TeamBank AG Nürnberg

TeamBank AG Nürnberg is a German consumer finance institution headquartered in Nuremberg and part of the cooperative financial network of Volksbanken Raiffeisenbanken, operating within the DZ BANK Group. The bank focuses on unsecured retail lending and point-of-sale financing under the easyCredit and ratenkauf by easyCredit brands, distributing its products digitally, via selected own outlets, and through partnerships with cooperative banks and merchants. Core offerings include fixed-rate installment loans with defined terms and monthly repayments, revolving credit lines, and installment purchase solutions for e-commerce and in-store checkouts; pricing is risk-based and presented with statutory pre-contractual information, including effective annual percentage rates and total cost. Credit decisions typically rely on income verification, affordability checks, and credit bureau inquiries (e.g., SCHUFA), with automated decisioning supplemented by manual review where necessary; loan servicing follows standard German consumer protection rules, including the right to early repayment subject to capped compensation under applicable law. Optional add-ons, such as payment protection insurance, may be available and are subject to separate terms and disclosures. TeamBank is licensed as a credit institution under the German Banking Act and supervised by BaFin and the Deutsche Bundesbank; it participates in the cooperative institutional protection scheme of the BVR, which is recognized as a deposit guarantee scheme and protects eligible deposits up to statutory limits. The bank publishes annual and non-financial reports in line with regulatory requirements; performance, risk costs, and funding conditions are influenced by consumer credit demand, borrower credit quality, and interest-rate developments in its predominantly German market.