Freisinger Bank eG Volksbank-Raiffeisenbank products, services and reviews

About Freisinger Bank eG Volksbank-Raiffeisenbank

Freisinger Bank eG Volksbank-Raiffeisenbank is a German cooperative bank based in Freising, Bavaria, and part of the Volksbanken Raiffeisenbanken network. As a member institution of the BVR (National Association of German Cooperative Banks), it operates under a cooperative ownership model in which customers can become members by acquiring shares that confer voting rights and may entitle them to a dividend subject to annual results and resolution. The bank’s core business covers retail and SME banking in its region, including current accounts, savings and term deposits, consumer loans, mortgages, and corporate financing, with access to capital markets, custody, and investment funds via cooperative partners such as DZ BANK and Union Investment, and insurance brokerage via R+V Versicherung. Payment services include SEPA transfers and direct debits, standing orders, international transfers, and card payments; account packages typically offer a girocard with optional Debit Mastercard/Visa and credit cards from the cooperative network, and cash withdrawals are available across the BankCard ServiceNetz of Volksbanken Raiffeisenbanken ATMs. Digital channels comprise online banking and the VR Banking App with strong customer authentication (e.g., SecureGo plus or chipTAN), alongside contactless and mobile-enabled card payments where supported; business clients can obtain POS and e-commerce acquiring solutions through VR Payment. Pricing is defined in the bank’s Preis- und Leistungsverzeichnis and commonly includes monthly account maintenance fees and charges for paper-based transactions or additional services; interest rates and lending terms are set locally and depend on customer profile and collateral. Deposits are covered by the BVR Institutssicherung GmbH (the statutory deposit guarantee scheme for cooperative banks) and additionally by the voluntary institutional protection scheme of the BVR; the institution is supervised by BaFin and the Deutsche Bundesbank. Public development bank programs (e.g., KfW) can be arranged when eligibility criteria are met. Service is provided in German via branches, phone, and digital channels, and complaints can be escalated to the cooperative banking ombudsman at BVR if unresolved with the bank. Prospective clients should review identification requirements, membership share terms, current fees, and product conditions before opening accounts or applying for financing.