vr bank in holstein
VR Bank in Holstein eG is a member-owned cooperative bank headquartered in Pinneberg, Germany, offering retail, business, and private banking services — including accounts, savings, lending, cards, investment, and insurance — to private customers, SMEs, healthcare professionals, and real estate clients in the Holstein region via branches and digital channels.
- Company typePrivate
- Founded-
- HeadquartersPinneberg, Germany
- Headcount—
- GTM typeB2B and B2C
- OfferingServices
What vr bank in holstein does
VR Bank in Holstein eG is a member-owned cooperative bank (eingetragene Genossenschaft) headquartered in Pinneberg, Germany, serving private and business customers in the Holstein region. The bank's core product portfolio covers current accounts (Girokonto, Geschäftskonto), savings instruments including Wachstumssparen (3% guaranteed annual interest over 5 years from 2,500 Euro) and Sparbrief (from 2.15% for one year), Mastercard and Visa debit/credit cards, girocard, business credit (Unternehmerkredit up to 100,000 Euro), and online brokerage. It also distributes insurance, construction savings, investment funds, and instant credit through partnerships with R+V Versicherung, Bausparkasse Schwäbisch Hall, Union Investment, TeamBank (easyCredit), and Süddeutsche Krankenversicherung as part of the Genossenschaftliche FinanzGruppe.
vr bank in holstein firmographics
Firmographics- Name
- vr bank in holstein
- Legal name
- VR Bank in Holstein eG
- Website
- https://vb-piel.de
- Company type
- Private
- Operating status
- Operating
- Short description
- VR Bank in Holstein eG is a member-owned cooperative bank headquartered in Pinneberg, Germany, offering retail, business, and private banking services — including accounts, savings, lending, cards, investment, and insurance — to private customers, SMEs, healthcare professionals, and real estate clients in the Holstein region via branches and digital channels.
- Ownership category
- akta.pro rank
vr bank in holstein industry classification
Industry- Product category
- Cooperative Retail Banking
- NAICS
- Commercial Banking (52211), Depository Credit Intermediation (5221), Savings Institutions and Other Depository Credit Intermediation (522180)
- SIC
- National Commercial Banks (6021), State Commercial Banks (6022)
- akta.pro primary industry
- Mass-Market Consumer Deposit Banking (Checking/Savings) (FSABAAAA)
- akta.pro secondary industries
- SME Deposits & Business Accounts (Operating, Savings, CDs) (FSABABAC), Account & Balance Services (Operating accounts, statements, eBAM) (FSABAIAD)
Keywords
Where vr bank in holstein is headquartered
LocationHeadquarters
- HQ city
- Pinneberg
- HQ country
- Germany
- HQ region
- Europe
Offices1 record
Markets served
vr bank in holstein business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales
Revenue model
- Interest Income: Traditional banking revenue from lending activities including mortgages, personal loans, and business credit facilities such as the Unternehmerkredit up to 100,000 Euro.
- Deposit Taking and Savings Products: Accepts customer deposits through various savings instruments including Wachstumssparen (3% interest, 5-year term, from 2,500 Euro), Sparbrief (from 2.15% for 1 year), and standard savings accounts.
- Fee-Based Services: Revenue from account maintenance fees, transaction fees, card services (girocard, Mastercard debit/credit cards), and foreign payment services.
- Investment and Insurance Products: Distribution of investment products, insurance, and financial planning services through partnerships with Union Investment, R+V Versicherung, Bausparkasse Schwäbisch Hall, and others.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Annual | Wachstumssparen (Growth Savings): 3% annual interest rate over 5 years |
| Subscription | Annual | Sparbrief (Fixed-term Deposit): starting from 2.15% for one year |
| Transaction based/ take rate | Pay-as-you-go | Unternehmerkredit (Business Credit): up to 100,000 Euro |
Go-to-market motion1 record
Distribution channels4 records
Marketing channels4 records
vr bank in holstein product offering
Product offeringCore offering
VR Bank in Holstein eG operates as a cooperative bank (Genossenschaftsbank) headquartered in Pinneberg, Germany. It provides retail banking products (current accounts, savings, cards, brokerage, mobile banking) for private customers and business banking products (business accounts, loans up to 100,000 Euro, international payments, company insurance, succession advisory) for SMEs. Services are distributed through a regional branch network and digital channels including the VR Banking App and Online Banking portal.
Product overview
VR Bank in Holstein eG operates as a cooperative bank (Genossenschaftsbank) offering a comprehensive range of banking products and services for private customers, business customers, private banking clients, healthcare professionals (Heilberufe), and real estate services. The bank's core product portfolio includes traditional banking services such as Girokonto (current accounts), Sparbrief (fixed-term savings), and Wachstumssparen (growth savings with up to 3% interest). For digital customers, the VR Banking App and Online-Brokerage platform provide mobile and online trading capabilities. The bank also offers specialized products including moneywave (a digital-first sub-brand for young adults aged 18-30), VR-Crowd (crowdinvesting platform), and the FinanzSchnack Podcast for financial education. Business services encompass Geschäftskonto (business accounts), Unternehmerkredit (business loans up to 100,000 euros), and Unternehmensnachfolge (business succession advisory). The bank participates in the Genossenschaftliche FinanzGruppe (cooperative financial network), offering products through partners such as easyCredit (instant loans), Mastercard/Visa cards, and various insurance partners including R+V Versicherung and Bausparkasse Schwäbisch Hall.
Differentiator
Problem solved
Functional benefit
Brands
- moneywave: Digital banking upgrade for people aged 18-30 years
- VR-Crowd
- FinanzSchnack
- VR Banking App
Products and services
- Girokonto
- VR Banking App Mobile banking application enabling private and business customers to manage their finances, view accounts, and make mobile payments from anywhere at any time.
- Wachstumssparen Growth savings product offering guaranteed annual interest of up to 3% over 5 years, available from a 2,500 Euro minimum, with free account opening and maintenance.
- Sparbrief Fixed-term deposit product providing secure savings with attractive interest rates starting from 2.15% for a one-year term.
- Online-Brokerage Online trading platform enabling customers to quickly and easily trade stocks and securities at the stock exchange.
- Debit- und Kreditkarten Mastercard debit and credit cards providing customers with reliable payment capabilities for everyday purchases, cash withdrawals, and online payments with 3D Secure authentication.
- Geschäftskonto Business current account enabling commercial customers to process payments simply and efficiently for their business operations.
- Unternehmerkredit Business credit facility providing up to 100,000 Euro for new plans or deferred business projects.
- Auslandszahlungsverkehr International payment services enabling customers to safely and quickly process payment orders across national borders.
- Direktversicherung Company pension scheme (betriebliche Altersvorsorge) providing direct insurance solutions for employees as part of employee benefits offerings.
- Unternehmensnachfolge Business succession advisory service providing competent consultation for financial and asset-related questions in business succession planning.
- Immobilienvermittlung Real estate brokerage and property services for residential and commercial property transactions.
- moneywave Digital banking upgrade targeting Gen Z and young adults aged 18-30 with modern banking features and mobile-first experience, offered as an enhanced alternative to standard cooperative bank accounts.
- VR-Crowd Crowdinvesting platform enabling customers to invest diversely in regional projects and startups with potentially attractive returns.
- Banking & Service Digital service platform providing online banking access, mobile banking app, and self-service options available anytime and anywhere.
Companies that use vr bank in holstein
Customer profileSegments5 records
Ideal customer profiles5 records
vr bank in holstein technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration7 records
Feature1 record
vr bank in holstein partnerships and signals
Strategic signalPartnerships
Seven partnerships are on record, tiered minor and core.
- moneywaveminormoneywave is a digital banking upgrade for the cooperative banking system targeting young adults aged 18-30, offering modern banking features as an enhanced alternative to standard accounts.
- Bausparkasse Schwäbisch HallcoreConstruction savings provider offering Bauspar contracts as part of VR Bank's product portfolio for home financing needs.
- R+V VersicherungcoreInsurance partner providing comprehensive coverage products distributed through VR Bank to personal and business customers.
- Süddeutsche Krankenversicherung (SDK)coreHealth insurance provider offering private health insurance products through VR Bank's advisory channels.
- TeamBankcoreProvides easyCredit instant loan product with financial flexibility, offered as part of VR Bank's lending portfolio.
- Union InvestmentcoreInvestment fund partner enabling VR Bank to offer fund-based investments and wealth management solutions to customers.
- Cryptshare (Tobit Software)coreSecure encrypted file transfer solution enabling VR Bank customers to send sensitive documents securely via password-protected, time-limited server storage.
Scale indicators1 record
Recent moves6 records
Expansion highlights6 records
vr bank in holstein competitors and assessment
Company assessmentDirect peers
- Sparda-Bank: Sparda-Bank is a German cooperative banking group with regional entities that serve private and business customers with a similar member-oriented ethos. It directly competes with VR Bank in Holstein for retail and SME deposits, lending, and advisory services in overlapping German regions.
- Sparkasse: Sparkassen are Germany's regional public-sector savings banks offering nearly identical retail, SME, and wealth services to local customers. They are the closest functional substitute to VR Bank in Holstein across every product line in the same regional footprint.
- ING-DiBa: ING-DiBa is Germany's largest direct bank, competing for retail deposits, brokerage, consumer credit, and mortgage customers with a digital-first model. It is a direct competitor for the same customer segments VR Bank in Holstein targets, particularly via pricing on savings and lending.
- Targobank: Targobank is a Germany-focused retail and SME bank offering current accounts, deposits, consumer credit, and brokerage. It competes directly with VR Bank in Holstein for retail deposits, personal loans, and small business banking customers in the same German market.
- Postbank: Postbank is a German retail and SME bank offering current accounts, deposits, mortgages, and consumer credit at national scale. It competes with VR Bank in Holstein for the same mass-market consumer and SME segments via branch and digital channels across Germany.
Broad incumbents
- Volksbanken Raiffeisenbanken (BVR / DZ Bank Group): The Volksbanken Raiffeisenbanken cooperative network is the parent ecosystem to which VR Bank in Holstein belongs. It offers overlapping retail, SME, and wealth products at a national scale and competes with VR Bank in Holstein for the same member-customer base via shared infrastructure.
- Commerzbank: Commerzbank is a national full-service commercial bank offering retail, SME, and corporate banking across Germany. While broader in scope than VR Bank in Holstein, it competes directly for SME lending, business accounts, and private banking customers in the Holstein region.
- HypoVereinsbank (UniCredit): HypoVereinsbank is a national commercial bank offering retail, SME, and private banking in Germany. It competes with VR Bank in Holstein for SME lending, succession advisory, and private banking clients, especially in wealth management and corporate banking.
Emerging players
- N26: N26 is a German-originated neobank targeting digitally native retail customers with current accounts, payments, and savings. It competes most directly with VR Bank in Holstein's moneywave sub-brand for the 18-30 customer segment and pressures deposit economics.
Others
- KfW: KfW is Germany's state-owned development bank that funds SME and housing finance through partner banks including cooperative banks. It is an enabling peer — VR Bank in Holstein distributes KfW-backed SME and construction loans rather than competing for the same end customers.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
vr bank in holstein social profiles
Digital presencevr bank in holstein compliance and trust
Trust signalCompliance5 records
vr bank in holstein financial estimates
Financial estimateRevenue estimate
Valuation estimate
vr bank in holstein leadership team
Management profileNumber of profiles
vr bank in holstein funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
vr bank in holstein M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about vr bank in holstein
What does vr bank in holstein do?
VR Bank in Holstein eG operates as a cooperative bank (Genossenschaftsbank) headquartered in Pinneberg, Germany. It provides retail banking products (current accounts, savings, cards, brokerage, mobile banking) for private customers and business banking products (business accounts, loans up to 100,000 Euro, international payments, company insurance, succession advisory) for SMEs. Services are distributed through a regional branch network and digital channels including the VR Banking App and Online Banking portal.
Is vr bank in holstein a public or private company?
vr bank in holstein is a private company. It is classified as management employee owned and is currently operating.
When was vr bank in holstein founded?
vr bank in holstein was founded in -1.
Where is vr bank in holstein based?
vr bank in holstein is headquartered in Pinneberg, Germany, in the Europe region.
How does vr bank in holstein make money?
Four revenue lines are on record. Interest Income is the primary driver. The others are deposit Taking and Savings Products, fee-Based Services and investment and Insurance Products.
Who are vr bank in holstein's main competitors?
Direct peers on record are Sparda-Bank, Sparkasse, ING-DiBa, Targobank and Postbank. Broad incumbents are Volksbanken Raiffeisenbanken (BVR / DZ Bank Group), Commerzbank and HypoVereinsbank (UniCredit). N26 is listed as an emerging player. KfW is listed as an others.
Does vr bank in holstein have an API?
No public API is recorded for vr bank in holstein.
What industry is vr bank in holstein in?
vr bank in holstein's product category is Cooperative Retail Banking. Its primary akta.pro industry code is FSABAAAA, Mass-Market Consumer Deposit Banking (Checking/Savings), with a secondary code of FSABABAC, SME Deposits & Business Accounts (Operating, Savings, CDs). Its NAICS code is 52211 and its SIC code is 6021.