VR-Bank Coburg eG

Name

VR-Bank Coburg eG

Legal name

VR-Bank Coburg eG

Website

https://vrbank-coburg.de

Company type

Private

Operating status

Operating

Headcount range

101–250 employees

Ownership category

akta.pro rank

Headquarters

HQ city

Coburg

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, Others

Revenue model

1. Interest Income: Traditional banking revenue from interest on loans, mortgages, and credit facilities including MacherKonto, Unternehmerkredit (up to 100,000 EUR), and easyCredit instant loans.
2. Account & Transaction Fees: Fees from Girokonto, Geschäftskonto, and payment services including Auslandszahlungsverkehr (international payments).
3. Investment & Savings Products: Revenue from fund-based savings plans (MacherSparplanPlus), fixed-term deposits (Festgeld), online brokerage, and membership-based savings products (MeineRücklage).
4. Insurance & Financial Services Commissions: Commissions from insurance partnerships including R+V Versicherung, Direktversicherung (occupational pension), and other partner products.

Go-to-market motion1 record

Distribution channels5 records

Marketing channels7 records

Core offering

VR-Bank Coburg eG is a German cooperative bank providing retail and business banking products including current accounts (MacherKonto, Geschäftskonto), savings and investment products (MeineRücklage, MacherSparplanPlus, Festgeld, Online-Brokerage), consumer and business loans (easyCredit instant loan, Unternehmerkredit up to €100,000), Mastercard debit and credit cards, international payments (Auslandszahlungsverkehr), insurance brokerage (Direktversicherung, R+V Versicherung), cooperative membership, and real estate services via its subsidiary VR-Bank Immobilien GmbH. The bank also operates the VR-Bank TicketShop for event ticketing. Distribution combines digital channels (OnlineBanking, VR Banking App) with physical branches and personal advisory services in the Coburg Sonneberg region.

Product overview

VR-Bank Coburg eG is a German cooperative bank (Genossenschaftsbank) serving retail customers, business customers (Firmenkunden), and young customers (Junge Kunden) across the Coburg Sonneberg region. Its product portfolio is organized as a comprehensive financial services platform encompassing: (1) Retail banking products — MacherKonto (loyalty-checking account), MeineRücklage (instant-access savings), MacherSparplanPlus (regular savings plan with fund management), debit/credit cards (Mastercard), Festgeld (fixed-term deposits), easyCredit instant loan (via TeamBank), and Online-Brokerage (DZ Bank-powered securities trading); (2) Business banking — Geschäftskonto (business account), Unternehmerkredit (up to €100,000 business loan), Auslandszahlungsverkehr (international payments), Direktversicherung (company pension), and Unternehmensnachfolge (succession advisory); (3) Advisory services — VR-ServiceCenter (extended hours service), Private Banking, and MeineRücklage for financial planning; (4) Digital channels — VR Banking App (mobile app combining banking and payments), OnlineBanking portal (web-based), and online appointment booking; (5) Supplementary services — VR-Bank TicketShop (event ticketing), VR-Bank Immobilien GmbH (real estate subsidiary), membership (Mitgliedschaft as a cooperative member). The bank also offers products via partners in the Genossenschaftliche FinanzGruppe Volksbanken Raiffeisenbanken, including Bausparkasse Schwäbisch Hall, R+V Versicherung, and Union Investment.

Differentiator

Problem solved

Functional benefit

Brands

• MacherKonto: A checking account product with TreueBonus (loyalty bonus) feature for customers.
• MeineRücklage
• MacherSparplanPlus
• easyCredit
• Online-Brokerage
• Festgeld
• Geschäftskonto
• Unternehmerkredit
• Auslandszahlungsverkehr
• Direktversicherung
• Unternehmensnachfolge
• VR Banking App

Products and services

• MacherKonto
• MeineRücklage
• MacherSparplanPlus
• Mitgliedschaft (Cooperative Membership)
• Debit- und Kreditkarten (Mastercard)
• Festgeld
• easyCredit (Sofortkredit)
• Online-Brokerage
• Geschäftskonto
• Unternehmerkredit
• Auslandszahlungsverkehr
• Direktversicherung
• Unternehmensnachfolge
• VR Banking App
• OnlineBanking / Banking Portal
• VR-Bank Immobilien GmbH
• VR-Bank TicketShop

Segments4 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration3 records

Partnerships

Nine partnerships are on record, tiered minor and core.

• Caritasverband CoburgminorGTM or Marketing Partner · 2 June 2026Charitable partnership. VR-Bank Coburg donated a VRmobil (mobile service vehicle) to Caritas Coburg as a donation from the region for the region.
• Bausparkasse Schwäbisch HallcoreChannel Partner/ Reseller/ DistributorPartnership for building savings (Bausparen) products. VR-Bank Coburg offers Bausparkasse Schwäbisch Hall products through its platform, allowing customers to manage contracts and process cancellations via the bank's website.
• R+V VersicherungcoreChannel Partner/ Reseller/ DistributorInsurance partnership providing R+V Versicherung products. Customers can process insurance-related cancellations through the VR-Bank Coburg platform.
• Süddeutsche Krankenversicherung (sdk)minorChannel Partner/ Reseller/ DistributorHealth insurance partnership. VR-Bank Coburg provides access to sdk health insurance cancellation services through its platform.
• TeamBank (easyCredit)coreTechnology or IntegrationPartnership for instant credit products. TeamBank's easyCredit instant loan is offered through VR-Bank Coburg with online calculation tools accessible via the bank's website.
• Union InvestmentcoreChannel Partner/ Reseller/ DistributorInvestment fund partnership providing access to Union Investment products. Cancellation services for Union Investment contracts are available through the bank's platform.
• VKB – Versicherungskammer BayernminorChannel Partner/ Reseller/ DistributorBavarian insurance partnership. VR-Bank Coburg offers access to VKB insurance cancellation services via its platform.
• DZ BankcoreStrategic or Co-development PartnerPart of the DZ Bank cooperative banking network (Genossenschaftliche FinanzGruppe). DZ Bank provides market information services including trading desk data and brokerage capabilities referenced on the bank's website.
• VR-Bank Immobilien GmbHcoreStrategic or Co-development PartnerReal estate services subsidiary of VR-Bank Coburg. The subsidiary serves as a trustworthy partner for all real estate-related questions, offering property buying, selling, and financing services.

Scale indicators1 record

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• TARGOBANK GmbH: Major German consumer bank with retail deposits, consumer credit, and brokerage focus. Direct competitor for personal loans, checking accounts, and investment products in the mass retail segment that VR-Bank Coburg's MacherKonto and easyCredit target.
• HypoVereinsbank (UniCredit Bank GmbH): Large Bavarian-headquartered bank with extensive retail, SME, and private banking presence. Competes for retail accounts, mortgage, business banking, and private banking customers in Bavaria and beyond, with substantially larger scale and technology investment capability.
• ING-DiBa AG: Major German direct bank with strong retail deposits, consumer credit, and brokerage franchise. Competes directly with VR-Bank Coburg's MacherKonto, easyCredit, and Online-Brokerage products at national scale and with substantially larger technology investment capacity.
• Sparkassen-Finanzgruppe (DSGV network): Wider German savings institution network providing institutional context for VR-Bank Coburg's cooperative model. Sparkassen compete with Volksbanken Raiffeisenbanken across all major retail/business banking segments and represent the broader established cooperative competitor set.
• Commerzbank AG: One of Germany's largest commercial banks with full retail, SME, and corporate banking capabilities. Broadly competes in business accounts (Geschäftskonto equivalent), business lending, and international payments — segments where VR-Bank Coburg's Unternehmerkredit and Auslandszahlungsverkehr compete.

Emerging players

• DKB AG (Deutsche Kreditbank): Digital-focused German bank competing aggressively for retail deposits, brokerage, and consumer credit customers. Represents the digital-native competitive threat to traditional regional banks' mass-market revenue streams, with superior mobile experience and lower operating costs.

Direct peers

• Volksbank Raiffeisenbank München eG: Bavarian Volksbanken Raiffeisenbanken cooperative bank offering the same retail/business/private banking suite under the same Genossenschaftliche FinanzGruppe umbrella as VR-Bank Coburg. Directly comparable in product portfolio, partnership ecosystem, and member-ownership governance.
• Sparda-Bank München eG: Major Bavarian cooperative bank serving retail and business customers with similar product breadth (accounts, loans, investments, insurance partnerships). Comparable member-owned structure, German cooperative governance, and physical+digital distribution model make it a structurally analogous peer.
• Sparkasse Coburg-Lichtenfels: Local savings bank serving the same Coburg region with comparable retail and business banking products. Operates under the Sparkassen cooperative framework (similar to VR-Bank Coburg's cooperative model) and represents the most direct geographic competitor for retail accounts, mortgages, and SME banking in the Coburg market.
• Münchner Bank eG: Smaller Bavarian cooperative bank with traditional retail and business banking focus. Comparable in member-owned cooperative structure, regional scope, and product breadth (accounts, lending, investments, insurance distribution via partners).

Market position

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights6 records

Customer concentration

• Xtiktok.com/@vrbankcoburg
• YouTubeyoutube.com/@vrbankcoburg
• Facebookfacebook.com/vrbankcoburg
• LinkedInlinkedin.com/company/vrbankcoburg
• Instagraminstagram.com/vrbankcoburg

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 records

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 VR-Bank Coburg eG