Raiffeisen-Volksbank Ebersberg eG products, services and reviews

About Raiffeisen-Volksbank Ebersberg eG

Raiffeisen-Volksbank Ebersberg eG is a regional cooperative bank serving customers in the Ebersberg district of Bavaria and forms part of the Genossenschaftliche FinanzGruppe Volksbanken Raiffeisenbanken. It offers standard retail and business banking services, including current accounts with tiered fee models, savings products, debit cards (girocard), optional credit cards issued through the cooperative group, and access to the joint ATM network of German cooperative banks; pricing, included withdrawals, and paper statement fees depend on the chosen account. Lending covers consumer loans, mortgage and construction finance, and SME financing; merchant services are available via the group’s payments provider. Investment funds, brokerage, and pensions are typically distributed through group partners such as Union Investment and DZ BANK, while insurance is offered via R+V Versicherung and home savings products via Bausparkasse Schwäbisch Hall. Online and mobile banking support SEPA transfers, standing orders, and two-factor authentication in line with PSD2; cardholders can usually add eligible cards to common mobile wallets where supported by card type and device. As a cooperative, customers can become members by acquiring shares, gaining voting rights at the general meeting; any dividend on shares depends on annual results and board proposal. Deposits are protected by the statutory German scheme up to EUR 100,000 per depositor, and the cooperative institutional protection scheme aims to prevent insolvency within the group. Account opening, product eligibility, and identification typically require German residency and documentation; international transfers and foreign currency services are available via SWIFT with separate fees and rates. Detailed conditions, fees, and interest rates are published in the bank’s schedule of prices and services and may change.