Question 1

What is VR-Bank Landsberg-Ammersee?

Accepted Answer

VR-Bank Landsberg-Ammersee is a German cooperative bank (Genossenschaftsbank) headquartered in Kaufering, Bavaria. As a member-owned institution, it serves the Landsberg am Lech district and the Ammersee region with a focus on retail and commercial banking services. The bank is the largest cooperative bank in the Landkreis Landsberg am Lech.

With total assets of approximately €1.1 billion as of 2024, VR-Bank Landsberg-Ammersee operates under the cooperative banking principles of solidarity, fairness, and partnership. The bank is a member of the Genossenschaftliche FinanzGruppe Volksbanken Raiffeisenbanken, Germany's cooperative banking network, and partners with DZ Bank.

Question 2

When was VR-Bank Landsberg-Ammersee founded?

Accepted Answer

The bank's oldest predecessor institution was founded on September 18, 1886. The modern VR-Bank Landsberg-Ammersee is the result of numerous mergers of originally independent cooperative banks throughout the region over more than a century.

Key consolidation milestones include mergers in 1967 (formation of Raiffeisenbank Kaufering-Landsberg), 1992 (creation of Ammersee Bank through merger of Volksbank Diessen and Raiffeisenbank Ammersee/West), and 2000 (further regional consolidation). The institution adopted its current name, VR-Bank Landsberg-Ammersee eG, on June 24, 2011. The most recent merger occurred in 2015 when Raiffeisenbank Weil und Umgebung integrated with VR-Bank Landsberg-Ammersee.

Question 3

Where is VR-Bank Landsberg-Ammersee headquartered?

Accepted Answer

VR-Bank Landsberg-Ammersee is headquartered in Kaufering, Bavaria, Germany. The city is located in the Landkreis Landsberg am Lech in Upper Bavaria.

Question 4

Where does VR-Bank Landsberg-Ammersee operate?

Accepted Answer

The bank operates throughout the Landkreis Landsberg am Lech and the Ammersee region in Bavaria. It maintains multiple branch locations including full-service branches in Landsberg am Lech, Kaufering, Dießen am Ammersee, Schondorf, Utting, Greifenberg, Weil, Erpfting, Finning, and Schwifting.

Additionally, the bank operates several self-service locations (SB-Geschäftsstellen) with ATMs and automated banking services throughout the region. This extensive branch network ensures local presence and accessibility for members and customers across rural and urban communities in the district.

Question 5

What services does VR-Bank Landsberg-Ammersee offer?

Accepted Answer

VR-Bank Landsberg-Ammersee provides comprehensive retail and commercial banking services including:

Retail Banking: Current accounts (Girokontos), savings accounts, time deposits (Festgeld), Mastercard debit and credit cards, consumer loans (easyCredit), mortgage loans, and pension plans.

Business Banking: Business accounts (Geschäftskontos), commercial loans (up to €100,000 Unternehmerkredite), cross-border payment services, and corporate succession planning.

Wealth Management & Investment: Securities trading through online brokerage, investment funds via Union Investment, precious metals sales through their VR-GoldZentrum, and pension savings through WinSpar products with lottery elements (Gewinnsparverein Bayern).

Digital Services: The bank offers the VR Banking App for iOS and Android with multibanking capabilities, photo transfers, and CO2 footprint tracking. Customers can use Wero for instant mobile payments, Apple Pay for contactless payments, VR SecureGo plus for secure authentication, and comprehensive online banking platforms. The VR-KundenDialogZentrum provides extended customer service hours (55 hours weekly).

Insurance & Building Society: Through partnerships with R+V Versicherung (insurance) and Schwäbisch Hall (building society loans).

Question 6

What makes VR-Bank Landsberg-Ammersee unique?

Accepted Answer

Cooperative Ownership: As a Genossenschaft (cooperative), the bank is owned by its members who have voting rights and share in the bank's success. The motto "Meine Bank gehört mir" (My bank belongs to me) reflects this democratic structure.

Regional Commitment: The bank demonstrates strong local engagement through annual awards like the VR-Sozialpreis (VR Social Prize) in partnership with Landkreis Landsberg, sponsorship of local sports and cultural events, the VR-ClassicCar Rally for vintage automobiles, and the annual Altstadtfest (Old Town Festival) with proceeds donated to local charities.

Strong Financial Position: VR-Bank Landsberg-Ammersee holds an AA- rating from Fitch (very high credit quality) with F1+ short-term rating, demonstrating exceptional financial stability.

Comprehensive Protection: Deposits are protected up to €100,000 through the German deposit guarantee scheme (BVR Institutssicherung GmbH), which provides institutional protection beyond standard deposit insurance.

Community Initiatives: The bank runs distinctive programs including the Stadtradeln bicycle competition sponsorship (rewarding top school classes), the Kinderspartag children's savings day with prizes, and the Altstadtflohmarkt flea market with doubled vendor fees donated to Tafel Landsberg (food bank).

Question 7

What type of financial institution is VR-Bank Landsberg-Ammersee?

Accepted Answer

VR-Bank Landsberg-Ammersee is a Genossenschaftsbank (cooperative bank), specifically registered as an eingetragene Genossenschaft (eG) under German cooperative law. This institutional type is regulated by the German Banking Act (KWG) and the German Cooperative Societies Act (Genossenschaftsgesetz).

As a credit institution (Kreditinstitut) under the EU's Capital Requirements Directive (CRD), it is supervised by the German Federal Financial Supervisory Authority (BaFin) and registered in the cooperative register (Genossenschaftsregister) at the Augsburg District Court under GnR 601. The bank's authorization date with BaFin is June 28, 2017.

Cooperative banks in Germany are characterized by member ownership, democratic governance through representative assemblies (Vertreterversammlung), and a primary statutory purpose of promoting members' economic interests while supporting regional development. VR-Bank Landsberg-Ammersee exemplifies this model with over 140 years of regional banking heritage.

Question 8

How does VR-Bank Landsberg-Ammersee support its local community?

Accepted Answer

VR-Bank Landsberg-Ammersee demonstrates exceptional community engagement through multiple channels. The bank actively supports regional development in sports, culture, education, and social services as mandated in its charter (§1 of the Satzung).

The annual VR-Sozialpreis recognizes outstanding social initiatives in cooperation with the district administration. The bank sponsors youth programs including the Kinderspartag with significant prize drawings for young savers. Environmental initiatives include rewarding the five best school classes in the Stadtradeln cycling competition with €1,000 in total prizes.

Community events organized by the bank include the popular Altstadtfest celebrating regional agriculture and traditions, the Altstadtflohmarkt flea market with charitable donations, and the VR-ClassicCar Rallye showcasing vintage automobiles. The bank also operates a crowdfunding platform "Viele schaffen mehr" (Many achieve more) enabling local project financing through community support.

VR-Bank Landsberg-Ammersee

in Germany 🇩🇪

Crypto-Friendliness

All done!

About VR-Bank Landsberg-Ammersee in Germany

VR-Bank Landsb­erg-Am­mersee