no external investment rounds disclosed.

Name

Volksbank Breisgau Nord Eg

Legal name

Volksbank Breisgau Nord eG

Website

https://www.voba-breisgau-nord.de

Company type

Private

Operating status

Operating

Short description

Volksbank Breisgau Nord eG is a regional German cooperative bank headquartered in Emmendingen that serves private customers, SMEs, and wealth management clients in the Breisgau Nord region through a hybrid branch-and-digital model, offering deposits, loans, payments, insurance distribution, and investment products via partnerships within the Volksbanken Raiffeisenbanken network.

Ownership category

akta.pro rank

Headquarters

HQ city

Emmendingen

HQ country

Germany

HQ region

Europe

Offices1 record

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: As a cooperative bank, Volksbank Breisgau Nord eG generates revenue primarily through interest margins on loans, mortgages, and credit facilities provided to retail and business customers. Interest-bearing products include Festgeld (fixed-term deposits), WachstumsSparen (growth savings), and various credit products.
2. Account and Transaction Fees: Fees associated with account maintenance (Girokonto), payment transactions, foreign currency transactions (Auslandszahlungsverkehr), and various banking services.
3. Insurance and Investment Products: Revenue from distribution of insurance products (Versicherungen), investment products (Union Investment), and savings/building society products (Bausparkasse Schwäbisch Hall AG) through partnerships.
4. Wealth Management (PrivateBanking): Advisory and management fees from PrivateBanking services for high-net-worth individuals, including GoldCard premium banking services.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels4 records

Core offering

Volksbank Breisgau Nord eG is a regional cooperative bank providing retail banking (current accounts, savings, fixed-term deposits, personal loans), business banking (business accounts, entrepreneur loans up to €100,000, international payments), wealth management (PrivateBanking, GoldCard), insurance and investment product distribution, real estate brokerage, and business succession advisory. The bank serves private customers, SMEs, and affluent clients across the Breisgau Nord region through physical branches and digital channels including the OnlineBanking portal and VR Banking App.

Product overview

Volksbank Breisgau Nord eG is a German cooperative bank offering a comprehensive portfolio of retail and business banking products. The core offerings include traditional banking services such as current accounts (Girokonto), fixed-term deposits (Festgeld), and savings products (WachstumsSparen, Gewinnsparen). Digital banking is delivered through the VR Banking App and VR SecureGo plus App for mobile transactions and secure authorization, supplemented by OnlineBanking portal access. Business customers are served with dedicated accounts (Geschäftskonto), entrepreneur loans (Unternehmerkredit), international payment services (Auslandszahlungsverkehr), and succession planning advisory (Unternehmensnachfolge). Additional services include insurance products, premium credit cards (GoldCard), and investment offerings including the JuniorDepot for children's savings. The bank operates as a cooperative with membership benefits, combining digital services with physical branch presence across the Emmendingen region.

Differentiator

Problem solved

Functional benefit

Products and services

• OnlineBanking

Quantifiable outcome

• 4.9/5 customer satisfaction rating based on 1553 total reviews on eKomi platform
• +1 more outcomes

Segments4 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Partnerships

Six partnerships are on record, tiered supporting and core.

• GENO BrokersupportingTechnology or IntegrationGENO Broker is a technology partner providing brokerage/investment platform services. Contracts with GENO Broker can be managed through the bank's digital platforms and contract cancellation processes.
• R+V VersicherungcoreChannel Partner/ Reseller/ DistributorR+V Versicherung is a major German insurance company and key product partner. The bank offers R+V insurance products to its customers. Contract cancellations for R+V policies must be processed directly through R+V's portal.
• TeamBanksupportingChannel Partner/ Reseller/ DistributorTeamBank (easyCredit) is a direct bank partner offering consumer credit products. The bank facilitates access to TeamBank's credit products with contract cancellation handled directly through TeamBank.
• Union InvestmentcoreChannel Partner/ Reseller/ DistributorUnion Investment is a leading German asset management company and key investment product partner for the bank. The bank distributes Union Investment funds and products. JuniorDepot in UnionDepot is offered as a savings vehicle for children.
• Bausparkasse Schwäbisch Hall AGcoreChannel Partner/ Reseller/ DistributorBausparkasse Schwäbisch Hall AG is a building society partner offering home savings (Bauspar) products for property financing. The bank integrates these products into its real estate and financing service offering.
• DZ PRIVATBANKsupportingTechnology or IntegrationDZ PRIVATBANK is a private banking service partner within the cooperative banking network, providing additional wealth management capabilities and investment services for PrivateBanking customers.

Scale indicators1 record

Recent moves1 record

Expansion highlights4 records

Direct peers

• Volksbank Freiburg eG: Volksbank Freiburg eG is a directly comparable cooperative bank operating in the same Volksbanken Raiffeisenbanken network and in an immediately adjacent region of Baden-Württemberg, offering retail, business and private banking under the same cooperative legal structure.
• Volksbank Offenburg (Volksbank in der Ortenau eG): Volksbank in der Ortenau eG is a same-network cooperative bank serving a neighboring region of Baden-Württemberg with comparable retail, SME lending, and private banking services — a structurally near-identical regional cooperative peer.
• Volksbank eG Braunschweig Wolfsburg: Volksbank eG Braunschweig Wolfsburg is a similarly sized cooperative bank in the same national network offering an essentially identical product mix — retail accounts, SME credit, real estate finance, and investment distribution through Union Investment.
• Sparda-Bank Baden-Württemberg eG: Sparda-Bank Baden-Württemberg is a regional cooperative bank focused on public-sector and employee clientele in the same federal state — a like-for-like cooperative peer competing for retail deposits and mortgage volume in the same geography.

Broad incumbents

• DZ BANK AG: DZ BANK is the central institution of the Volksbanken Raiffeisenbanken cooperative network, providing wholesale banking, private banking (DZ PRIVATBANK), and product infrastructure that Volksbank Breisgau Nord leverages — making it the most important upstream peer.
• Sparkasse (German savings banks network): Sparkassen are the parallel public-law regional savings bank network in Germany and the closest substitute for retail and SME customers in any given German catchment, including Breisgau Nord — directly competing for the same household and SME deposits and lending.
• Commerzbank AG: Commerzbank is one of Germany's largest private commercial banks with a strong Mittelstand/SME focus — competing with Volksbank Breisgau Nord for the same regional business customers and increasingly for retail deposits via its digital channels.
• Deutsche Bank AG: Deutsche Bank is Germany's largest universal bank and overlaps with Volksbank Breisgau Nord in retail deposits, payments, mortgages, and PrivateBanking/wealth advisory in the broader Baden-Württemberg market.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

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 Volksbank Breisgau Nord Eg