Volksbank Bodensee-oberschwaben Eg

What Volksbank Bodensee-oberschwaben Eg does

Volksbank Bodensee-Oberschwaben eG is a German cooperative bank (eingetragene Genossenschaft) headquartered in Tettnang, Baden-Württemberg, operating across the Bodensee-Oberschwaben region under BaFin supervision and as a member of the Genossenschaftliche FinanzGruppe Volksbanken Raiffeisenbanken. The bank serves four core customer segments — Privatkunden (retail), Firmenkunden (corporate/SMB), Private Banking (HNW), and Immobilien (real estate) — through a hybrid distribution model that combines a regional branch network with digital channels including an OnlineBanking portal and the VR Banking App.

The product suite spans current accounts (Girokonto, Geschäftskonto), fixed-term deposits (Festgeld at 2.3% p.a. for 25 months, minimum €2,500), debit/credit cards via Mastercard, the easyCredit consumer loan through TeamBank, Wero instant payments, business services (Objektfinanzierung, Gewerblicher Immobilienkredit, Auslandszahlungsverkehr, Online-Bezahlung, Unternehmensnachfolge, Verification of Payee), Vermögensverwaltung portfolio management with 20+ years of operating history, and real estate services through a wholly-owned subsidiary (Volksbank Bodensee-Oberschwaben Immobilien GmbH & Co. KG) including the Oberhofen residential development in Ravensburg. The technology platform adheres to BFSG/WCAG accessibility standards and integrates centrally-provisioned cooperative-banking infrastructure (EBICS, BankingManager multi-banking, DZ Bank card rails).

Revenue is generated primarily through net interest income on lending (mortgages, consumer credit, commercial object financing, commercial real estate), supplemented by transaction and account fees, commission income from distribution of partner products (R+V Versicherung insurance, Union Investment funds, Bausparkasse Schwäbisch Hall building society products, TeamBank easyCredit), and real estate brokerage/management/development fees via the subsidiary. The bank is currently pursuing a strategic merger (fusion) with Volksbank Konstanz, as documented on the website and in the 2026 virtual Vertreterversammlung agenda, signaling regional consolidation within the cooperative banking sector.

Name

Volksbank Bodensee-oberschwaben Eg

Legal name

Volksbank Bodensee-Oberschwaben eG

Website

https://vb-bo.de

Company type

Private

Founded year

1864

Operating status

Operating

Headcount range

501–1,000 employees

Short description

Volksbank Bodensee-Oberschwaben eG is a German cooperative bank headquartered in Tettnang, serving retail, corporate, private banking, and real estate customers across the Bodensee-Oberschwaben region through branch and digital channels, with products spanning accounts, lending, payments, insurance distribution, wealth management, and property services.

Ownership category

akta.pro rank

Product category

Retail Banking

NAICS

Depository Credit Intermediation (5221)

SIC

Savings Institutions, Not Federally Chartered (6036)

akta.pro primary industry

Mass-Market Consumer Deposit Banking (Checking/Savings) (FSABAAAA)

Keywords

• Retail banking services
• Cooperative banking
• Consumer lending
• Mortgage lending
• Corporate banking

Headquarters

HQ city

Tettnang

HQ country

Germany

HQ region

Europe

Offices3 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Interest Income: As a cooperative bank (Genossenschaftsbank), the primary revenue stream is interest income from lending activities including mortgages, consumer loans, business loans, and object financing. The bank offers fixed-term deposits (Festgeld) and other savings products as liability products.
2. Fee and Commission Income: Account maintenance fees, payment transaction fees, card issuance and usage fees, securities custody and trading commissions, foreign exchange services, and insurance product distribution commissions.
3. Insurance Distribution: Commission revenue from distributing R+V Versicherung insurance products and other insurance solutions through the bank's branch network.
4. Real Estate Services: Revenue from the bank's real estate subsidiary (Volksbank Bodensee-Oberschwaben Immobilien GmbH & Co. KG) through property brokerage, management, and development services including the Oberhofen residential project in Ravensburg.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels6 records

Core offering

Volksbank Bodensee-Oberschwaben eG is a regional cooperative bank that provides retail, private, corporate and real-estate banking services to members and customers in the Lake Constance and Upper Swabia area. Its product set includes current accounts (Girokonto), term deposits (Festgeld), consumer credit (easyCredit), payment services such as Wero, and access to group-distributed insurance and securities products via the VR Banking App and online banking channels.

Product overview

Volksbank Bodensee-Oberschwaben eG offers a comprehensive range of banking products and services organized across retail, corporate, private banking, and real estate segments. For retail customers, the core offerings include Festgeld (fixed-term deposits), Girokonto (current accounts), and debit/credit cards through Mastercard partnership. The VR Banking App serves as the mobile banking platform. Credit products include easyCredit (instant credit via TeamBank partnership) and mortgage financing. Wero enables instant peer-to-peer payments. Corporate banking includes Geschäftskonto (business accounts), Objektfinanzierung (equipment financing), Gewerblicher Immobilienkredit (commercial real estate loans), Auslandszahlungsverkehr (international payments), and Online-Bezahlung (e-commerce payments). The bank also provides Vermögensverwaltung (wealth management) and Private Banking services for high-net-worth clients. Real estate services are delivered through the 'Immohomies' brand.

Differentiator

Problem solved

Functional benefit

Brands

• VR Banking App: Mobile banking application for online banking and payments
• Wero
• Immohomies
• Gemeinsam mehr

Products and services

• Girokonto (Current Account) Day-to-day transactional current account for private individuals, members of the cooperative and business customers in the Bodensee-Oberschwaben region, used for incoming/outgoing payments, card transactions, standing orders and direct debits.
• Festgeld (Term Deposit) Fixed-term savings deposit for retail and cooperative members seeking a guaranteed interest rate over a defined tenor, providing capital preservation with the cooperative's deposit guarantee.
• easyCredit (Consumer Loan) Standardized consumer loan for private customers financing consumption, education, vehicles or other personal needs, distributed through the Volksbank Raiffeisenbanken cooperative network.
• Wero Payment Service Instant European payment service integrated into the bank's account products, enabling real-time bank-to-bank transfers between participating European banks.
• VR Banking App Mobile banking application of the Volksbanken Raiffeisenbanken cooperative group for retail and corporate customers, used for account access, transfers, securities trading, card controls, and digital self-services.
• Online Banking / Internet-Filiale Web-based online banking portal that allows customers to manage accounts, execute transfers and access the bank's product catalog via desktop browser.

Quantifiable outcome

• Festgeld interest rate of 2.3% p.a. for 25-month term (minimum 2,500 EUR)

Segments4 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature5 records

Partnerships

Eight partnerships are on record, tiered minor, core and major.

• GENO EnergieminorChannel Partner/ Reseller/ DistributorGENO Energie is a partner for energy contracts. The bank's website provides a link to GENO Energie's contract cancellation form, allowing customers to manage energy contracts through this partnership within the bank's ecosystem.
• R+V VersicherungcoreChannel Partner/ Reseller/ DistributorR+V Versicherung is a key insurance partner of the bank, offering insurance products distributed through the bank's branch network and advisors. The bank's homepage promotes insurance review opportunities ('Versicherungen prüfen') suggesting Leistungs- und Beitragsvorteile (premium and benefit advantages). This is a long-standing partnership within the Genossenschaftliche FinanzGruppe.
• TeamBankcoreChannel Partner/ Reseller/ DistributorTeamBank provides the easyCredit instant credit product ('Sofortkredit mit finanziellem Spielraum'), which is marketed as one of the bank's most popular products for retail customers. The product is available for immediate calculation and conclusion through the bank's platform.
• Union InvestmentcoreChannel Partner/ Reseller/ DistributorUnion Investment is the fund investment partner of the bank, offering securities investment products and fund savings plans. The bank's private banking and wealth management offerings are supported by Union Investment's product range within the Genossenschaftliche FinanzGruppe.
• Bausparkasse Schwäbisch HallcoreChannel Partner/ Reseller/ DistributorBausparkasse Schwäbisch Hall is the building society partner offering home savings (Bausparen) products for property financing. These products complement the bank's real estate financing and Immobilien service offerings, supporting customers in saving for and financing residential property.
• Volksbank KonstanzmajorStrategic or Co-development PartnerVolksbank Bodensee-Oberschwaben eG is in a fusion (merger) process with Volksbank Konstanz. A dedicated fusion information page is maintained on the website, and the 2026 virtual Vertreterversammlung agenda references this merger. This represents a significant strategic consolidation within the regional cooperative banking sector.
• Immohomies (Volksbank Immobilienprofi Network)minorChannel Partner/ Reseller/ DistributorThe bank refers to its real estate professionals as 'The Homies' (Immohomies), part of a visual/teaser marketing concept. This appears to be a brand identity within the bank's own Immobilien subsidiary rather than an external partnership.
• DZ Bank (Genossenschaftliche FinanzGruppe)coreTechnology or IntegrationDZ Bank serves as the central institution for the German cooperative banking groups, providing the Mastercard and Visa debit/credit card infrastructure used by the bank, as well as shared technology platforms (VR Banking App, BankingManager, Wero payment system, SEPA/EBICS protocols). The bank offers Mastercard and Visa debit cards through this partnership.

Scale indicators3 records

Recent moves6 records

Expansion highlights6 records

Broad incumbents

• Postbank: Large-scale retail bank with national branch and digital channels, competing for retail deposits, current accounts, and consumer credit across Germany including the subject bank's regional footprint.
• HypoVereinsbank (UniCredit): Major German universal bank with retail and SME presence in Baden-Württemberg; competes on corporate lending, wealth management, and digital banking where it overlaps with Volksbank's customer base.
• BW-Bank: State bank of Baden-Württemberg with full retail, corporate, and wealth-management capabilities across the same regional market as the subject bank.

Direct peers

• Sparkasse Bodensee: Regional savings bank (Sparkasse) competing directly with Volksbank Bodensee-Oberschwaben for retail, SME, and local-government customers across the same Bodensee geography.
• Volksbank Konstanz: Adjacent regional cooperative bank in the Konstanz / Lake Constance area; functionally and structurally identical to Volksbank Bodensee-Oberschwaben and currently in a formal merger (fusion) with the subject company.
• Kreissparkasse Ravensburg: District savings bank headquartered in Ravensburg, directly overlapping with Volksbank Bodensee-Oberschwaben's Ravensburg footprint on retail, SME lending, and municipal banking.
• Volksbank Ulm-Biberach: Cooperatively organized regional bank east of Ravensburg with overlapping Württemberg footprint and comparable retail/SME/private-banking offering.
• Sparda-Bank Baden-Württemberg: Member-owned cooperative bank group serving Baden-Württemberg; competes with Volksbank on retail current accounts, deposits, and consumer credit.
• Volksbank Allgäu-Oberschwaben: Another Volksbanken Raiffeisenbanken cooperative bank operating in the adjacent Allgäu-Oberschwaben region, with comparable retail/corporate/private-banking product suite and similar scale.

Others

• DZ Bank: Central institution of the Genossenschaftliche FinanzGruppe; provides the cooperative-banking group's shared technology (VR Banking App, Wero), card issuing, and treasury functions used by Volksbank Bodensee-Oberschwaben.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/volksbank-bodensee-oberschwaben

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 Bodensee-oberschwaben Eg