Volksbank Schwarzwald-donau-neckar Eg

What Volksbank Schwarzwald-donau-neckar Eg does

Volksbank Schwarzwald-Donau-Neckar eG is a member-owned cooperative bank (eingetragene Genossenschaft) headquartered in Tuttlingen, Baden-Württemberg, Germany (Am Seltenbach 15), operating under the German Cooperative Financial Network (Genossenschaftliche FinanzGruppe). The institution serves private customers, small and medium-sized businesses, and private banking clients across the Schwarzwald-Donau-Neckar region with a comprehensive banking product suite. Core offerings include Girokonto current accounts, Mastercard debit/credit cards (including premium GoldCard), Baufinanzierung real estate financing, Unternehmerkredit business loans up to €100,000, and a full range of savings, investment, and insurance products. The bank distributes through a hybrid model combining a regional physical branch network with digital channels including the VR Banking App, web-based OnlineBanking, and the Online-Filiale digital branch, supported by online appointment booking and a digital member network.

The underlying technology is a standard German cooperative banking platform provided via the Atruvia/DZ Bank infrastructure, delivering mobile and web banking plus card tokenization for Apple Pay and participation in girocard, SEPA, and Wero payment networks. The bank's primary revenue mechanics are net interest income on deposits and loans, transaction and card fees, real estate brokerage commissions (via a partner firm), and distribution fees from affiliated Verbundpartner products (Schwäbisch Hall building savings, R+V and sdk insurance, TeamBank/easyCredit consumer credit, Union Investment/MeinInvest/VermögenPlus securities). Recent product moves include the launch of meinKrypto for in-app cryptocurrency trading and Fit4Trading capital market education, indicating incremental digital expansion. Pricing is not publicly disclosed and is consultation-based; no venture, private equity, or institutional investor ownership is identified, consistent with the cooperative mutual structure.

Name

Volksbank Schwarzwald-donau-neckar Eg

Legal name

Volksbank Schwarzwald-Donau-Neckar eG

Website

https://vbsdn.de

Company type

Private

Founded year

1864

Operating status

Operating

Headcount range

251–500 employees

Short description

Volksbank Schwarzwald-Donau-Neckar eG is a member-owned cooperative bank headquartered in Tuttlingen, Baden-Württemberg, serving private customers, SMBs, and private banking clients across the Schwarzwald-Donau-Neckar region with retail banking, lending, payments, and partner-distributed insurance, investment, and crypto trading services.

Ownership category

akta.pro rank

Product category

Retail Banking

NAICS

Depository Credit Intermediation (5221), Savings Institutions and Other Depository Credit Intermediation (52218), Credit Card Issuing (52221)

SIC

National Commercial Banks (6021), Security & Commodity Brokers, Dealers, Exchanges & Services (6200)

akta.pro primary industry

Digital Banking & Neobank Platforms (BPAMAFAD)

akta.pro secondary industries

Embedded Deposit Accounts & Digital Wallet Infrastructure (FSAGALAE), Embedded Lending & Credit (POS, Working Capital, Credit Lines) (FSAGALAD)

Keywords

• Retail banking services
• Cooperative banking
• Consumer lending
• Business banking
• Wealth management

Headquarters

HQ city

Tuttlingen

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

Distribution channels5 records

Marketing channels3 records

Core offering

Volksbank Schwarzwald-Donau-Neckar eG is a member-owned cooperative bank providing retail and commercial banking services to private, business, and private banking customers across the Schwarzwald-Donau-Neckar region. Core offerings include current accounts (Girokonto, Geschäftskonto), debit and credit cards, real estate and consumer financing, business loans up to 100,000 euros, savings and investment products, insurance, and digital banking channels including OnlineBanking, the VR Banking App, and the Online-Filiale digital branch.

Product overview

Volksbank Schwarzwald-Donau-Neckar eG is a German cooperative bank offering a comprehensive banking platform with integrated partner services. The core banking offering includes Girokonto (current accounts), debit and credit cards via Mastercard (including premium GoldCard), Baufinanzierung (real estate financing), OnlineBanking via web portal, VR Banking App (mobile banking), and Online-Filiale (digital branch for online product purchases). The bank is expanding into cryptocurrency trading through meinKrypto, soon available in the VR Banking App. For business customers, offerings include Geschäftskonto (business accounts), Unternehmerkredit (business loans up to €100,000), Firmenkreditkarten (corporate cards), business insurance solutions, and advisory services for company founding and succession. A distinctive feature is the integration of numerous partner services accessible through the bank's portal: TeamBank's easyCredit (installment loans), Bausparkasse Schwäbisch Hall (building savings), R+V Versicherung (insurance), Union Investment (securities), MeinInvest and VermögenPlus (investment platforms), and additional partners. Educational tools like Fit4Trading support capital market participation. The bank also provides a digital membership network and online appointment booking for enhanced customer service.

Differentiator

Problem solved

Functional benefit

Brands

• meinKrypto: Cryptocurrency trading service enabling customers to buy and sell selected crypto assets directly in the VR Banking App.
• Online-Filiale

Products and services

• Girokonto (Current Account) Current account for everyday personal banking, available in multiple models to manage personal finances, with integrated OnlineBanking and VR Banking App access.
• Debit and Credit Cards (Mastercard) Mastercard debit and credit cards for private customers with worldwide cash withdrawal and cashless payment acceptance.
• GoldCard (Premium Credit Card) Premium Mastercard credit card for demanding customers including extensive additional benefits and exclusive services.
• Baufinanzierung (Real Estate Financing) Comprehensive real estate financing solutions covering construction financing, home purchase loans, and follow-up financing for private customers.
• OnlineBanking Web-based banking platform for customers to manage accounts, initiate payments, and conduct financial transactions online via browser.
• VR Banking App Mobile banking application for smartphones and tablets providing access to accounts, payments, financial management, and (upcoming) cryptocurrency trading via meinKrypto.
• Online-Filiale Digital branch enabling customers to complete product applications and submit service requests online at any time.
• meinKrypto (Cryptocurrency Trading) Cryptocurrency trading service that lets customers buy and sell selected crypto assets directly within the VR Banking App; offered in cooperation with DZ Bank group.
• Unternehmerkredit (Business Loan) Business loan product offering up to 100,000 euros for new business plans or deferred projects, available to business customers.
• Geschäftskonto (Business Account) Business checking account for companies to process payments and manage financial transactions.
• Firmenkreditkarte (Business Credit Card) Corporate credit cards enabling business customers to withdraw cash worldwide or make cashless payments.
• Versicherungsprodukte für Firmenkunden (Business Insurance) Insurance solutions for businesses to protect the company and its employees, offered in cooperation with R+V Versicherung.
• Gründung & Nachfolge (Founding and Succession Advisory) Advisory service for entrepreneurs who want to invest or are seeking succession solutions for their companies.
• Banking-Software-Vergleich (Banking Software Comparison) Comparison service helping businesses identify the right banking software offering for their operations.
• easyCredit (Consumer Installment Loan) Instant installment loan with financial flexibility provided in partnership with TeamBank, accessible through the bank's portal.
• Bausparvertrag Schwäbisch Hall (Building Savings Contract) Building savings contracts including options for children, offered in partnership with Bausparkasse Schwäbisch Hall to provide a rent-free future.
• Private Haftpflicht-Versicherung (Private Liability Insurance) Private liability insurance from R+V that protects customers against the costs of accidental damages, distributed in cooperation with R+V Versicherung.
• Auslandsreise-Krankenversicherung (Foreign Travel Health Insurance) Travel health insurance from R+V protecting customers against high medical treatment costs when traveling abroad.
• MeinInvest (Online Investment Advisory Platform) Online investment advisory platform for managing investments, accessible through the bank's portal.
• VermögenPlus (Wealth Building Investment Platform) Investment management platform for wealth building, accessible through the bank's portal in cooperation with Union Investment.
• Immobilienvermittlung (Real Estate Brokerage) Real estate brokerage services provided by partner Schwarzwald Neckar Immobilien GmbH.

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

Feature3 records

Partnerships

Six partnerships are on record, tiered minor.

• Bausparkasse Schwäbisch HallminorOthersBuilding society partnership providing Bausparvertrag products for children and general home savings. Customers can access Schwäbisch Hall services through the bank's partner portal for contract cancellation and management.
• GENO EnergieminorOthersEnergy provider partnership offering energy contracts. Contract cancellation services available through the bank's partner portal.
• R+V VersicherungminorOthersInsurance partnership providing private liability insurance and other insurance products. Part of the bank's comprehensive insurance offering for private and business customers.
• Süddeutsche Krankenversicherung (sdk)minorOthersHealth insurance partnership offering supplemental health insurance products. Contract management available through the bank's partner portal.
• TeamBank (easyCredit)minorOthersProvides easyCredit instant credit loans with financial flexibility. The bank offers this consumer credit product as part of its lending portfolio, with a dedicated customer portal for account management.
• Union InvestmentminorOthersInvestment fund partnership providing investment fund products and services. Offers UnionDepots and associated conditions for securities investments through the bank's investment services.

Recent moves6 records

Expansion highlights6 records

Broad incumbents

• DKB (Deutsche Kreditbank AG): Major German direct/online bank within the BayernLB group offering retail and SME banking products nationwide. Competes for the same digitally active retail and SME customers with a more extensive digital offering and broader geographic reach.
• ING-DiBa: Large German direct bank offering retail banking, brokerage, and consumer credit nationwide with a strong digital platform. Competes with the bank for digitally active retail customers and SME banking relationships across Germany.
• Commerzbank AG: Major German commercial bank providing retail and SME banking nationwide. Overlaps with the bank's business customer segment (Geschäftskonto, Unternehmerkredit, Firmenkreditkarte) and competes for SME relationships in Baden-Württemberg.

Direct peers

• Kreissparkasse Tuttlingen: Local Sparkassen savings institution competing directly with Volksbank Schwarzwald-Donau-Neckar for retail and SME customers in the same Tuttlingen geography, with comparable product offerings and a parallel public-sector mandate.
• Volksbank Mittlerer Schwarzwald eG: Another Volksbank cooperative bank in the Black Forest region sharing the same cooperative infrastructure (VR Banking App, Genossenschaftliche FinanzGruppe), serving an overlapping geographic and customer base in Baden-Württemberg.
• Sparkasse Schwarzwald-Baar: Regional Sparkassen savings bank operating in the same Schwarzwald geographic area as Volksbank Schwarzwald-Donau-Neckar, competing for the same private and business banking customers with similar traditional-plus-digital banking models.
• Volksbank Baden-Württemberg eG: Largest Volksbank in Baden-Württemberg operating under the same Genossenschaftliche FinanzGruppe network with shared VR Banking App infrastructure, identical product set (Girokonto, GoldCard, Baufinanzierung, meinKrypto), and overlapping regional customer base in Baden-Württemberg.
• Volksbank Rhein-Neckar eG: Neighboring regional Volksbank in the Rhein-Neckar metropolitan area, part of the same cooperative network with shared technology platform and nearly identical product catalog including meinKrypto crypto offering and online branch services.

Emerging players

• N26 Bank GmbH: Berlin-headquartered German neobank offering mobile-first retail banking including Girokonto, cards, and increasingly investment and credit features. Targets younger, digitally native customers who may otherwise have been served by cooperative banks like Volksbank.

Regional players

• BW-Bank (Landesbank Baden-Württemberg): Baden-Württemberg state-owned bank with strong regional presence in the same state as Volksbank Schwarzwald-Donau-Neckar, competing for retail, SME, and public-sector banking relationships across overlapping geographies in southwestern Germany.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/volksbank-schwarzwald-donau-neckar-eg

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 →

Frequently asked questions about Volksbank Schwarzwald-donau-neckar Eg