Volksbank Am Wurttemberg Eg

What Volksbank Am Wurttemberg Eg does

Volksbank am Württemberg eG is a German cooperative bank (eingetragene Genossenschaft) headquartered at Berliner Platz 1, 70734 Fellbach, Baden-Württemberg, operating within the nationwide Volksbanken Raiffeisenbanken cooperative financial network. It serves three primary customer segments — Privatkunden (retail), Firmenkunden (SMEs), and Private Banking (HNW individuals) — plus a Junge Kunden youth persona, delivering a full-service banking proposition that includes current accounts (Girokonto, Geschäftskonto), savings and investment products, mortgage and consumer lending, business payment services, international payments, employee benefits, and business succession advisory.

The distribution model is hybrid: physical branches across the Württemberg region complemented by the VR Banking App and an Online-Geschäftsstelle digital self-service portal that enables online product origination. Core technology comprises the cooperative banking platform shared across the Genossenschaftliche Finanz Gruppe, with partner integrations linking MeinInvest, VermögenPlus, easyCredit Kundenportal, Schwäbisch Hall, and R+V customer portals. Active products at the time of capture include the Württemberger Anlage promotional savings product (2.7% over 2.5 years), the SanReMo-Kredit renovation loan, and instant credit via TeamBank's easyCredit. The bank is working toward compliance with the German Accessibility Strengthening Act (BFSG/BFSGV), WCAG, and EN 301 549.

The bank earns revenue through a blend of interest income from lending (mortgages, consumer credit, business loans, overdrafts), account and transaction fees, and commission income from partner product distribution including R+V insurance, Union Investment funds, Schwäbisch Hall building society products, and TeamBank easyCredit loans. As a member-owned cooperative (Mitglieder) rather than an externally financed entity, Volksbank am Württemberg eG has no disclosed funding rounds, parent company, or M&A history; headcount, founding year, and revenue are not disclosed in the provided sources, though operating status is confirmed active via the current website, upcoming community event dated 26.07.2026, and ongoing product campaigns.

Name

Volksbank Am Wurttemberg Eg

Legal name

Volksbank am Württemberg eG

Website

https://voba-aw.de

Company type

Private

Founded year

1889

Operating status

Operating

Short description

Volksbank am Württemberg eG is a member-owned German cooperative bank headquartered in Fellbach, Baden-Württemberg, serving retail customers, SMEs, and high-net-worth individuals via branches, the VR Banking App, and an Online-Geschäftsstelle portal.

Ownership category

akta.pro rank

Headquarters

HQ city

Fellbach

HQ country

Germany

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Interest Income: Traditional banking interest income from lending activities including mortgages (Immobilienfinanzierung), personal loans (SanReMo-Kredit), business loans, and overdraft facilities. Interest spreads between deposit and lending rates form core revenue.
2. Commission and Fee Income: Account maintenance fees, transaction fees, payment services, card services (girocard, Visa/Mastercard), and foreign exchange services. Also includes fees from securities transactions and investment products.
3. Insurance Commission: Commission revenue from partnerships with insurance providers including R+V Versicherung and Süddeutsche Krankenversicherung through referral and distribution arrangements.
4. Investment Products Distribution: Distribution of investment products including Union Investment funds, Bausparkasse Schwäbisch Hall savings products, and TeamBank easyCredit loans, generating commission income.

Pricing tiers

Go-to-market motion1 record

Distribution channels5 records

Marketing channels4 records

Core offering

Volksbank am Württemberg eG is a German cooperative bank (eingetragene Genossenschaft) that provides a full range of retail and commercial banking products, including current accounts, savings and investment products, mortgage and consumer lending, insurance distribution, payment services, and private wealth management. It serves private customers, small and medium-sized enterprises, and high-net-worth individuals through a hybrid channel model combining its VR Banking App and Online-Geschäftsstelle digital platform with physical branches in the Württemberg region.

Product overview

Volksbank am Württemberg eG is a cooperative bank offering a comprehensive portfolio of banking products and services for both retail (Privatkunden) and business (Firmenkunden) customers. The bank's offerings include core banking products such as current accounts (Girokonto), savings and investment products (Geldanlage & Sparen), real estate financing, and instant credit solutions through the easyCredit partnership. For business customers, the bank provides business accounts (Geschäftskonto), corporate credit cards, payment transaction services including international payments, and employee benefits programs. The bank's digital banking platform consists of OnlineBanking accessible via the VR Banking App and an Online-Geschäftsstelle for completing product applications and service requests online. The bank also offers specialized products like the SanReMo-Kredit for property renovation and the Württemberger Anlage investment product with promotional rates.

Differentiator

Problem solved

Functional benefit

Products and services

• Girokonto
• Geschäftskonto
• Geldanlage & Sparen
• Württemberger Anlage
• easyCredit Sofortkredit
• SanReMo-Kredit
• Immobilienfinanzierung
• Firmenkreditkarte
• Zahlungsverkehr
• Auslandszahlungsverkehr
• Gründung & Nachfolge
• Vorsorge & Mitarbeiterbindung
• Private Banking
• Online-Geschäftsstelle

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration5 records

Feature3 records

Partnerships

Eight partnerships are on record, tiered core and minor.

• Schwäbisch Hall (Bausparkasse)coreChannel Partner/ Reseller/ DistributorBausparkasse Schwäbisch Hall is the leading German building society (Bausparkasse). Volksbank am Württemberg distributes their home savings and construction financing products through the bank's branches and digital channels. Customers can access Schwäbisch Hall products and manage their accounts through the bank's partnered service portals.
• GENO BrokercoreTechnology or IntegrationGENO Broker provides securities trading and brokerage services integrated into the cooperative banking network. Through this partnership, Volksbank am Württemberg customers can access investment services and securities trading platforms.
• GENO EnergieminorGTM or Marketing PartnerEnergy partnership offering within the cooperative banking network. Customers of Volksbank am Württemberg can access energy products and services through GENO Energie.
• R+V VersicherungcoreChannel Partner/ Reseller/ DistributorR+V Versicherung is one of Germany's largest insurance companies, fully owned by cooperative banks. Volksbank am Württemberg distributes their comprehensive insurance products including property, liability, life, and health insurance through the bank's advisory services and online portals.
• Süddeutsche Krankenversicherung (SDK)minorChannel Partner/ Reseller/ DistributorSüddeutsche Krankenversicherung (SDK) provides health insurance products. Volksbank am Württemberg offers their health insurance products as part of comprehensive insurance solutions to customers.
• TeamBank (easyCredit)coreChannel Partner/ Reseller/ DistributorTeamBank AG, based in Nuremberg, is a digital direct bank specializing in consumer credit. Through the partnership, Volksbank am Württemberg offers easyCredit instant loans with flexible financing options. The bank integrates TeamBank's lending platform for seamless credit applications.
• Union InvestmentcoreChannel Partner/ Reseller/ DistributorUnion Investment is the asset management company of the German cooperative banking group. Volksbank am Württemberg distributes their investment fund products including equity funds, bond funds, and mixed portfolios. Customers can access MeinInvest and VermögenPlus platforms through this partnership.
• Reit- und Fahrverein Fellbach e.V.minorGTM or Marketing PartnerLocal equestrian club in Fellbach. Volksbank am Württemberg sponsors community events organized by the club, such as 'Tag der offenen Tür' (Open Door Day), demonstrating community engagement and local brand building.

Recent moves6 records

Expansion highlights7 records

Broad incumbents

• ING-DiBa AG: Germany's largest direct bank, competing directly for retail deposits, consumer credit, and mortgage customers through a digital-first model that pressures traditional cooperative banks like Volksbank am Württemberg.
• Postbank (Deutsche Bank subsidiary): Large German retail bank providing current accounts, consumer credit, and mortgages through branch and digital channels; competes with Volksbank am Württemberg for retail banking customers across Germany.
• Targobank AG: German retail and consumer credit bank offering consumer lending, deposits, and insurance; competes for retail credit and everyday banking customers through omnichannel distribution.
• Sparkasse (e.g., Sparkasse Stuttgart): Public-law regional savings institution competing in the same Württemberg retail and SME market with a similar multi-channel branch and digital model; not a cooperative but functionally the closest large incumbent competitor.
• DKB (Deutsche Kreditbank AG): Major direct bank with a strong retail deposit and consumer lending franchise, competing for the same retail and SME customers via a digital platform and pricing transparency.
• Commerzbank AG: Large German commercial and retail bank with nationwide branch network and SME/Mittelstadt focus; competes with Volksbank am Württemberg for business banking customers in Baden-Württemberg.
• BW-Bank (LBBW subsidiary): Baden-Württemberg-headquartered retail and commercial bank (LBBW group) offering savings, lending, and advisory services to retail and SME customers in the same regional footprint.

Direct peers

• PSD Bank Karlsruhe-Neustadt eG: Regional cooperative bank within the PSD Bank group serving southwestern Germany, with overlapping retail, savings, and consumer credit products targeted at similar retail and member-customer segments.
• Volksbank Köln Bonn eG: One of the largest cooperative banks (Volksbanken Raiffeisenbanken network) in Germany, offering the same comprehensive retail, business, and private banking services as Volksbank am Württemberg through a similar member-owned cooperative model and partner-distributed product stack.
• Sparda-Bank Baden-Württemberg eG: Regional cooperative bank headquartered in Baden-Württemberg with the same member-owned cooperative structure; competes head-to-head for retail and SME customers in the same Württemberg geography.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat6 records

Key risks5 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/vobaaw

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 Am Wurttemberg Eg