meine Volksbank Raiffeisenbank eG products, services and reviews

About meine Volksbank Raiffeisenbank eG

meine Volksbank Raiffeisenbank eG is a German cooperative bank (eingetragene Genossenschaft) within the Genossenschaftliche FinanzGruppe Volksbanken Raiffeisenbanken, serving private and business customers through branches and digital channels. Its product range covers current accounts, savings and term deposits, consumer and mortgage loans, business accounts and financing, payments and cash management, securities brokerage and investment funds via group partners such as Union Investment, building society savings and home finance via Bausparkasse Schwäbisch Hall, and insurance distributed in cooperation with R+V. Online and mobile banking use strong customer authentication with app- or chip-based TAN procedures; card products include debit and credit options from major schemes, support contactless payments, and, depending on the card, can be linked to mobile wallets such as Apple Pay or Google Pay. Customers have access to the cooperative group’s nationwide ATM network in Germany. As a cooperative, customers may become members by subscribing to shares and receive voting rights; any dividend and member benefits are subject to the bank’s policies and annual results. Deposits are protected by the statutory German deposit guarantee up to 100,000 EUR per depositor, and the bank participates in the BVR institutional protection scheme designed to stabilize institutions within the group. Fees apply to account packages and many services, with pricing depending on the chosen model and channel; current rates are published in the bank’s schedule of prices and services. Business clients can obtain merchant services, leasing, and factoring through affiliated providers in the cooperative network, and advisory is available in person and via remote channels. The bank operates under the supervision of BaFin and the Deutsche Bundesbank and processes payments within the SEPA framework for domestic and cross-border euro transactions.