Volkswagen Bank GmbH

Volkswagen Bank GmbH is a German credit institution headquartered in Braunschweig and part of the Volkswagen Group. It operates as a captive automotive bank, concentrating on retail vehicle financing and dealer (wholesale/floorplan) financing for the Group’s brands, while also gathering retail funding through online savings and term-deposit products in Germany and select EU markets. The bank holds a full German banking license and is supervised by BaFin and the Deutsche Bundesbank; eligible deposits are protected by the German statutory deposit guarantee up to 100,000 euros per depositor, per bank, in line with EU rules. Consumer auto loans are typically arranged at dealerships and via digital channels; leasing and broader mobility products are offered within affiliated Volkswagen Group financial services entities, with availability varying by country. Funding sources include customer deposits, unsecured bonds, and recurring asset-backed securitizations of auto receivables, reflecting a model common to captive lenders. Business performance is sensitive to automotive sector cycles, used-vehicle residual values, and the credit profile of the Volkswagen Group, while interest-rate and refinancing risks are managed through liquidity buffers, diversified maturities, and hedging as reported in regulatory disclosures. The bank’s retail offering is delivered primarily online, with product terms, rates, fees, and eligibility criteria set by jurisdiction and subject to change; prospective customers should review current conditions and identification requirements applicable to their country of residence.