DKM Darlehnskasse Münster eG products, services and reviews

About DKM Darlehnskasse Münster eG

DKM Darlehnskasse Münster eG is a German cooperative bank headquartered in Münster that focuses on banking and financing services for church institutions, charitable organizations and foundations, as well as their employees and related private clients, while also serving retail customers more broadly. Its product set typically includes current and savings accounts, SEPA payment services (transfers, standing orders, direct debits), cards, consumer and real estate financing, and liquidity and project financing for institutional clients; it also offers securities custody and investment brokerage in line with German investor protection rules, often via cooperation partners. Access is centered on digital and remote channels and a limited physical presence, with onboarding and product eligibility reflecting its emphasis on church and nonprofit client groups. As a member-owned cooperative (eG), governance and profit allocation follow cooperative principles; the bank is subject to supervision by BaFin and the Deutsche Bundesbank, applies PSD2 and AML/KYC requirements, and participates in the cooperative sector’s institutional protection scheme for deposit protection according to the bank’s published terms. Pricing follows standard German market practice with account maintenance fees, transaction and card fees, and product-specific charges; interest rates on deposits and loans move with broader market conditions. The bank publishes audited financial statements and statutory disclosures, including risk, capital and remuneration information under CRR/CRD, which prospective clients should review alongside the current price list, product sheets and deposit protection notices to understand service scope, eligibility criteria and costs.