Dithmarscher Volks- und Raiffeisenbank eG products, services and reviews

About Dithmarscher Volks- und Raiffeisenbank eG

Dithmarscher Volks- und Raiffeisenbank eG is a regional cooperative bank based in the Dithmarschen district of Schleswig-Holstein, operating within the Genossenschaftliche FinanzGruppe Volksbanken Raiffeisenbanken. Organized as an eingetragene Genossenschaft, it is owned by member-customers and focuses on retail and SME banking in its local market. The product range typically includes current accounts, payment cards, savings and term deposits, consumer loans, residential and commercial real estate financing, agricultural and business lending, and cash management and POS solutions, with investment funds, insurance, building society savings, and other specialized services provided through partners in the cooperative network (such as Union Investment, R+V Versicherung, and Bausparkasse Schwäbisch Hall). Services are delivered through local branches and self-service terminals in the region, complemented by online and mobile banking with strong customer authentication and standard SEPA payment functionality; international transfers are generally handled via the cooperative network’s correspondent arrangements, and fees apply per the bank’s Preis- und Leistungsverzeichnis. Deposits are protected under the BVR Institutssicherung (statutory deposit guarantee up to EUR 100,000 per depositor) and the BVR’s institutional protection scheme, which is designed to prevent bank insolvency; conditions and coverage are defined by the respective schemes. Account opening and lending require identification and creditworthiness checks under German regulation, and the bank is supervised by BaFin and the Deutsche Bundesbank. The institution’s business model centers on regional customers, so branch coverage and certain services are aligned with the Dithmarschen area, while digital channels provide broader access for everyday banking.