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Volksbanken Raiffeisenbanken — Genossenschaftliche FinanzGruppe, the cooperative banking network covering thousands of German communities, owned by their members and supervised by BaFin.

HQ
Frankfurt (DZ Bank, central institution) / regional
Customers
30M+ members and customers across 700+ cooperative banks
Connection
PSD2 (read-only)

  • Current accounts and salary inflows

    Your Volksbanken Raiffeisenbanken current account, with salary credits tagged and outflows auto-categorised on the same taxonomy as your other banks.

  • Savings, deposits and pots

    Easy-access savings, fixed-term deposits and goal-based pots offered by Volksbanken Raiffeisenbanken are read alongside the current account so the full balance is never split.

  • Cards and recurring spend

    Debit-card and credit-card transactions are auto-categorised, with card-on-file subscriptions detected as recurring monthly spend.

  • Standing orders and direct debits

    Mortgage payments, rent, utilities and SEPA direct debits hitting your Volksbanken Raiffeisenbanken account are detected so non-discretionary outflows are clear month-on-month.

  • Current accounts

    Read by Bank AI

    Read-only view of your daily spending account: balance, transactions, IBAN. Bank AI never moves the money - it stays in the bank.

  • Savings accounts

    Read by Bank AI

    Easy-access savings, vaults, fixed-term deposits and pots are read alongside the current account so the full balance picture is never split.

  • Joint accounts

    Read by Bank AI

    Joint accounts are read for every co-holder who connects the bank under their own consent - each member sees the same balances and transactions.

  • Business accounts

    Read by Bank AI

    Where the bank exposes business / SME / freelancer accounts via PSD2, they are read alongside personal accounts and tagged separately for clean reporting.

  • Multi-currency balances

    Not yet supported

    Multi-currency wallets surface every currency you hold separately, with FX rates applied so home-currency net worth stays accurate.

  • Debit and credit cards

    Read by Bank AI

    Card-only products without a full IBAN account are read for spend, statements and standing orders just like a current account.

Auto-classified merchants

  • REWE
  • EDEKA
  • Aldi
  • Lidl
  • dm
  • Rossmann
  • Deutsche Bahn
  • Amazon

Detected subscriptions

  • Netflix
  • Spotify
  • Disney+
  • DAZN
  • Telekom
  • 1&1

  • How much sits across my Volksbank Girokonto, Tagesgeld and Sparbrief today?
  • Compare my Volksbank card spend at REWE and EDEKA with last quarter.
  • List every recurring direct debit on my Volksbank account.
  • What's the next direct debit due on my Volksbank account?

Does Bank AI move money on my Volksbanken Raiffeisenbanken account?

No. Bank AI is read-only by design. Transfers, payments and standing orders continue to happen inside Volksbanken Raiffeisenbanken. Bank AI surfaces balances, transactions and recurring totals; every action remains under your control inside the Volksbanken Raiffeisenbanken app.

How does Bank AI connect to Volksbanken Raiffeisenbanken?

Volksbanken Raiffeisenbanken exposes account data via PSD2. Bank AI uses licensed Account Information Service Providers (AISPs) to read balances, transactions and standing orders; Strong Customer Authentication is enforced every 90 days as the rules require.

Which specific Volksbank or Raiffeisenbank will Bank AI connect to?

Bank AI's PSD2 partners cover the major regional cooperative banks. When you start a connection you pick your specific Volksbank or Raiffeisenbank from a searchable list. We never auto-connect to the wrong regional entity.

Does Bank AI surface my VR-Tagesgeld and Sparbrief?

Yes. Tagesgeld balances and Sparbrief / Festgeld balances are read as distinct sub-balances under your cooperative-bank connection, with rates surfaced where exposed.

Is my VR-MeinKonto / VR-OnlineBanking different from the underlying account?

VR-MeinKonto is the customer-portal interface; the underlying current and savings accounts are what Bank AI reads via PSD2. Switching banking-app interfaces does not affect the connection.

What happens if Volksbanken Raiffeisenbanken raises a connectivity error?

PSD2 connections occasionally require re-authentication (the 90-day SCA refresh) or fail because of a Volksbanken Raiffeisenbanken-side maintenance window. Bank AI shows a clear status pill on the connection and prompts you to re-authenticate without losing any of your data.

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