Vr-bank Taufkirchen-dorfen Eg

What Vr-bank Taufkirchen-dorfen Eg does

VR-Bank Taufkirchen-Dorfen eG is a German cooperative bank (eingetragene Genossenschaft) headquartered in Taufkirchen (Vils), Bavaria, serving retail, small and medium-sized business, and private banking customers in the Taufkirchen-Dorfen region. As a member of the nationwide Genossenschaftliche FinanzGruppe Volksbanken Raiffeisenbanken cooperative banking network, it operates under the cooperative ownership model ("Meine Bank gehört mir") where customers are also member-owners. The bank distributes a full-service banking product set — giro accounts, savings, mortgage and consumer financing (Baufinanzierung, easyCredit), business loans (Unternehmerkredit up to €100,000), securities brokerage (meinDepot), insurance (via R+V, Allianz, VKB, Bausparkasse Schwäbisch Hall), Mastercard debit and credit cards, safe deposit boxes (Schließfächer), card payment terminals for merchants (Kartenterminals), and cross-border payments — primarily through network partner products rather than proprietary issuance.

Its technology stack is essentially the cooperative network's shared digital channels: the VR Banking App (iOS/Android, with Apple Pay integration for digital girocard) and an OnlineBanking web portal, supplemented by six physical bankstellen (Burgharting, Taufkirchen (Vils), Buchbach, Schwindegg, Dorfen, and formerly Moosen, which was repurposed in 2025). Five of the six branches host Schließfächer safe deposit boxes, and the Taufkirchen (Vils) branch provides 24/7 safe access. Marketing is conducted mainly through the bank's own website (vr-bank-online.de), a WhatsApp channel, and community events such as the annual Landwirtschaftsabend.

The business model is that of a traditional cooperative bank: net interest income on loans and deposits, recurring fees on accounts and cards, and commission revenue from partner product distribution (insurance, investment funds, building society products, payment terminals). Pricing is not publicly disclosed and is communicated via standard AGB/Sonderbedingungen PDFs. Customer acquisition is regional and relationship-driven, with no evidence of digital acquisition channels, paid marketing, or expansion outside the Bavarian catchment. The bank is privately held as a cooperative, has no disclosed subsidiaries, no funding rounds, and no disclosed revenue or headcount figures.

Name

Vr-bank Taufkirchen-dorfen Eg

Legal name

VR-Bank Taufkirchen-Dorfen eG

Website

https://vr-bank-online.de

Company type

Private

Founded year

1911

Operating status

Operating

Short description

VR-Bank Taufkirchen-Dorfen eG is a member-owned cooperative bank in Bavaria, Germany, providing retail, SMB, and private banking services — accounts, loans, insurance, and investments — through six regional branches and cooperative network digital channels.

Ownership category

akta.pro rank

Headquarters

HQ city

Taufkirchen

HQ country

Germany

HQ region

Europe

Offices7 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. Banking products and services: Standard cooperative banking products including current/giro accounts, savings accounts, loans and financing (Baufinanzierung, easyCredit instant credit, Unternehmerkredit business loans), investment products (meinDepot brokerage, Union Investment funds), insurance products (via Allianz, R+V, VKB partnerships), debit and credit cards (Mastercard), safe deposit boxes (Schließfächer), and cross-border payment services.

Go-to-market motion1 record

Distribution channels4 records

Marketing channels2 records

Core offering

VR-Bank Taufkirchen-Dorfen eG is a German cooperative bank (eingetragene Genossenschaft) providing full-service retail and commercial banking. It offers current accounts, savings accounts, mortgages, consumer and business credit, investment brokerage, insurance products, debit and credit cards, safe deposit boxes, card terminals, and cross-border payments. Services are delivered through six physical branches in the Taufkirchen-Dorfen region of Bavaria and digital channels including the VR Banking App and an OnlineBanking portal.

Product overview

VR-Bank Taufkirchen-Dorfen eG is a cooperative bank offering a comprehensive banking platform consisting of the OnlineBanking Portal and VR Banking App as the primary digital channels. For retail customers, the core offering includes giro accounts, the meinDepot securities brokerage, Berufsunfähigkeits-Versicherung, Mastercard debit/credit cards, easyCredit instant credit, Baufinanzierung real estate financing, and an insurance check service. For business customers, the bank provides Direktversicherung company pensions, Unternehmensnachfolge succession planning, Kartenterminals payment terminals, Unternehmerkredit business loans up to 100,000 euros, and Auslandszahlungsverkehr international payment services. Additional services include safe deposit boxes at physical branches.

Differentiator

Problem solved

Functional benefit

Brands

• VR Banking App: Mobile banking application for banking and payments
• meinDepot
• easyCredit
• Berufsunfähigkeits-Versicherung

Products and services

• VR Banking App Mobile banking application for both retail and business customers enabling banking and payments in one app, with support for digital debit cards and Apple Pay on iOS and Android.
• OnlineBanking Portal Web-based banking portal providing account access, transaction management, and contract services for customers.
• meinDepot Securities depot and brokerage service targeted at young investors for building wealth through stock market investments.
• Berufsunfähigkeits-Versicherung Occupational disability insurance protecting individuals and families from the financial consequences of inability to work, distributed in partnership with R+V Versicherung.
• Mastercard Debit- und Kreditkarten Mastercard debit and credit cards providing payment capabilities with secure authentication for personal and business customers.
• easyCredit Instant consumer credit with flexible financial terms, offered in partnership with TeamBank.
• Baufinanzierung Real estate financing services for purchasing or building property, including mortgage advisory.
• Direktversicherung Company pension scheme insurance (betriebliche Altersvorsorge) offerings for business employees, distributed in partnership with R+V Versicherung.
• Unternehmensnachfolge Succession planning advisory services for business owners addressing financial and asset-related questions.
• Kartenterminals Card payment terminals for business customers in stationary and mobile variants.
• Unternehmerkredit Business credit loans of up to 100,000 euros for new plans or deferred projects.
• Auslandszahlungsverkehr International payment services for secure and rapid execution of cross-border transactions.
• Schließfächer Safe deposit boxes available at five of six bank branches for securing valuables against theft, fire, and other risks; the Taufkirchen (Vils) location offers 24/7 access.

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Nine partnerships are on record, tiered minor and core.

• AllianzminorOthersInsurance partner listed for contract cancellation (Widerruf) processes. Customers who have taken out insurance products with Allianz can process cancellations through the Allianz website directly.
• Bausparkasse Schwäbisch HallminorOthersBuilding society partner for contract cancellation services. Customers with Bausparkasse Schwäbisch Hall products can process cancellations via the Schwäbisch Hall website.
• R+V VersicherungminorOthersInsurance partner listed for contract cancellation processes. R+V Versicherung customers can process cancellations through the R+V online portal.
• Süddeutsche Krankenversicherung (sdk)minorOthersHealth insurance partner listed for contract cancellation services. sdk policyholders can process cancellations via the sdk online portal.
• TeamBank / easyCreditminorOthersTeamBank is a partner for consumer credit products (easyCredit instant loan). The bank promotes easyCredit as a featured product on its website. easyCredit cancellations can be processed via TeamBank's website.
• Union InvestmentminorOthersInvestment fund partner for securities and investment products. Union Investment fund holders can process cancellations through Union Investment's website.
• ReisebankminorOthersTravel and currency exchange bank partner listed for contract cancellation services. Reisebank products can be cancelled via the Reisebank website.
• VKB – Versicherungskammer BayernminorOthersRegional insurance partner (Versicherungskammer Bayern) for contract cancellation processes. VKB insurance cancellations can be processed through the VKB website.
• Genossenschaftliche FinanzGruppe Volksbanken RaiffeisenbankencoreOthersThe bank is a member of the nationwide German cooperative banking network (Volksbanken Raiffeisenbanken). This network provides shared infrastructure, product partnerships (including the named insurance and investment partners), the VR Banking App ecosystem, and the VR Banking App mobile platform.

Scale indicators1 record

Recent moves5 records

Expansion highlights4 records

Emerging players

• N26 Bank GmbH: Berlin-headquartered German neobank serving retail customers with a mobile-first current account, cards and consumer credit offering. Represents the digital-native competitive pressure reshaping the German retail banking market that traditional cooperative banks like VR-Bank face.
• DKB AG: Germany's largest direct bank, owned by BayernLB, offering digital retail banking, brokerage and consumer credit. Targets the same retail deposit and lending relationships as VR-Bank with a lower-cost digital-only structure, making it the principal emerging competitive threat.

Broad incumbents

• ING-DiBa AG: German branch of ING Group and one of the country's largest retail banks. Competes directly with VR-Bank for retail deposits, mortgage lending (ING-DiBa Baufinanzierung) and consumer credit through a digital-first model, with substantially greater scale and brand recognition.

Direct peers

• PSD Bank München eG: Bavarian cooperative bank serving retail and public-sector customers through a similar branch-plus-digital model. Comparable in cooperative structure, deposit-taking and consumer credit focus, though with a more specialized target clientele.
• GLS Bank eG: Germany's largest cooperative ecological-ethical bank, operating as an eingetragene Genossenschaft with nationwide reach. Comparable in cooperative ownership ethos and member-driven product offering, though differentiated by sustainability positioning and digital-first customer acquisition.
• Volksbank Raiffeisenbank Bayern Mitte eG: Large Bavarian Volksbanken Raiffeisenbanken cooperative bank covering parts of Upper Bavaria and Lower Bavaria overlapping the Taufkirchen-Dorfen region. Same cooperative ownership, same network product partners and same hybrid distribution model — highly comparable on funding mix and lending economics.
• VR-Bank München Land eG: Larger Volksbanken Raiffeisenbanken cooperative bank in the Munich metropolitan area. Comparable in cooperative governance, product suite and hybrid distribution, and a relevant benchmark for scale economics, digital adoption and member growth in the Bavarian market.
• VR-Bank Erding eG: Neighbouring Volksbanken Raiffeisenbanken cooperative bank serving the Erding district adjacent to Taufkirchen-Dorfen in Upper Bavaria. Operates the same cooperative ownership model, network product partnerships and hybrid branch+app distribution — making it a near-perfect comparable for deposit, lending and SME banking economics.
• Sparda-Bank München eG: Munich-based cooperative bank (eG) targeting retail customers, with shared Genossenschaftliche FinanzGruppe membership. Comparable in cooperative governance, retail deposit focus and network-product distribution, though larger and more urban-centric than VR-Bank Taufkirchen-Dorfen.
• Kreissparkasse Erding: Local Sparkasse (public-law savings institution) covering the same Upper Bavarian geography as VR-Bank Erding, directly adjacent to the Taufkirchen-Dorfen catchment. Closest parallel in product mix and SME retail lending, competing head-to-head for the same household and business deposits.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks5 records

Key highlights5 records

Customer concentration

• Xwhatsapp.com/channel/0029VaTtja135fLySd2fY53U
• LinkedInlinkedin.com/company/vr-bank-taufkirchen-dorfen-eg

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

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M&A

Investments

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Frequently asked questions about Vr-bank Taufkirchen-dorfen Eg