Volksbank Pur Eg

What Volksbank Pur Eg does

Volksbank pur eG is a German cooperative bank (eingetragene Genossenschaft) headquartered at Ludwig-Erhard-Allee 1, 76131 Karlsruhe, serving retail, corporate, private banking, and NextGen (digital-native) customers across the Karlsruhe, Pforzheim, Baden-Baden, and Enzkreis regions of Baden-Württemberg. The bank operates an omnichannel model combining a regional branch network with digital channels including an OnlineBanking portal, the VR Banking App, the WohnenPUR online real estate portal, video identification for onboarding, and a KI-Chatbot for automated customer service. Its core products center on the VBpur Girokonto (current account) as the primary relationship anchor, supplemented by fixed-term deposits (DAS FESTgeld at 2.3% p.a.), mortgage financing (Immobilienfinanzierung), and distribution of partner products — R+V and SDK insurance, Bausparkasse Schwäbisch Hall savings/loans, Union Investment funds, and TeamBank easyCredit installment loans. Technology relies on a standard German cooperative banking stack (Banking Portal, OnlineBanking, VR Banking App) with TeamViewer for remote support and EBICS for business banking connectivity.

The bank's revenue model is spread- and fee-based: net interest income from loan/deposit spreads, transaction and account fees (cards, girocard, Mastercard/Visa, giropay, Wero, Apple Pay), commission from insurance and investment fund distribution, and real estate brokerage through Volksbank pur Immobilien GmbH & Co. KG. Member-owned cooperative status (members receive annual dividends) and affiliation with the Volksbanken Raiffeisenbanken federation underpin a member-engagement marketing model anchored by community sponsorships (DAS FEST Karlsruhe, Entenrennen Baden-Baden, school outdoor classrooms) and a loyalty program (MeinPlus). Marketing spans LinkedIn, Facebook, Instagram, TikTok, Xing, and Kununu. The bank also maintains a real estate ecosystem linking its proprietary WohnenPUR portal with the network-wide Wohnglueck marketplace.

Name

Volksbank Pur Eg

Legal name

Volksbank pur eG

Website

https://volksbank-pur.de

Company type

Private

Founded year

1858

Operating status

Operating

Headcount range

1,001–5,000 employees

Short description

Volksbank pur eG is a German cooperative bank serving retail, corporate, private banking, and NextGen customers across the Karlsruhe, Pforzheim, Baden-Baden, and Enzkreis regions of Baden-Württemberg, offering checking, deposits, mortgages, and partner-distributed insurance, investment, and Bauspar products through branches and digital channels.

Ownership category

akta.pro rank

Headquarters

HQ city

Karlsruhe

HQ country

Germany

HQ region

Europe

Offices2 records

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: As a cooperative bank (Kreditinstitut), Volksbank Pur generates revenue primarily through interest spreads on loans (Immobilienfinanzierung, Konsumentenkredite) and deposits (Tagesgeld, Festgeld products such as DAS FESTgeld at 2.3% p.a.).
2. Commission & Fee Income: Fees from account management (Girokonto), payment services (cards, Überweisungsverkehr, Lastschriftverkehr), and securities brokerage (Wertpapiergeschäfte). The bank also offers Mastercard and Visa credit cards.
3. Insurance Distribution: The bank distributes insurance products from partners including R+V Versicherung and Süddeutsche Krankenversicherung, earning commission revenue.
4. Investment & Bauspar Products: Distribution of investment funds through Union Investment and Bauspar products via Bausparkasse Schwäbisch Hall, generating ongoing commission income.
5. Real Estate Services: Through WohnenPur online portal and Volksbank pur Immobilien GmbH & Co. KG, the bank facilitates property buying, selling, and financing, including mortgage lending.

Pricing tiers

Go-to-market motion1 record

Distribution channels5 records

Marketing channels8 records

Core offering

Volksbank pur eG is a cooperative bank that offers retail, corporate, and private banking customers in the Karlsruhe/Pforzheim region of Baden-Württemberg a full suite of financial products and services, including current accounts (VBpur Girokonto), term deposits (VBpur DAS FESTgeld), mortgage and consumer lending (Immobilienfinanzierung), insurance distribution through R+V Versicherung and Süddeutsche Krankenversicherung, investment funds via Union Investment, Bauspar products via Bausparkasse Schwäbisch Hall, and real estate services through the WohnenPUR portal and Volksbank pur Immobilien GmbH & Co. KG. Members receive annual dividends on their cooperative shares under the bank's motto "Meine Bank gehört mir." The bank operates an omnichannel model combining physical branches with digital self-service via the OnlineBanking portal, VR Banking App, video identification, and a KI-powered chatbot.

Product overview

Volksbank pur eG operates as a cooperative bank (Volksbank) serving retail, corporate, and private banking customers in the Pforzheim/Karlsruhe region of Baden-Württemberg. The core offering centers on the VBpur Girokonto (checking account) as the primary customer relationship, supplemented by the VBpur DAS FESTgeld fixed-term deposit product. Digital banking is delivered through the OnlineBanking/Banking Portal and VR Banking App, while the WohnenPUR online portal addresses all real estate needs from financing through management. The MeinPlus loyalty program provides member benefits including cashback on services. Additional digital services include video-based identity verification, a KI-Chatbot for customer inquiries, TeamViewer-based remote support, and SecureGo-plus two-factor authentication. The bank maintains partnerships with insurance providers (R+V), building societies (Bausparkasse Schwäbisch Hall), investment firms (Union Investment), and payment systems (giropay, Wero, Apple Pay, girocard, Mastercard/Visa).

Differentiator

Problem solved

Functional benefit

Brands

• WohnenPUR: Online portal for all real estate-related services including buying, selling, financing, and managing property
• MeinPlus
• VBpur DAS FESTgeld
• Genostore

Products and services

• VBpur Girokonto
• VBpur DAS FESTgeld
• Immobilienfinanzierung
• WohnenPUR
• OnlineBanking / Banking Portal
• VR Banking App

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration13 records

Partnerships

Nine partnerships are on record, tiered minor.

• Bausparkasse Schwäbisch HallminorChannel Partner/ Reseller/ DistributorBausparkasse Schwäbisch Hall is one of Germany's leading building societies (Bausparkassen). Volksbank Pur offers its customers access to Schwäbisch Hall savings and loan products, which can be managed through the bank's Widerruf (cancellation) portal.
• R+V VersicherungminorChannel Partner/ Reseller/ DistributorR+V Versicherung is one of the largest German insurance groups, owned by the DZ Bank Group. Volksbank Pur distributes R+V insurance products to its retail and corporate customers. Cancellation requests for R+V policies are handled via the bank's partner cancellation portal.
• Süddeutsche Krankenversicherung (SDK)minorChannel Partner/ Reseller/ DistributorSüddeutsche Krankenversicherung (SDK) is a German health insurer. The bank acts as a distribution partner for SDK health insurance products. Contract cancellations for SDK policies are facilitated through the bank's Widerruf portal.
• TeamBankminorChannel Partner/ Reseller/ DistributorTeamBank is a German direct bank specializing in installment loans (Ratenkredite) under the easyCredit brand. Customers who have taken loans via TeamBank can process cancellation requests through the bank's partner portal.
• Union InvestmentminorChannel Partner/ Reseller/ DistributorUnion Investment is the asset management arm of the DZ Bank Group and a leading provider of investment funds for German cooperative banks. Volksbank Pur distributes Union Investment funds and handles cancellations through its partner portal. The bank also links to Union Investment's legal information pages.
• Wohnen PurminorChannel Partner/ Reseller/ DistributorWohnen Pur is the bank's proprietary online real estate platform (also accessible at immobilien.volksbank-pur.de). It allows customers to manage all real estate matters digitally — buying, selling, building, modernizing, renting, and financing. It is co-branded under the Volksbank pur eG name.
• GenostoreminorChannel Partner/ Reseller/ DistributorGenostore is a partner platform accessible via the bank's website. Customers are redirected to genostore.de/VBPUR for certain partner services. The nature of the Genostore partnership relates to contract management and Widerruf processes.
• MeinPlusminorChannel Partner/ Reseller/ DistributorMeinPlus is a loyalty and benefits program offered by Volksbank Pur. Members receive 25% cashback on parking fees at the Volksbankhaus in Pforzheim. Customers register through vbpur.meinplus.de and benefit from various partner discounts.
• Wohnglueck (Volksbanken Raiffeisenbanken)minorStrategic or Co-development PartnerWohnglueck is the cooperative banking network's (Volksbanken Raiffeisenbanken) shared real estate platform, available at wohnglueck.de. It enables property search and listing across the entire cooperative banking network, offering customers a broader property marketplace beyond the bank's own inventory.

Scale indicators1 record

Recent moves6 records

Expansion highlights5 records

Emerging players

• DKB (Deutsche Kreditbank): Direct/digital bank owned by BayernLB with a strong retail deposit, checking and mortgage offering; competes with Volksbank pur for digitally active retail customers across Germany rather than purely within the cooperative ecosystem.
• ING-DiBa: Germany's largest direct bank and a major digital-first competitor for retail deposits, consumer credit, mortgages (ING-DiBa Baufinanzierung), and investment products; competes especially for the NextGen/digital customer segment Volksbank pur explicitly targets.

Direct peers

• Volksbank Kraichgau eG: Regional Volksbank cooperative in Baden-Württemberg (Heilbronn/Kraichgau area) offering the same product suite (Girokonto, mortgages, R+V insurance distribution, Union Investment funds) under the same cooperative ownership model.
• Sparda-Bank Baden-Württemberg: Member-owned cooperative-style bank (Sparda is a cooperative for the public sector) operating across Baden-Württemberg with similar retail, mortgage, and insurance distribution focus targeting a defined member base.
• VR-Bank Mittelbaden eG: Cooperative bank serving a neighbouring region in Baden-Württemberg with a comparable full-service retail, corporate, and private banking offering within the Volksbanken Raiffeisenbanken network. Structurally the closest direct peer to Volksbank pur eG.
• Volksbank eG im Kreis Rottweil: Another regional Volksbank cooperative bank in Baden-Württemberg offering comparable retail and SME banking, mortgage origination, and partner-distributed insurance and investment products within the same cooperative network.

Broad incumbents

• BW-Bank: Retail banking subsidiary of LBBW operating across Baden-Württemberg with comparable retail and SME banking products; a broad incumbent in the same regional market rather than a cooperative specialist.
• Sparkasse Karlsruhe: The local public-law savings bank operating in the same Karlsruhe/Pforzheim catchment. Offers broadly equivalent retail and corporate banking products and is the main local incumbent competitor to Volksbank pur.
• LBBW (Landesbank Baden-Württemberg): State bank of Baden-Württemberg and one of Germany's largest Landesbanken. Operates broadly in retail (via BW-Bank), corporate, real estate financing, and capital markets across the same regional footprint as Volksbank pur.

Regional players

• PSD Bank Karlsruhe-Neustadt: Local PSD Bank (a postal-employee cooperative bank) operating in the same regional area, offering retail banking, mortgage and savings products to a defined membership group within Baden-Württemberg.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/vbpur
• LinkedInlinkedin.com/company/volksbankpur
• Instagraminstagram.com/volksbank_pur
• TikToktiktok.com/@volksbank_pur

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

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 Pur Eg