Bayerische Bodenseebank -Raiffeisen- eingetragene Genossenschaft products, services and reviews

About Bayerische Bodenseebank -Raiffeisen- eingetragene Genossenschaft

Bayerische Bodenseebank -Raiffeisen- eingetragene Genossenschaft is a regional cooperative bank in the Bavarian Lake Constance area that operates within the Volksbanken Raiffeisenbanken network and follows the member-owned Genossenschaft model under German cooperative law. Its core business covers retail and small to mid-sized enterprise banking, including current and savings accounts, payments, debit and credit cards, cash services, consumer and mortgage lending, and financing for self-employed, agricultural, and commercial clients; it also distributes investment funds and securities services via cooperative-sector partners, arranges building society contracts, offers insurance brokerage, and provides leasing and factoring through specialized affiliates. Access is via local branches, ATMs in the BankCard ServiceNetz, online banking, and a mobile app, with SEPA payments and PSD2-compliant strong customer authentication (typically chipTAN or app-based TAN). The bank is supervised by BaFin and the Deutsche Bundesbank under the German Banking Act, and is affiliated with the National Association of German Cooperative Banks (BVR); customer deposits fall under the statutory BVR Institutssicherung (recognised deposit guarantee up to 100,000 euros per depositor) alongside the BVR institutional protection scheme designed to prevent member bank failures. Governance follows the cooperative structure with a management board and supervisory board overseen by member representation; conditions, fees, and interest rates are set out in the published schedule of prices and services and product-specific terms. As with many German cooperative banks, the institution focuses on its defined local market and may adjust its branch footprint or branding through mergers within the network; prospective and existing customers should verify current product availability, digital features, identification options, and pricing directly with the bank.