HEIDELBERGER VOLKSBANK eingetragene Genossenschaft products, services and reviews

About HEIDELBERGER VOLKSBANK eingetragene Genossenschaft

Heidelberger Volksbank eingetragene Genossenschaft (Heidelberger Volksbank eG) is a regional cooperative bank based in Heidelberg and part of the Volksbanken Raiffeisenbanken network, providing retail and corporate banking to private customers, self-employed professionals, SMEs, and local organizations in the wider Rhine-Neckar area. Its product range typically includes current accounts with tiered pricing, debit and credit cards, cash supply via the nationwide BankCard ServiceNetz of cooperative ATMs, SEPA and international payments, and online and mobile banking with strong customer authentication (for example via SecureGo plus or chipTAN methods); mobile wallets such as Apple Pay and Google Pay are generally available for eligible cards. Lending covers consumer loans, overdrafts, vehicle and installment finance, residential mortgages and refurbishment loans, as well as business facilities for working capital, investments, commercial real estate, and access to public development programs (e.g., KfW) subject to credit checks. Savings and investment services include savings accounts, time deposits, securities custody and trading, investment funds (commonly placed via Union Investment), and building society contracts through partners in the cooperative group (such as Bausparkasse Schwäbisch Hall); insurance solutions are typically distributed via R+V Versicherung, and merchant acquiring and POS/e-commerce services are offered through VR Payment. The bank operates local branches and advisory offices, provides service via phone and secure messaging, and schedules in-person or video appointments; fees, interest rates, and eligibility criteria are published in its price and service list and vary by product and usage profile. As a cooperative, customers can become members and hold shares, with voting rights exercised at the general meeting and dividends determined annually in line with statutory rules and the bank’s results. Deposits are protected by the institutional protection scheme of the cooperative financial network; BVR Institutssicherung GmbH is the deposit guarantee scheme recognized under the EU framework and covers up to 100,000 EUR per depositor per institution under legal conditions, with the additional voluntary BVR protection scheme aiming to prevent member bank insolvency. Heidelberger Volksbank eG is subject to supervision by BaFin and the Deutsche Bundesbank, applies PSD2 and German AML/KYC requirements, and processes personal data under the GDPR; product availability, limits, and conditions are subject to change and depend on individual assessment.