rvs raiffeisen vertrieb und service

What rvs raiffeisen vertrieb und service does

RVS Raiffeisen Vertrieb und Service GmbH is a private limited company (GmbH) headquartered in Graz, Austria, and a wholly-owned subsidiary of Raiffeisen-Landesbank Steiermark AG. The company functions as the dedicated distribution and service arm for the Raiffeisen Bankengruppe Steiermark, focused on personal insurance (Personenversicherung), property insurance (Sachversicherung), building savings (Bausparen), and housing promotion (Wohnbauförderung). It serves both private individuals and business customers in the Styria region, reaching them through approximately 270 Raiffeisen bank branches and supplementing physical advisory with digital channels including the Mein ELBA online and mobile banking platform, the Mein ELBA app, the RaiPay mobile wallet, the Börse360° capital market app, and a video consultation service.

The company's core distribution relationship is anchored by a long-standing partnership with Raiffeisen Bausparkasse Gesellschaft m.b.H. — a 65-year heritage building savings brand — and an agency arrangement with UNIQA Österreich Versicherung AG for the underwriting of insurance products. RVS also distributes other products of the Raiffeisen group, including WILL digital wealth management and the Fuhrpark fleet management app. Its technology stack is built on the Raiffeisen group's shared digital banking infrastructure, with Raiffeisen Software GmbH and RAITEC GmbH providing development and operational technology, and PSA Payment Services Austria GmbH handling payment card and ATM operations.

RVS generates revenue primarily through affiliate-based commissions on insurance products distributed through the Raiffeisen branch network and through recurring revenue from building savings and housing promotion products. Pricing is not publicly disclosed; it is determined through branch-based consultation rather than standardized online channels. The company operates within a single geographic market (Styria) and serves a horizontally segmented customer base of private individuals and SMEs, including agricultural businesses. As a regional distribution entity within one of Austria's largest banking groups, RVS's strategic role is channel-driven cross-selling rather than independent product development.

Name

rvs raiffeisen vertrieb und service

Legal name

RVS Raiffeisen Vertrieb und Service GmbH

Website

https://rvs-stmk.at

Company type

Private

Operating status

Operating

Short description

RVS Raiffeisen Vertrieb und Service GmbH is a Styria-based distribution and service subsidiary of Raiffeisen-Landesbank Steiermark AG, distributing personal and property insurance, building savings, and housing promotion products through approximately 270 Raiffeisen bank branches to private and business customers in Austria.

Ownership category

akta.pro rank

Product category

Insurance and Building Savings Distribution

NAICS

Insurance Agencies and Brokerages (524210), Depository Credit Intermediation (5221)

SIC

Insurance Agents, Brokers & Service (6411), Loan Brokers (6163)

akta.pro primary industry

SBA/Government-Backed & Development Finance Loans (FSAKAGAI)

akta.pro secondary industries

Deposit Operations (Account Maintenance, Fees, Reconciliations) (FSABALAE), Loan Operations & Servicing (Consumer/SME/Corporate) (FSABALAD), Corporate Cards & Expense Solutions (T&E, purchasing, fleet) (FSABAIAG)

Keywords

• Insurance distribution
• Building savings
• Personal insurance advisory
• Housing promotion services
• Pension planning consulting

Headquarters

HQ city

Graz

HQ country

Austria

HQ region

Europe

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance Distribution: RVS distributes personal insurance (Personenversicherung) and property insurance (Sachversicherung) products through the Raiffeisen bank branch network in Styria, earning commission-based revenue from insurance products
2. Building Savings & Housing Promotion: Distribution of Raiffeisen Bausparkasse building savings products and housing promotion (Wohnbauförderung) services, generating revenue through product sales and ongoing account management

Go-to-market motion1 record

Distribution channels4 records

Marketing channels4 records

Core offering

RVS Raiffeisen Vertrieb und Service GmbH functions as the distribution and service arm of Raiffeisen-Landesbank Steiermark AG, distributing personal insurance (Personenversicherung), property insurance (Sachversicherung), building savings products (Bausparen), and housing promotion services (Wohnbauförderung) to private individuals and businesses in Styria, Austria. These offerings are delivered through approximately 270 Raiffeisen bank branches and supported by digital banking tools including Mein ELBA online and mobile banking, mobile apps, and remote video consultation.

Product overview

RVS Raiffeisen Vertrieb und Service GmbH operates as a distribution and service company within the Raiffeisen Bankengruppe Steiermark, providing retail and business banking products. The core offering is the Mein ELBA online and mobile banking platform, complemented by mobile applications (Mein ELBA-App, RaiPay, Börse360°-App, Fuhrpark App), video consultation services, and insurance/vintage savings products. The portfolio includes personal insurance (Personenversicherung), property insurance (Sachversicherung), building savings (Bausparen), and digital wealth management (WILL). The company distributes products across approximately 270 Raiffeisen bank branches in Styria, Austria, serving retail and business customers.

Differentiator

Problem solved

Functional benefit

Products and services

• Personenversicherung Personal insurance products including life and health coverage providing financial security for individuals and families in Styria, Austria.
• Sachversicherung Property and casualty insurance solutions protecting customer assets and valuables, distributed to private customers in Styria through Raiffeisen bank branches.
• Bausparen & Wohnbauförderung Building savings (Bausparen) and housing promotion (Wohnbauförderung) products providing the foundation for homeownership and property financing for customers in Styria.
• Videoberatung (Video Consultation) Remote video-based financial advisory service allowing customers to receive personalized banking and insurance consultation via secure video connection with digital signature capability, available weekdays.

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Partnerships

Seven partnerships are on record, tiered core and supporting.

• Raiffeisen-Landesbank Steiermark AGcoreStrategic or Co-development PartnerRVS operates as the distribution and service company for the Raiffeisen-Landesbank Steiermark AG, distributing insurance and building savings products through the Raiffeisen bank branch network. The two entities share the same headquarters location and work in integrated partnership.
• Zentrale RaiffeisenwerbungcoreGTM or Marketing PartnerCentral Raiffeisen advertising organization located in Vienna that coordinates the joint communication, advertising, and public relations activities for the Raiffeisen banking group. RVS operates under the coordinated marketing efforts of this entity.
• Raiffeisen Bausparkasse Gesellschaft m.b.H.coreStrategic or Co-development PartnerRVS distributes Raiffeisen building savings (Bausparen) products, which are originated by Raiffeisen Bausparkasse. This partnership has a 65-year heritage and is a core product offering.
• UNIQA Österreich Versicherung AGcoreChannel Partner/ Reseller/ DistributorRVS distributes insurance products as an agent for UNIQA, one of Austria's leading insurance companies. The insurance products offered through Raiffeisen branches are underwritten by UNIQA.
• Raiffeisen Software GmbHsupportingTechnology or IntegrationSoftware development partner for Raiffeisen digital banking solutions including Mein ELBA and other digital platforms used by RVS for service delivery.
• RAITEC GmbHsupportingTechnology or IntegrationIT operations and systems management partner providing infrastructure and operational technology services for Raiffeisen banking systems.
• PSA Payment Services Austria GmbHsupportingTechnology or IntegrationPayment services provider handling payment card transactions, ATM operations, and the PSA contract for interbank payment services that enables card acceptance at Raiffeisen terminals.

Scale indicators3 records

Recent moves5 records

Expansion highlights4 records

Direct peers

• Sparkasse Versicherung: Insurance distribution arm operating through Austria's Sparkassen/Haas branch network, structurally analogous to RVS's role inside the Raiffeisen Bankengruppe — both are tied-in agent models for banking-cooperative branch networks.
• Volksbank Vertrieb: Austria's other major cooperative banking distribution arm (Volksbank group). Mirrors RVS's model of distributing insurance, building savings, and banking products through a regional cooperative branch network.
• Wüstenrot: Austrian Bausparkasse and insurance distributor combining building savings with property/personenversicherung through bank and broker channels — directly comparable to RVS's Bausparen & Wohnbauförderung plus insurance offering.
• Allianz Vertrieb Österreich: Global insurer with an Austria distribution arm using tied agents, brokers, and bank partnerships; structurally comparable to RVS as an insurance distribution vehicle within a broader financial-services group.
• Generali Versicherung: Major Austrian insurer with agency and broker distribution across personal, property, and life lines; comparable distribution model to RVS within a broader European insurance group.

Broad incumbents

• UNIQA Insurance Group: RVS's insurance underwriting partner and Austria's largest health insurer; operates its own multi-channel bancassurance and direct distribution alongside RVS, making it both a partner and broad incumbent competitor.
• Wiener Städtische (Vienna Insurance Group): Leading Austrian insurer with agency and broker distribution models plus bancassurance partnerships; competes with RVS in Personenversicherung/Sachversicherung through both tied agents and direct sales.
• Erste Bank Oesterreich: Major Austrian retail bank with its own insurance distribution (via Sparkassen and Erste group) and George/digital platform; competes with RVS for retail banking, savings, and insurance customers in Styria and beyond.
• BAWAG PSK: Large Austrian retail bank offering accounts, savings (including s Bausparkasse building savings), and insurance products — competes with RVS across banking and building-savings product categories.

Regional players

• HYPO Steiermark: Regional bank headquartered in Graz, directly competing with RVS/Raiffeisen for Styrian retail, SME, and housing-finance customers; most direct local geographic competitor.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat3 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xtiktok.com/@raiffeisen
• YouTubeyoutube.com/user/raiffeisensteiermark
• Facebookfacebook.com/rlb.steiermark
• LinkedInlinkedin.com/company/rlbsteiermark
• Instagraminstagram.com/raiffeisenclub_steiermark

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 →

Frequently asked questions about rvs raiffeisen vertrieb und service