Bensberger Bank eG products, services and reviews

About Bensberger Bank eG

Bensberger Bank eG is a regional cooperative bank based in Bergisch Gladbach (district Bensberg) serving private customers, self‑employed clients, and small to mid‑sized enterprises in the surrounding area. It offers standard retail and business banking products such as current accounts with tiered fee models, savings and time deposit options, overdrafts, consumer loans, residential mortgages, and SME financing. Payment services include SEPA transfers, standing orders, domestic and cross‑border payments, debit and credit cards, and contactless card payments; cash services are available through the nationwide Volksbanken Raiffeisenbanken ATM network. Digital access covers online banking and a mobile banking app with strong customer authentication under PSD2. The bank also distributes investment and pension solutions, savings plans, and brokerage services through cooperative network partners, along with insurance and building society savings products arranged via affiliated providers. As a cooperative institution, eligible customers can acquire membership shares that confer voting rights and may receive dividends subject to business performance and supervisory approval. Deposits are protected by the BVR Institutssicherung GmbH (statutory deposit guarantee up to 100,000 euros per eligible depositor) and the institutional protection scheme of the cooperative financial network. Pricing, interest rates, and product conditions are set out in the bank’s schedule of prices and services and vary by account model and usage; availability of specific products and advisory services is centered on the bank’s local branch footprint.