Volksbank – Notes on Account Integration and Login (as of September 2025)
The Volksbanken (cooperative banks) offer nationwide unified standards for online banking and HBCI/FinTS. Account management is provided via the online banking portal, the VR Banking App, or banking software.
Login notes for Volksbank online banking:
- Access is via your VR-NetKey (personal user ID, usually 8 to 10 digits) or a self-assigned alias and your personal PIN (at least 8 digits).
- To authorize transactions and sensitive actions, a TAN procedure is required (e.g., SecureGo plus app, Sm@rt-TAN plus with TAN generator).
- If you have problems with your login credentials or PIN, you can reset them using the “Forgot login credentials?” function on the login page.
- After several failed attempts, access will be blocked for security reasons. Unblocking is possible via support.
- The login credentials are valid for both online banking and the VR Banking App.
TAN procedures:
- SecureGo plus: Authorize transactions via the app on your smartphone (push TAN, biometric authentication possible).
- Sm@rt-TAN plus: Generate TANs using a TAN generator, independent of your smartphone.
- Setup and management of TAN procedures is done in your Volksbank online banking portal.
Note in case of problems with bank login via fino services:
- Check your login credentials (VR-NetKey/alias and PIN) for Volksbank online banking.
- Ensure that your TAN procedure (SecureGo plus or Sm@rt-TAN plus) is active and functioning.
- Check whether third-party provider access is enabled and valid at your bank.
- If the problem persists, have your login credentials, TAN procedure, and permissions checked by Volksbank.
Help pages & further information: