Question 1

What is VR-Bank Landshut?

Accepted Answer

VR-Bank Landshut is a regional cooperative bank (Genossenschaftsbank) based in the Bavarian city of Landshut, Germany. As a member-owned financial institution, the bank serves individuals, small and medium-sized enterprises (SMEs), and businesses throughout the central Landkreis Landshut region. With total assets of approximately €722.8 million as of 2023, VR-Bank Landshut ranks among Germany's mid-sized cooperative banks, holding a market share of 0.01% nationally and 0.07% among cooperative banks.

The bank operates as a universal bank, providing comprehensive financial services while maintaining strong regional roots and a commitment to local economic development.

Question 2

When was VR-Bank Landshut founded?

Accepted Answer

VR-Bank Landshut was founded on March 30, 1925, in Landshut, originally operating as Volksbank Landshut eGmbH. The institution underwent several name changes throughout its history, reflecting mergers and evolving identity.

In 1975, the bank changed its name to Volksbank Landshut eG. By April 29, 1987, it adopted the name Volksbank-Raiffeisenbank Landshut eG to reflect the cooperative banking tradition.

The bank's current name, VR-Bank Landshut eG, was established on January 10, 2002, following a significant merger with Raiffeisenbank Velden/Vils eG in 1998. This merger strengthened the bank's regional presence and expanded its service area. The most recent merger occurred in 2002 with Raiffeisenbank Adlkofen eG, further consolidating the bank's position in the Landshut region.

Question 3

Where is VR-Bank Landshut headquartered?

Accepted Answer

VR-Bank Landshut is headquartered at Ingolstädter Straße 2, 84030 Landshut, Bavaria, Germany. The administrative center (VerwaltungsZentrum) is located at this address, serving as the legal seat and main office of the cooperative bank.

Question 4

Where does VR-Bank Landshut operate?

Accepted Answer

VR-Bank Landshut operates throughout the central Landkreis Landshut region in Bavaria, Germany. The bank maintains a network of four branch offices and nine ATMs to serve its local customer base.

Branch locations include:
• Landshut (multiple locations): Ingolstädter Straße (headquarters), Rosengasse (with wealth management center), Niedermayerstraße, and Altstadt (self-service branch)
• Adlkofen: Hauptstraße 18
• Velden: Marktplatz 48

The bank's operating area encompasses towns and communities that were incorporated through historical mergers, including Altfraunhofen, Vilsheim, and Zweikirchen, all within the greater Landshut district.

Question 5

What services does VR-Bank Landshut offer?

Accepted Answer

VR-Bank Landshut provides comprehensive universal banking services to retail customers, businesses, and agricultural enterprises. Core offerings include:

Retail Banking: Current accounts (Girokonten), savings accounts, time deposits, tagesgeld (overnight money), pension plans, consumer loans, car loans, and mortgage financing.

Business Banking: Commercial accounts, business loans, payment processing, and specialized financing for small and medium-sized enterprises.

Digital Services: The bank offers modern digital banking through the VR Banking App for iOS and Android, enabling mobile banking, contactless payments with digital cards, and the Wero payment function for instant peer-to-peer transfers using only phone numbers or email addresses. Online banking is available with secure authentication via VR SecureGo plus app or Smart-TAN plus devices.

Wealth Management: Investment services, securities trading, depot management through UnionDepot, and personalized financial planning at the VermögensBeratungsZentrum (Wealth Advisory Center).

Partnership Services: Through the Genossenschaftliche FinanzGruppe Volksbanken Raiffeisenbanken network, the bank collaborates with partners including DZ Bank, R+V Versicherung, Union Investment, Bausparkasse Schwäbisch Hall, Münchener Hypothekenbank, and Allianz Versicherung to provide insurance, building society savings, and investment products.

The bank emphasizes digital convenience with features like photo transfers (scanning bills), multi-bank account aggregation, CO₂ footprint tracking, prepaid mobile top-ups, and electronic document delivery.

Question 6

What makes VR-Bank Landshut unique?

Accepted Answer

VR-Bank Landshut stands out through its deep regional commitment and cooperative principles. The bank operates under the motto "Zusammen: Leben: Einfach: Machen" (Together: Life: Simply: Do It), emphasizing community-focused banking.

Member Ownership: With approximately 4,450 members, the bank is owned by its customers, who have voting rights and receive dividends. This cooperative structure prioritizes long-term community benefit over short-term profits.

Local Engagement: VR-Bank Landshut donates approximately €77,000 annually to regional projects and causes. The bank is the naming sponsor of the VR-Bank Landshut Arena (since June 2025), home to the EV Landshut ice hockey team in the DEL2 league, demonstrating strong support for regional sports and culture.

Strong Financial Rating: The bank holds an AA- long-term credit rating from Fitch Ratings with an F1+ short-term rating, indicating very high credit quality and financial stability.

Comprehensive Protection: Beyond the mandatory German deposit guarantee scheme (covering deposits up to €100,000), VR-Bank Landshut is protected by the BVR Institutssicherung GmbH (institutional protection system), which provides additional security for customer deposits through the cooperative banking network's voluntary safety mechanisms.

Personal Banking Philosophy: With 103 employees serving the regional market, the bank emphasizes personal relationships and face-to-face consultation while offering cutting-edge digital services, blending traditional banking values with modern convenience.

Question 7

What type of financial institution is VR-Bank Landshut?

Accepted Answer

VR-Bank Landshut is a Genossenschaftsbank (cooperative bank), specifically registered as an eingetragene Genossenschaft (eG), which translates to "registered cooperative." This is one of the most common types of financial institutions in Germany.

As a credit institution (Kreditinstitut) under German law, VR-Bank Landshut is regulated by the Bundesanstalt für Finanzdienstleistungsaufsicht (BaFin), Germany's Federal Financial Supervisory Authority. The bank is registered in the Genossenschaftsregister (Cooperative Register) at the Amtsgericht Landshut under GnR 401.

Cooperative banks in Germany operate according to the Genossenschaftsgesetz (German Cooperatives Act) and are governed by three bodies: the Management Board (Vorstand), Supervisory Board (Aufsichtsrat), and General Assembly of Representatives (Vertreterversammlung). These institutions embody the cooperative principle: "Was einer alleine nicht schafft, das schaffen viele" (What one cannot achieve alone, many can achieve together).

VR-Bank Landshut is part of the Genossenschaftliche FinanzGruppe Volksbanken Raiffeisenbanken, Germany's largest financial services network, which provides cooperative banks with access to specialized partners, shared infrastructure, and institutional protection systems.

VR-Bank Landshut

in Germany 🇩🇪

Crypto-Friendliness

All done!

About VR-Bank Landshut in Germany