Welcome to vr.de

The German local cooperative banks’ nationwide customer portal

vr.de is the nationwide customer and information portal of Germany’s local cooperative banks, the Volksbanken and Raiffeisenbanken. It provides an overview of products and services and shows what makes local cooperative banks different from other banks. The branch finder enables you to locate your nearest local cooperative bank quickly and easily.

Local cooperative banks

Local roots, a nationwide network, commitment to their members, and democratic organization are features that characterize the about 900 cooperative banks throughout Germany. With over 10.000 branches and more than rund 14.700 ATMs, they have one of Europe’s biggest, most concentrated banking service networks. As independent companies, they are particularly rooted in the economic life of their region. Knowledge of the market and personal contact with the people in the region are some of their strengths.

The cooperative principle

‘What can't be done alone, can be done together’. This belief held by their founders Friedrich Wilhelm Raiffeisen and Hermann Schulze-Delitzsch has been shared by mutual banks, such as the local cooperative banks, for more than 160 years. Watch the film to see how the cooperative principle has grown and why it still remains topical today.


Membership is the foundation of the ‘registered cooperative’ legal structure (eingetragene Genossenschaft or eG). The 18 million or more customers of the cooperative banks are simultaneously their members and their shareholders. The advancement of members’ interests is the top priority for the local cooperative banks, so members generally enjoy exclusive added value and attractive benefits.

Advice from the local cooperative banks

People, and their goals and desires, are the focal point of the local cooperative banks. Banking services are geared toward customer requirements. The advice provided by the local cooperative banks is always personal, fair, and transparent and offered in a spirit of partnership.

Volksbanken Raiffeisenbanken cooperative financial network

Local cooperative banks are integrated financial institutions that offer their customers a wide range of financial services under one roof as a result of their relationship with the sophisticated, specialized institutions in the Volksbanken Raiffeisenbanken cooperative financial network. These institutions include Bausparkasse Schwäbisch Hall for building finance, R+V Versicherung for insurance, Union Investment for fund management, and the network’s central institution DZ BANK.

Find your nearest local Volksbank Raiffeisenbank.