Raiffeisen Mitgliedschaft

Business Profile

Core Value Proposition

Raiffeisen Mitgliedschaft provides the member with governance rights in a local Raiffeisen Genossenschaft, access to an attractive interest-bearing share certificate, discounted banking products, and the MemberPlus benefits program including leisure perks.

Target Customer

Individuals who want to become part of a local Raiffeisen bank as a cooperative member; youth (YoungMemberPlus) and clubs/associations (Vereinspaket) as potential members or customers; general private banking customers seeking community-based banking benefits.

Key Differentiator

Local bank ownership through a Raiffeisen Genossenschaft, enabling member voting/participation (Mitbestimmung) and regionally tied economic influence, plus bundled perks via MemberPlus and targeted packages for youth and clubs.

Implementation Timeline

Value begins upon drawing the Anteilschein and joining a local Raiffeisenbank; many MemberPlus benefits are accessed via the MemberPlus portal after enrollment, with basic banking services available immediately upon joining.

Pain Points

1Lack of voice or governance in a standard bank relationship (no ownership stake or voting rights).
2Desire for better value on banking products through preferential terms.
3Opportunity to access additional perks and leisure benefits beyond basic banking services.

Key Features

1Anteilschein (share certificate) with attractive interest
2Mitbestimmung: voting/participation in local Raiffeisenbank
3Vorzugskonditionen for bank products
4Debit- and credit card in the first year at no cost
5MemberPlus benefits program with leisure and lifestyle offers
6YoungMemberPlus for youths (inclusive passport to MemberPlus perks)
7Vereinspaket for clubs/associations
8Raiffeisen TWINT and E-Banking integration
9Portal access via MemberPlus for perks

Target Customer Industries

1Public Relations

Decision Makers

1Verwaltungsrat (board of directors) – governance-related role referenced in context of ownership and participation

Client Results

1Participants gain governance influence in their local bank (Mitbestimmung)
2Financial yield from the share certificate (Verzinsung)
3Discounted bank products and fee advantages
4Access to the MemberPlus leisure and cultural benefits
5Potential youth and club-specific benefits (YoungMemberPlus, Vereinspaket)

Competitive Advantages

1Local ownership and regional governance via a Raiffeisen Genossenschaft structure
2Direct participation in business decisions at the local bank
3 Attractive interest on ownership (Anteilschein) and discounted banking products
4Wide range of bundled perks (MemberPlus) including cultural, travel, and ticket discounts
5Tailored options for youth (YoungMemberPlus) and clubs (Vereinspaket)

Key Benefits

1Mitbestimmung in der lokalen Raiffeisenbank

2Attraktiver Zinsertrag auf den Anteilschein

3Vorzugskonditionen bei Bankprodukten

4Debit- und Kreditkarte im ersten Jahr kostenlos

5MemberPlus-Vorteilsprogramm mit Museumspass, Konzert- und Reiseangeboten, Rabatten

6YoungMemberPlus-Angebote für Jugendliche

7Vereinspaket für Vereine

8Raiffeisen TWINT und E-Banking für Alltagszahlungen

Additional Product Information

Product Description

Genossenschaftsmitgliedschaft bei Raiffeisen, die Mitbestimmung, finanzielle Vorteile durch verzinsten Anteilschein, Vorzugskonditionen und das MemberPlus-Vorteilsprogramm bietet; es gibt spezielle Pakete wie YoungMemberPlus und Vereinspaket.

Target Market

Privatkunden/members of Raiffeisen banks, Jugendliche (YoungMemberPlus), Vereine/Organisationen (Vereinspaket), sowie Unternehmen/Geschäftskunden über die Raiffeisen-Gruppe.

Unique Value Proposition

Eine regionale Genossenschaftsbank mit echter Eigentümerstruktur, Mitbestimmungsmöglichkeiten vor Ort und exklusiven MemberPlus-Vorteilen, die Privatkunden, Jugendliche und Vereine attraktiv unterstützt.

Technical Requirements

Mindestanforderungen umfassen das Zeichnen eines Anteilscheins bei der lokalen Raiffeisenbank, anschließend Login- und Nutzungszugang zum MemberPlus-Portal; E-Banking und Zahlungslösungen (TWINT, Debit-/Kreditkarten) unterstützen Banking-Services.

Pricing Model

Pricing nicht ausdrücklich öffentlich angegeben; der Anteilschein bietet Verzinsung; Mitgliedschaft umfasst Vorzugskonditionen; MemberPlus-Extras basieren auf dem Paket (YoungMemberPlus, Vereinspaket) und Zugang zu entsprechenden Angeboten.

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