Vr-bank Isar-vils Eg

What Vr-bank Isar-vils Eg does

VR-Bank Isar-Vils eG is a German cooperative bank (eingetragene Genossenschaft) founded in 1913 and headquartered in Vilsbiburg, Bavaria. It operates seven physical branches across the Landkreis Landshut district and serves private customers, small and medium-sized businesses, and agricultural clients with a full suite of retail and commercial banking services. As a member-owned cooperative, ownership rests with its customer-members rather than external shareholders, and decision-making is anchored locally.

The bank's product set spans current accounts (Girokonto, Basiskonto, Geschäftskonto), savings products (VR-Tagesgeld, Gewinnsparen), real estate financing (Baufinanzierung), card products (Mastercard and Visa), and distribution of investment and insurance products through partners within the Genossenschaftliche FinanzGroup — notably Union Investment, Allianz, R+V Versicherung, VKB, and TeamBank. The technology stack is built around a digital banking platform accessed via the OnlineBanking portal and the VR Banking App, with mobile payment integration through Apple Pay and the European Wero instant payment system. A recipient verification feature (IBAN/name cross-check) is being rolled out in October 2025 to strengthen transfer security.

The bank derives revenue from traditional cooperative banking activities — interest margins on deposits and loans, account and transaction fees, and commissions from the sale of partner investment and insurance products. Distribution is hybrid: in-person consultation through seven branches combined with self-service digital channels. A flagship strategic event is the planned 2026 merger with VR-Bank Landshut eG to form VR-Bank Landshut-Isar-Vils eG, which will consolidate two regional cooperative banks into a single larger entity.

Name

Vr-bank Isar-vils Eg

Legal name

VR-Bank Isar-Vils eG

Website

https://vrbank-isar-vils.de

Company type

Private

Founded year

1913

Operating status

Operating

Headcount range

101–250 employees

Short description

VR-Bank Isar-Vils eG is a German cooperative bank founded in 1913, serving private, business, and agricultural customers through 7 branches and digital channels in the Landkreis Landshut region of Bavaria. It is planning a 2026 merger with VR-Bank Landshut eG.

Ownership category

akta.pro rank

Headquarters

HQ city

Vilsbiburg

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, Marketing or Sales, Infrastructure

Revenue model

1. Banking Services (Deposits & Loans): Traditional cooperative banking revenue from interest margins on deposits and loans, account maintenance fees, and transaction fees
2. Investment Products: Distribution of investment products including Union Investment funds, securities trading, and trading desk services
3. Insurance Products: Bancassurance products through partnerships with Allianz, R+V Versicherung, and VKB Versicherungskammer Bayern
4. Real Estate Services: Immobilienfinanzierung (real estate financing) and real estate agency services through Immobilienzentrum

Pricing tiers

Go-to-market motion1 record

Distribution channels5 records

Marketing channels4 records

Core offering

VR-Bank Isar-Vils eG is a regional cooperative bank (eingetragene Genossenschaft) founded in 1913, headquartered in Vilsbiburg, Germany. It provides private and business banking services including current accounts, savings, mortgages, commercial lending, payment services, insurance, and investment products. These are delivered through 7 physical branches in the Landkreis Landshut region alongside digital channels including an OnlineBanking portal and the VR Banking App, with mobile payment support via Apple Pay and the Wero instant payment service.

Product overview

VR-Bank Isar-Vils eG is a cooperative regional bank offering a unified banking platform with multiple integrated products and services. The core offerings include the Girokonto (current account) as the primary product, complemented by OnlineBanking and the VR Banking App as digital channels. The banking app serves as the central digital hub, combining Wero instant payments, digital card management, and the ePostfach. Savings products include VR-Tagesgeld (flexible savings) and Gewinnsparen (lottery savings). Credit offerings encompass Baufinanzierung (real estate financing) and general lending. Insurance products are provided through partnerships with Allianz, R+V Versicherung, and VKB. Business services include Geschäftskonto (business accounts). Payment capabilities are supported through Mastercard, Visa, and Apple Pay integrations. The bank is planning a merger with VR-Bank Landshut to form VR-Bank Landshut-Isar-Vils eG in 2026.

Differentiator

Problem solved

Functional benefit

Products and services

• Girokonto Current/checking account for private customers with debit card, online access, and mobile banking features.
• Basiskonto Basic current account available to consumers who do not have access to a standard account, including persons without a fixed residence.
• Geschäftskonto Business current account for commercial customers with cash management, SEPA payments, and debit card features.
• VR-Tagesgeld Call money / daily deposit savings account offering flexible access to funds with competitive interest.
• Baufinanzierung Real estate financing / mortgage products for new builds, purchases, and modernization of residential property.
• Versicherung & Schützen Insurance brokerage services including property, personal, and risk protection products offered in partnership with R+V Versicherung.
• Geldanlage & Sparen Investment and savings products including savings plans, funds, and securities offerings distributed in partnership with Union Investment.
• Gewinnsparen Lottery-linked savings scheme where savers receive interest plus a chance to win cash prizes, supporting regional charitable causes.
• OnlineBanking Web-based online banking platform providing account access, transfers, securities trading, and card management functions.
• VR Banking App Mobile banking application for iOS and Android offering account management, photo-based transfer (Scan2Bank), mobile payments (Apple Pay, Wero), and digital card controls.
• Debit- und Kreditkarten Card products including debit cards and credit cards usable for online shopping, contactless payment, and cash withdrawals.
• Immobilie & Wohnen Real estate services including property valuation, brokerage, financing, and support for purchase or sale of residential property.
• Firmenkunden-Banking Business banking services for corporate clients including account products, payment processing, commercial lending, and trade finance.

Segments3 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration9 records

Feature4 records

Partnerships

Six partnerships are on record, tiered minor, core and flagship.

• AllianzminorOthersInsurance partner for contract products sold through VR-Bank Isar-Vils eG. Customers can process contract cancellations through the bank's partner channels.
• R+V VersicherungminorOthersInsurance partner offering insurance products through the bank. Part of the DZ BANK group partnership network.
• TeamBankminorOthersDigital direct bank partner offering credit products. Customers can process contract matters through this partner channel.
• Union InvestmentcoreOthersInvestment products partner within the Genossenschaftliche FinanzGroup network. Offers fund-based investment products, securities trading, and wealth management solutions to bank customers.
• VKB – Versicherungskammer BayernminorOthersRegional insurance partner for Bavaria offering insurance products through the bank channel.
• VR-Bank Landshut eGflagshipStrategic or Co-development PartnerPlanned merger in 2026 to form VR-Bank Landshut-Isar-Vils eG. Both are established cooperative banks deeply rooted in their respective regions. The merger creates a stronger combined entity for future challenges.

Scale indicators5 records

Recent moves6 records

Expansion highlights4 records

Broad incumbents

• ING-DiBa AG: Germany's largest direct bank, competing for the same retail deposit and consumer credit customers as VR-Bank Isar-Vils but at national scale via a digital-only model. Represents the direct-to-consumer competitive threat to a regional cooperative.
• DZ BANK AG Deutsche Zentral-Genossenschaftsbank: Central institution and holding company for the German cooperative banking sector, providing wholesale banking, treasury, and product factory services to all Volksbanken Raiffeisenbanken including VR-Bank Isar-Vils. The umbrella institution that defines the cooperative bank's product platform.

Emerging players

• N26 Bank GmbH: Berlin-based German neobank offering a mobile-first current account, Apple Pay/Google Pay, and consumer credit — directly targeting the same younger retail customers that the bank's StartSmart product tries to retain. Comparable technology and product surface.

Direct peers

• VR-Bank Landshut eG: Adjacent Bavarian cooperative bank with the same Genossenschaftliche FinanzGroup affiliation, overlapping product set (Girokonto, Baufinanzierung, insurance via R+V, Union Investment), and a planned 2026 merger with VR-Bank Isar-Vils eG — the most directly comparable entity in the data set.
• Volksbank eG Gartenstadt-Vogelsberg: Small regional German cooperative bank with a similar Genossenschaftsbank structure, comparable product offerings (Girokonto, Baufinanzierung, insurance partnerships), and equivalent scale of operation. Illustrative of the broader Volksbanken Raiffeisenbanken peer set.
• Sparkasse Landshut: Public-law savings bank (Sparkasse) operating in the same Landkreis Landshut market, offering near-identical retail/commercial banking products. Directly competes for the same private and SME customers with a comparable branch footprint.

Regional players

• Stadtsparkasse München: Large Bavarian Sparkasse offering similar retail/commercial banking products but in the Munich metropolitan market rather than rural Lower Bavaria. Comparable product set and Sparkassen operating model.

Others

• Union Investment Privatfonds GmbH: Asset management arm of the DZ BANK Group, partner for investment funds and securities trading distributed through VR-Bank Isar-Vils. Comparable as the upstream product provider for the bank's investment revenue stream.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Customer concentration

• LinkedInlinkedin.com/company/vrbank-isar-vils

Compliance6 records

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 Vr-bank Isar-vils Eg