raiffeisenbank aidlingen eg

What raiffeisenbank aidlingen eg does

Raiffeisenbank Aidlingen eG is a member-owned German cooperative bank headquartered in Aidlingen, serving private customers, regional small and medium-sized businesses, and entrepreneurs. It provides current and business accounts, savings, debit and credit cards, domestic and international payments, consumer and business lending, real-estate services, investments, retirement planning, and personal and business insurance. Its operating model combines local branch distribution with digital self-service through Online-Geschäftsstelle, OnlineBanking, the VR Banking App, mobile payments, Wero, and online appointment booking.

The bank uses shared cooperative-banking infrastructure and specialist partners rather than a disclosed proprietary core platform. DZ Bank's meinKrypto application, with Börse Stuttgart Digital custody, supports MiCA-compliant crypto services; Union Investment supplies the Altersvorsorgedepot planned for January 2027; and R+V Versicherung and TeamBank provide insurance and easyCredit capabilities. Revenue is indicated by the €7 monthly Komplettkonto, payment-processing charges, and recurring or transaction-based distribution of lending, investment, and insurance products.

Name

raiffeisenbank aidlingen eg

Legal name

Raiffeisenbank Aidlingen eG

Website

https://ihrziel.de

Company type

Private

Operating status

Operating

Short description

Raiffeisenbank Aidlingen eG is a German cooperative bank serving private customers, regional SMEs, and entrepreneurs with accounts, payments, lending, investments, insurance, and digital banking through branches, group-supported platforms, and partner networks.

Ownership category

akta.pro rank

Product category

Cooperative Retail Banking

NAICS

Commercial Banking (52211), Depository Credit Intermediation (5221)

SIC

National Commercial Banks (6021)

akta.pro primary industry

Bank Connectivity & Channels (Host-to-host, SWIFT, APIs, EB portals) (FSABAIAF)

akta.pro secondary industry

Crypto Payment Gateways & Checkout APIs (FSADAIAA)

Keywords

• Cooperative banking
• Retail banking
• Business lending
• Savings accounts
• Payment services

Headquarters

HQ city

Aidlingen

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. Retail Banking Services: Core banking services including current accounts (Girokonto), savings accounts, and payment services for private and business customers.
2. Lending Products: Credit facilities including consumer loans (easyCredit, Modernisierungskredit), business loans (Unternehmerkredit up to 100,000 EUR), and real estate financing.
3. Investment Products: Investment products through Union Investment partnership, including the upcoming Altersvorsorgedepot (retirement savings depot) launching January 2027.
4. Insurance Products: Insurance products through R+V Versicherung, including private liability insurance, occupational disability insurance, and direct insurance for employees.
5. Payment Processing: Cashless payment acceptance services for business customers (Bargeldlos Kassieren) and mobile payment solutions.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels4 records

Core offering

Raiffeisenbank Aidlingen eG is a regional cooperative bank (Genossenschaftsbank) headquartered in Aidlingen, Germany, offering retail and business banking services including current accounts, savings products, consumer and business lending, payment processing, investment products, and insurance solutions. As a member of the Volksbanken Raiffeisenbanken cooperative network, it combines local branch presence with digital channels such as the VR Banking App, OnlineBanking, and the Wero instant payment system, while leveraging partnerships with DZ Bank, Union Investment, R+V Versicherung, and TeamBank for specialized offerings.

Product overview

Raiffeisenbank Aidlingen eG is a German cooperative bank (Genossenschaftsbank) offering a comprehensive portfolio of banking products and services. The bank's offerings are organized around three main customer segments: private customers (Privatkunden), business customers (Firmenkunden), and membership services. For private customers, the core offerings include Girokonto (current account), Tagesgeld and Gewinnsparen (savings products), easyCredit and Modernisierungskredit (lending products), debit/credit cards, and the Altersvorsorgedepot retirement savings product. For business customers, key products include Geschäftskonto (business account), Unternehmerkredit, Bargeldlos Kassieren (payment processing), Firmentagesgeld (business savings), and international services like Auslandszahlungsverkehr. The bank provides digital banking services through its OnlineBanking platform, VR Banking App, and VR SecureGo plus App for secure transaction authorization. Insurance products including Direktversicherung and Berufshaftpflicht-Versicherung are offered through partnerships with R+V Versicherung. The bank also participates in the Wero instant payment ecosystem shared by Volksbanken and Raiffeisenbanken. The Altersvorsorgedepot, launching in 2027 in partnership with Union Investment, represents a new state-subsidized retirement savings option.

Differentiator

Problem solved

Functional benefit

Products and services

• Girokonto Current account for private customers providing complete financial management capabilities including online banking access and debit/credit card options.
• Wero Instant payment service allowing users to send money or pay online using just a mobile phone number, part of the Volksbanken Raiffeisenbanken digital payment ecosystem.
• VR Banking App Mobile banking application enabling private and business customers to conduct banking transactions on the go with enhanced security features.
• easyCredit Instant credit product from partner TeamBank offering financial flexibility with immediate calculation and conclusion options for private customers.
• OnlineBanking Digital banking platform allowing customers to manage their finances anytime and anywhere via PC or mobile device.
• Komplettkonto Comprehensive account package at 7.00 EUR per month bundling multiple banking services and benefits for private customers.
• Tagesgeld Flexible savings account without fixed terms for building wealth, offering immediate access to funds.
• Gewinnsparen Prize-linked savings product combining saving, winning opportunities, and charitable giving.
• Geschäftskonto Business current account for SMEs enabling simple payment processing and comprehensive business banking services.
• Unternehmerkredit Business credit product for new plans or deferred investments up to 100,000 euros for SMEs.
• Bargeldlos Kassieren Cashless payment acceptance solution for businesses offering favorable conditions.
• Auslandszahlungsverkehr International payment processing service enabling secure and fast cross-border transactions for business customers.
• Firmentagesgeld Business savings deposit account offering secure money investment options for corporate customers.
• Berufshaftpflicht-Versicherung Professional liability insurance from partner R+V providing comprehensive protection against financial consequences of business errors or accidents.
• Direktversicherung (R+V) Company-provided life insurance policy for employees as part of occupational pension schemes, offering tax advantages and employee retention benefits for business customers.
• Modernisierungskredit Credit product for home renovation and modernization projects or sustainability improvements with online application option.
• Dispokredit Overdraft facility for bridging temporary financial shortfalls with interest charged only on used amounts.
• Altersvorsorgedepot State-subsidized retirement savings depot launching January 2027, combining fund-based capital market investment with government subsidies for retirement planning.
• Debit- und Kreditkarten Mastercard and Visa debit and credit cards providing comprehensive payment capabilities for customers.
• Private Haftpflicht-Versicherung Private liability insurance from partner R+V protecting against costs arising from accidents or mishaps.

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

Nine partnerships are on record, tiered core and supporting.

• DZ BankcoreTechnology or Integration · 24 August 2026Raiffeisenbank Aidlingen eG uses DZ Bank's 'meinKrypto' application for providing crypto custody services to customers. This partnership enables the bank to offer EU MiCA-compliant crypto-asset services as one of the six cooperative/Raiffeisen banks added to the European Securities and Markets Authority register.
• Börse Stuttgart DigitalcoreTechnology or IntegrationProvides crypto asset custody infrastructure for the meinKrypto platform, enabling secure storage of cryptocurrency assets for Raiffeisenbank customers under the EU MiCA regulatory framework.
• Union InvestmentcoreTechnology or IntegrationProvider of the Altersvorsorgedepot (retirement savings depot) product launching January 2027. Union Investment will provide fund-based capital market investments with optional guarantee products for retirement savings.
• R+V VersicherungcoreTechnology or IntegrationPrimary insurance partner offering products including private liability insurance, occupational disability insurance, and company pension schemes (Direktversicherung) for both private and business customers.
• TeamBank (easyCredit)coreChannel Partner/ Reseller/ DistributorProvides the easyCredit instant loan product offered through the bank's platforms, enabling flexible consumer financing with financial scope.
• Bausparkasse Schwäbisch HallsupportingTechnology or IntegrationBuilding savings partner for contract cancellation services, allowing customers to manage their building savings contracts through the bank's portal.
• SDK – Süddeutsche KrankenversicherungsupportingTechnology or IntegrationHealth insurance partner for contract cancellation services, enabling customers to manage health insurance contracts through the bank's platform.
• Volksbanken Raiffeisenbanken NetworkcoreStrategic or Co-development PartnerThe broader cooperative banking network affiliation provides shared infrastructure, products, and services including the VR Banking App, WERO payment system, and access to specialized banking expertise and solutions.
• GENO EnergiesupportingTechnology or IntegrationEnergy partner for contract cancellation services, allowing customers to manage their energy contracts through the bank's platform.

Scale indicators1 record

Recent moves3 records

Expansion highlights4 records

Direct peers

• Volksbank in der Region: Other regional Volksbanken Raiffeisenbanken cooperative banks in Germany operating under the identical cooperative model, product suite, and technology stack (VR Banking App, WERO, meinKrypto). They are the closest like-for-like peers given identical legal form, partner network, and product catalog.
• Sparkasse: German savings banks (Sparkassen) are the structural counterpart to cooperative banks, serving retail and SME customers through regional branch networks under a public-law mandate. They compete head-to-head with Raiffeisenbank Aidlingen eG for the same regional private and business customers.

Regional players

• Volksbank Baden-Baden Rastatt: A regional cooperative bank in neighboring Baden-Württemberg. While not in the same micro-region, it operates the same cooperative model, same product suite, and competes for similar SME and retail customers in adjacent geography.
• Kreissparkasse Böblingen: The local savings bank serving the Böblingen district which includes Aidlingen. It is the most direct local competitor, offering the same retail, business, and lending products to overlapping customers in the same regional catchment.

Broad incumbents

• ING Germany: A major digital-first direct bank in Germany competing for the same retail and SME banking customers with a branchless model. ING represents the broader incumbent that pressures regional cooperative banks on price, digital UX, and product breadth.
• Commerzbank: A large German commercial bank serving retail, SME, and corporate segments with a national branch network and digital channels. It is a broader incumbent competing for the same Mittelstand SME customers that Raiffeisenbank Aidlingen eG targets.
• HypoVereinsbank (UniCredit): A major German commercial bank with full retail, SME, and corporate banking offerings. It serves as a broader incumbent competing for SME and affluent retail customers across Baden-Württemberg with a more extensive product portfolio than a regional cooperative bank.
• DZ Bank: DZ Bank is the central institution and primary partner of the Volksbanken Raiffeisenbanken cooperative network. It is a broader incumbent that provides the meinKrypto custody infrastructure, capital markets, and wholesale services that Raiffeisenbank Aidlingen eG relies on, and operates across the entire cooperative group rather than a single region.

Others

• Bausparkasse Schwäbisch Hall: A building society partner within the cooperative financial group that offers Bauspar (home savings) contracts distributed through Raiffeisenbank Aidlingen eG's channels. It is an ecosystem/partner relationship rather than a direct competitor, but its product set overlaps with the bank's real estate financing offerings.

Emerging players

• N26: A Berlin-based digital challenger bank offering retail current accounts, payments, and increasingly investment and credit products in Germany. It competes for the same digitally-native retail customers that Raiffeisenbank Aidlingen eG's VR Banking App targets.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• Instagraminstagram.com/ihrziel
• LinkedInlinkedin.com/company/ihrziel

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 →

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