Volksbank Hochrhein Eg

Name

Volksbank Hochrhein Eg

Legal name

Volksbank Hochrhein eG

Website

https://volksbank-hochrhein.de

Company type

Private

Founded year

1867

Operating status

Operating

Ownership category

akta.pro rank

Product category

Cooperative Banking

NAICS

Credit Unions (522130), Agencies, Brokerages, and Other Insurance Related Activities (5242), Pension Funds (525110)

SIC

Savings Institutions, Not Federally Chartered (6036), Loan Brokers (6163), Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Mutual Savings Banks & Mutual Thrifts (FSABAEAD)

akta.pro secondary industries

Home Equity & HELOC Intermediaries (FSALABAE), Retirement & Pension Wealth (401(k)/IRA/SIPP/Superannuation Retail) (FSAAAAAJ), Annuity & Insurance-Based Retirement Solutions Advisory (FSAEABAH)

Keywords

• Retail banking services
• Cooperative banking
• Business current accounts
• Mortgage lending
• Wealth management advisory

Headquarters

HQ city

Waldshut-tiengen

HQ country

Germany

HQ region

Europe

Offices2 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Interest Income: Core banking revenue from interest margins on loans, mortgages, and credit products offered to retail and business customers.
2. Account and Transaction Fees: Fees from Girokonto (current accounts), payment processing, and transaction services including international payments.
3. Investment and Wealth Management: Revenue from brokerage services (meinDepot), investment funds, and private banking/wealth management services.
4. Insurance Products: Commission revenue from insurance products through partnerships with R+V Versicherung, Süddeutsche Krankenversicherung, and other insurance partners.
5. Savings and Investment Products: Revenue from savings products (Ratensparbrief, Sparbrief), building finance (Bausparkasse Schwäbisch Hall), and credit products (Unternehmerkredit up to 100,000 EUR).

Go-to-market motion1 record

Distribution channels5 records

Marketing channels5 records

Core offering

Volksbank Hochrhein eG is a regional cooperative bank offering retail and corporate banking products including current accounts, savings products, credit facilities, investment brokerage, insurance brokerage, and wealth management. It serves individual consumers, SMEs, and wealth management clients in the Hochrhein region of Baden-Württemberg near the Swiss border, with specialized services for cross-border commuters to Switzerland.

Product overview

Volksbank Hochrhein eG is a cooperative bank (Volksbank) headquartered in Waldshut-Tiengen offering a comprehensive range of retail and corporate banking products. The core offering includes VR-MEIN Konto (youth checking account) and Girokonto (current accounts) for day-to-day banking, alongside savings products such as VR-Cash online Tagesgeld (daily savings) and Ratensparbrief (installment savings bonds). For investments, meinDepot provides brokerage services for young investors, while the Altersvorsorgedepot and Frühstart-Rente address retirement planning needs. The bank also offers credit products including easyCredit (instant credit via TeamBank) and Unternehmerkredit (business credit up to 100,000 euros). Payment services include Mastercard debit/credit cards, the VR Banking App for mobile banking, and specialized solutions like Grenzgänger Schweiz for cross-border commuters to Switzerland. Business customers are served with Geschäftskonto (business accounts), Auslandszahlungsverkehr (international payments), Direktversicherung (company pension schemes), and Unternehmensnachfolge (business succession advisory). The product portfolio is complemented by the Hausbankmodell loyalty program and Gewinnsparen (savings lottery).

Differentiator

Problem solved

Functional benefit

Products and services

• Girokonto A current account product line with multiple account models enabling retail customers to manage everyday finances, including payment transactions and account management.
• meinDepot A depot and brokerage service designed for young investors to build wealth simply and accessibly through a mobile-first approach.
• VR-Cash online Tagesgeld A daily savings account offering attractive interest rates with full availability of funds at any time, enabling customers to hold money in a flexible, liquid savings product.
• VR-MEIN Konto A free checking account for young customers (free until age 26), providing basic banking services and supporting entry into financial independence.
• Debit- und Kreditkarten (Mastercard) Debit and credit cards issued by Mastercard, enabling customers to make payments and withdrawals domestically and abroad.
• VR Banking App A mobile banking and payment application allowing customers to manage banking and payments in a single app.
• Hausbankmodell A loyalty program where customers collect stars and enjoy benefits by using the bank as their primary bank, rewarding multi-product household relationships.
• easyCredit An instant credit product with financial flexibility, available for immediate calculation and conclusion through partner TeamBank.
• Geschäftskonto Business current accounts for commercial customers to handle payment transactions easily with various account models.
• Unternehmerkredit Business credit facility for new plans or deferred projects, available up to 100,000 euros.
• Auslandszahlungsverkehr International payment services enabling safe and fast processing of payment orders across national borders for business customers.
• Direktversicherung Company pension schemes offered to employees through R+V Versicherung partners.
• Unternehmensnachfolge Competent consulting services for business succession regarding financial and asset-related questions.
• Ratensparbrief An installment savings bond where money is fixedly invested and earns attractive interest rates over a defined term.
• Grenzgänger Schweiz Specialized account solutions and competent advisory services for cross-border commuters to Switzerland, covering financial, tax, and insurance questions.
• Gewinnsparen A combined savings and lottery product where customers win, save, and help charitable causes through a single product.
• Altersvorsorgedepot A retirement savings depot providing new state subsidies for retirement savings, available starting 2027.
• Frühstart-Rente A pension product enabling children to benefit from an early start in retirement planning.

Segments5 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Partnerships

Seven partnerships are on record, tiered core and minor.

• Genossenschaftliche FinanzGruppe Volksbanken RaiffeisenbankencoreStrategic or Co-development PartnerVolksbank Hochrhein eG is a member of the German Cooperative Financial Group (Genossenschaftliche FinanzGruppe Volksbanken Raiffeisenbanken), one of Germany's three major banking groups. This network provides access to shared services, products, and infrastructure including DZ Bank, Bausparkasse Schwäbisch Hall, Union Investment, and R+V Versicherung.
• R+V VersicherungcoreChannel Partner/ Reseller/ DistributorInsurance partner for property, liability, and other insurance products. Contracts can be managed through the bank's online banking portal.
• TeamBankcoreChannel Partner/ Reseller/ DistributorProvider of the easyCredit instant credit product offered through the bank. Part of the cooperative banking network's consumer finance offerings.
• Union InvestmentcoreChannel Partner/ Reseller/ DistributorInvestment fund partner providing mutual funds and wealth management products through UnionDepot services including MeinInvest and VermögenPlus.
• Bausparkasse Schwäbisch HallcoreChannel Partner/ Reseller/ DistributorBuilding savings and home finance partner offering Bausparvertrag products for real estate financing through the cooperative network.
• Süddeutsche Krankenversicherung (SDK)minorChannel Partner/ Reseller/ DistributorHealth insurance partner providing supplemental health insurance products to bank customers.
• DZ BankcoreTechnology or IntegrationCentral institution of the cooperative banking group providing clearing, treasury, and capital market services. Visible in cross-border payment processing and card services (Mastercard campaigns).

Scale indicators2 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Volksbank Stuttgart: Volksbank in Baden-Württemberg covering the Stuttgart metropolitan area with the same cooperative banking model and product portfolio. Slightly larger scale but directly comparable business model.
• Volksbank Rhein-Neckar: Regional cooperative bank in Baden-Württemberg offering the same retail, SME, and wealth management products through the Volksbanken Raiffeisenbanken network. Directly comparable in scale, product mix, and target customer segments.
• Volksbank Plochingen: Small regional cooperative bank in Baden-Württemberg with very similar scale, product portfolio, and customer base. Useful for benchmarking operations and product strategy.
• Volksbank Mittlerer Schwarzwald: Cooperative bank in Baden-Württemberg operating under the same Volksbanken Raiffeisenbanken umbrella with an equivalent product portfolio (Girokonto, savings, mortgages, insurance brokerage). Directly comparable in size and customer profile.
• Volksbank Freiburg: Another German cooperative bank (Volksbank) in Baden-Württemberg offering a similar retail and corporate banking product suite under the Genossenschaftliche FinanzGruppe. Closely comparable business model, geographic region, and customer base of regional SMEs and retail customers.
• Sparda-Bank Baden-Württemberg: Cooperative-style bank in Baden-Württemberg targeting retail and specific affinity groups (public sector, civil servants). Comparable retail banking product mix and regional orientation.
• Volksbank Eifel: Small regional cooperative bank offering standard cooperative banking products. Same Genossenschaftliche FinanzGruppe affiliation, comparable scale, and member-owned structure.
• Volksbank Karlsruhe: Regional Volksbank in Baden-Württemberg operating with the same product mix, network affiliation, and customer segments. Comparable in scale and product breadth.
• Sparkasse Hochrhein: Regional savings bank (Sparkasse) also serving the Hochrhein area, offering near-identical retail and SME banking products via a public-sector mandate. The most direct local competitor to Volksbank Hochrhein in the same geographic footprint.

Regional players

• Raiffeisenbank im Breisgau-Hochrhein: Cooperative bank directly neighboring the Hochrhein region with overlapping service geography. Comparable scale and product offering under the same Volksbanken Raiffeisenbanken umbrella.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks5 records

Key highlights6 records

Customer concentration

• Xx.com/VobaHochrhein
• LinkedInlinkedin.com/company/volksbank-hochrhein-eg

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

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 Hochrhein Eg