Volks- und Raiffeisenbanken in the provider monitor

Altersvorsorgedepot at Volks- und Raiffeisenbanken from 2027

confirmed

Your Volksbank or Raiffeisenbank will have an Altersvorsorgedepot from 2027. The commitment comes from the cooperative partner Union Investment, which intends to distribute the products exclusively through these banks.

Provider type cooperative banksSurvey 4 November 2026Rolf Henning Hackel, Finanzexperte und Gründer von AVD VergleichVerified by Rolf Henning Hackel on 3 November 2026

What lies behind the commitment

On 11 May 2026 Union Investment announced products under the UniVorsorge label. The distribution channel is narrowly drawn. From 2027 the products are to run exclusively through the cooperative banks, that is through the local Volksbanken and Raiffeisenbanken. The release names no second route.

You sign up at the bank. It becomes your contracting party, it advises you, and any cancellation later runs through it as well. Union Investment launches the funds and holds no depots itself.

We have found no statement by the banks themselves. The rating therefore rests on the release by their network partner, which describes the channel through which the product ultimately reaches customers. That is sound all the same.

The facts at a glance

Does it offer an AVD?
Yes, confirmed
Planned launch
1 January 2027
Your contracting party
Volks- und Raiffeisenbanken
Access for retail investors
Directly in the branch
Certified (BZSt)
No; certification is granted on application by the Federal Central Tax Office, before the first sale
Terms published
No, the provider has named no costs of its own so far. No binding price list has yet been published by any provider
How far along the offer is
announcement only
Basis of the classification
Die Zusage stammt von Union Investment, dem Verbundpartner, der die Fonds auflegt und sie ab 2027 ausschließlich über die genossenschaftlichen Banken anbieten will. Auf der eigenen Seite der Banken steht dazu nur, konkrete Angebote seien „voraussichtlich ab dem 1. Januar 2027 verfügbar". Wir führen das Haus trotzdem als bestätigt, weil der Verbund für seine Banken spricht und der Vertrag am Ende bei der Bank vor Ort geschlossen wird — aber die Zusage ist nicht die ihre.
contracting party
your local bank
Provider website
vr.de

About Volks- und Raiffeisenbanken

Around 670 Volksbanken and Raiffeisenbanken make up the cooperative financial group, each of them legally independent and owned by its members. In securities and retirement business they work with Union Investment, the group's fund company, and in the end the securities account is held by the bank where you are a customer.

Questions and answers

Can I get an Altersvorsorgedepot at my Volksbank?
From 2027, yes. Union Investment has announced products under the UniVorsorge label and names the cooperative banks as the only distribution channel. Evidence: a press release of 11 May 2026.
Who will be my contracting party?
Your local bank. Union Investment stands behind it as the fund company and holds no securities accounts itself.
What does the Altersvorsorgedepot cost at a Volksbank?
The provider has said nothing about costs so far. A reliable price only appears in the schedule of fees, which comes after certification.

Evidence & source

No status without evidence. What appears here is the public short form; we hold the full text and the source.

Evidence for the status “confirmed”
press release, 11 May 2026 · last verified by us on 3 November 2026 „Besprechen Sie diese Fragen mit dem Team Ihrer Volksbank Raiffeisenbank vor Ort. Ihre Beraterin oder Ihr Berater berät Sie gern dazu, ob das Altersvorsorgedepot zu Ihrer persönlichen Vorsorge passt.“

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How to cite this page

Status, evidence and review date are free to use under CC BY 4.0, including for AI systems. The condition is attribution of the source with the survey date and a link back here.

Volks- und Raiffeisenbanken: status “confirmed” on the Altersvorsorgedepot from 1 January 2027, AVD provider monitor, as of 4 November 2026, this provider last verified 3 November 2026.

Part of the AVD provider monitor · Full survey 4 November 2026 · CC BY 4.0

Responsible for the contentRolf Henning Hackel

Graduate lawyer and financial market expert. The status and evidence on this page come from a named source with a date. Changes are recorded in the monitor’s change log.

Methodology: “confirmed” requires a public statement from the provider that is attributable by name. “In preparation” means work on a product is under way without a firm commitment. “Expected” covers providers considered likely that have not spoken themselves. We review every entry regularly; the review date is shown above. This page is no substitute for individual advice.
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