Volksbank Plochingen Eg

What Volksbank Plochingen Eg does

Volksbank Plochingen eG is a member-owned German cooperative bank (eingetragene Genossenschaft) headquartered in Plochingen, Baden-Württemberg, operating within the nationwide Volksbanken Raiffeisenbanken cooperative financial network. The bank serves four customer segments — Privatkunden (retail), Firmenkunden (SMB), Private Banking, and a Next Gen cohort — across its regional catchment area, offering current accounts (including the €9.90/month VR-GiroComfort package), savings products (Tagesgeld, Gewinnsparen), consumer and SME credit (notably Unternehmerkredit up to €100,000 and easyCredit instant loans via TeamBank), corporate services (Geschäftskonto, Firmentagesgeld, VR International trade services, Firmenkreditkarte), investment products (meinDepot via Union Investment), and insurance through its wholly-owned subsidiary Volksbank Plochingen Versicherungen GmbH.

The technology stack is a standard shared cooperative banking infrastructure: OnlineBanking portal, VR Banking App, and an Online-Geschäftsstelle (online business office) for digital product purchase and service requests, complemented by physical branches (Geschäftsstellen) for in-person advisory. No proprietary technology, AI/ML systems, APIs, or developer-facing platforms are documented; the bank relies on the central cooperative ecosystem (e.g., Atruvia-based digital assets, DZ Bank-aligned corporate products, and partner-built insurance/investment wrappers). Distribution is hybrid — top-of-funnel content via the official website and bottom-of-funnel conversion through self-serve digital portals and direct branch sales — with no public evidence of PLG-style product-led growth.

The revenue model blends net interest income (loans, mortgages), recurring account and service fees (e.g., VR-GiroComfort subscription), transaction and FX fees, and commission income from cross-sold insurance, investment, and energy products via partner arrangements. Members also participate in cooperative governance and profit-sharing (Mitwissen, mitbestimmen, mitverdienen). The bank is regulated by BaFin, holds cooperative banking and insurance distribution registrations, and is BaFin-supervised for insurance mediation.

Name

Volksbank Plochingen Eg

Legal name

Volksbank Plochingen eG

Website

https://volksbank-plochingen.de

Company type

Private

Founded year

1908

Operating status

Operating

Short description

Volksbank Plochingen eG is a member-owned German cooperative bank serving retail, SMB, private banking, and Next Gen customers in the Plochingen region of Baden-Württemberg through branches, OnlineBanking, and an in-house insurance subsidiary.

Ownership category

akta.pro rank

Product category

Cooperative Retail Banking

NAICS

Portfolio Management and Investment Advice (523940), Insurance Agencies and Brokerages (524210), Credit Card Issuing (52221)

SIC

Short-Term Business Credit Institutions (6153), Insurance Agents, Brokers & Service (6411), Investment Advice (6282)

akta.pro primary industry

SME Treasury & Liquidity Management (FX, Hedging, Sweep/Investment) (FSABABAE)

akta.pro secondary industry

Full-Service Brokerage (Wirehouse/Universal) (FSAEACAA)

Keywords

• Cooperative banking
• Retail banking
• Business banking
• Savings products
• Insurance services

Headquarters

HQ city

Plochingen

HQ country

Germany

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Banking Services Revenue: Volksbank Plochingen eG generates revenue through traditional banking activities including interest income from loans and mortgages, account maintenance fees, transaction fees, credit card services, insurance product commissions, investment product distribution, and foreign exchange services.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels3 records

Core offering

Volksbank Plochingen eG is a German cooperative bank (eingetragene Genossenschaft) headquartered in Plochingen, Baden-Württemberg, providing retail and commercial banking services. Its offering includes current accounts (VR-GiroComfort, VR-GiroBusiness), savings products (Tagesgeld, Firmentagesgeld, Gewinnsparen), lending (Unternehmerkredit, easyCredit), investment products (meinDepot), international trade services (VR International), business cards (Firmenkreditkarte), and insurance brokerage (Berufshaftpflicht-Versicherung) through subsidiary Volksbank Plochingen Versicherungen GmbH.

Product overview

Volksbank Plochingen eG is a German cooperative bank offering a comprehensive portfolio of retail and commercial banking products through both digital channels (Online-Geschäftsstelle, OnlineBanking Portal, VR Banking App) and physical branch network. The product suite encompasses current accounts (VR-GiroComfort, Girokonto), savings products (Tagesgeld, Gewinnsparen), credit facilities (Unternehmerkredit up to 100,000 EUR), business services (Geschäftskonto, Firmentagesgeld, VR International, Firmenkreditkarte), and insurance solutions through its subsidiary Volksbank Plochingen Versicherungen GmbH. The bank partners with external providers including Reisebank for currency exchange, TeamBank for easyCredit instant loans, and Union Investment for brokerage services (meinDepot).

Differentiator

Problem solved

Functional benefit

Products and services

• VR-GiroComfort Current account product offered at €9.90 per month for retail customers, providing everyday banking services with digital access.
• Geschäftskonto (VR-GiroBusiness) Business current account for commercial customers (Firmenkunden) including sole proprietors and SMEs.
• Tagesgeld Overnight/sight deposit savings product for retail customers seeking flexible, liquid savings.
• Firmentagesgeld Business overnight/sight deposit savings product for corporate clients managing short-term cash.
• Unternehmerkredit Business loan product providing credit facilities to entrepreneurs and commercial customers.
• VR International International trade and foreign transaction banking service for business clients engaged in cross-border commerce.
• Firmenkreditkarte Corporate credit card for business customers managing corporate expenses and travel.
• easyCredit Consumer installment loan product distributed through the cooperative banking network for retail borrowers.
• meinDepot Securities custody and investment account (depot) for retail customers to hold and trade securities.
• Gewinnsparen Lottery-linked savings scheme that combines saving with a chance to win prizes, distributed via the cooperative banking network.
• Berufshaftpflicht-Versicherung Professional liability insurance product brokered by subsidiary Volksbank Plochingen Versicherungen GmbH for self-employed and professional clients.

Segments4 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Seven partnerships are on record, tiered minor.

• AllianzminorChannel Partner/ Reseller/ DistributorInsurance partner for general insurance products. Contract cancellation/withdrawal services are handled directly through Allianz.
• Bausparkasse Schwäbisch HallminorChannel Partner/ Reseller/ DistributorBuilding society savings partner for home financing products. Contract services available through partner.
• GENO EnergieminorOthersEnergy partner for GENO Energie products. Contract withdrawal services available.
• R+V VersicherungminorChannel Partner/ Reseller/ DistributorInsurance partner for R+V insurance products. Online contract withdrawal available.
• Süddeutsche Krankenversicherung (SDK)minorChannel Partner/ Reseller/ DistributorHealth insurance partner. Contract cancellation services available through SDK.
• TeamBank (easyCredit)minorChannel Partner/ Reseller/ DistributorTeamBank provides the easyCredit instant credit product offered through the bank. Withdrawal/cancellation handled by TeamBank directly.
• Union InvestmentminorChannel Partner/ Reseller/ DistributorInvestment partner for fund-based investments and wealth management products. Contract withdrawal available through Union Investment.

Recent moves6 records

Expansion highlights6 records

Direct peers

• Volksbank Göppingen eG: Volksbank Göppingen is a neighboring Baden-Württemberg Volksbank cooperative bank serving the Göppingen area. It mirrors Volksbank Plochingen's cooperative retail/SME model under the same BVR/DZ Bank umbrella and represents a like-for-like regional cooperative peer.
• Volksbank Stuttgart eG: Volksbank Stuttgart is the leading Volksbank cooperative bank in the Stuttgart region, operating the same retail/business banking model with member ownership, branch network, and online channels. It is the closest large-market analog to Volksbank Plochingen within the cooperative banking association.
• Kreissparkasse Esslingen-Nürtingen: The local Sparkasse (public-sector savings bank) covering the Plochingen area, offering retail accounts, savings, SME credit, and insurance/brokerage on a branch + digital hybrid. It is the primary competitor for retail deposits and SME banking in Volksbank Plochingen's core geography.
• Volksbank Kirn-Pfalz eG: A medium-sized German cooperative bank operating retail and SME banking under the same Volksbanken Raiffeisenbanken cooperative framework. Comparable in scale, ownership structure, and product breadth to Volksbank Plochingen, though serving a different regional geography.
• VR-Bank Landkreis Esslingen eG: VR-Bank Landkreis Esslingen is a directly adjacent Volksbank cooperative bank serving the Esslingen district neighboring Plochingen. It offers the same retail/business banking product suite and competes head-to-head for SME and retail customers in the same regional catchment.
• Volksbank Mittlerer Schwarzwald eG: A medium-sized Volksbank cooperative bank in Baden-Württemberg operating retail, SME, and private banking through branches plus digital channels. It is a useful size/operating-model benchmark for evaluating Volksbank Plochingen's product breadth and member-cooperative economics.

Broad incumbents

• ING-DiBa AG: ING Germany is a direct bank offering low-cost current accounts, savings, consumer credit, and investment products nationally via a digital channel. While not regionally present in Plochingen, it increasingly competes for retail deposits and primary banking relationships that historically anchored local Volksbanken customer bases.
• DKB AG (Deutsche Kreditbank): DKB is a German direct bank offering retail current accounts, savings, and consumer loans via digital channels, owned by BayernLB. It represents a broader national competitor that competes for the same retail deposit and primary-banking relationships that local Volksbanken like Plochingen depend on.

Regional players

• Sparda-Bank Baden-Württemberg eG: Sparda-Bank BW is a larger cooperative bank serving public-sector employees across Baden-Württemberg. It shares the cooperative ownership model and broad product line but serves a different niche (Beamte/Öffentlicher Dienst) and competes for retail deposits in Volksbank Plochingen's regional catchments.
• Sparkasse Plochingen (Geschäftsstelle): The local Sparkasse branch serving Plochingen directly, offering savings, current accounts, SME lending, and basic insurance products under the Sparkassen public-sector model. It is the most localized competitor and shares the same geographic footprint as Volksbank Plochingen.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat6 records

Key risks5 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/Volksbank.Plochingen
• LinkedInlinkedin.com/company/volksbank-plochingen

Compliance10 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Subsidiaries1 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 Plochingen Eg