Raiffeisen-Volksbank Haßberge eG products, services and reviews

About Raiffeisen-Volksbank Haßberge eG

Raiffeisen-Volksbank Haßberge eG is a regional German cooperative bank (eingetragene Genossenschaft) serving the Haßberge area in Bavaria as part of the Genossenschaftliche FinanzGruppe Volksbanken Raiffeisenbanken. It operates under a German banking license and is supervised by BaFin and Deutsche Bundesbank. The bank provides standard retail and small-business services including current accounts, savings and term deposits, SEPA payments, standing orders, direct debits, and cash services, as well as consumer loans, mortgages, and overdrafts; corporate and agricultural financing are available in line with its regional focus. Card products typically include Girocard and credit cards issued via cooperative group partners, with access to a large nationwide network of cooperative ATMs; withdrawals at third-party machines and foreign usage generally incur fees. Digital channels comprise browser-based online banking and the VR Banking App with PSD2-compliant strong customer authentication (e.g., SecureGo plus app or chipTAN/Sm@rtTAN methods), e-statements, and secure messaging. Investment and insurance products are distributed through cooperative network companies such as Union Investment, R+V Versicherung, Bausparkasse Schwäbisch Hall, DZ BANK group entities (e.g., DZ PRIVATBANK, DZ HYP), and TeamBank (easyCredit); availability depends on advisory and suitability checks. As a cooperative, customers can become members by subscribing to shares and exercising voting rights at the general meeting; dividends on cooperative shares are not guaranteed. Deposits are covered by the statutory German deposit guarantee for cooperative banks via BVR Institutssicherung GmbH up to 100,000 euros per depositor per bank; the institutional protection scheme of the National Association of German Cooperative Banks (BVR) additionally aims to prevent insolvency. Pricing is published in the bank’s price and service listing and usually varies by account model (e.g., package fees, card fees, instant payments, third-party ATM charges, and foreign transaction fees); interest rates and conditions are subject to change. Accounts use German IBANs and support SEPA; cross-border transfers outside SEPA require SWIFT and may involve correspondent bank charges. Account opening requires standard identification under the German Money Laundering Act; remote onboarding may be offered subject to eligibility. Customer complaints can be addressed through the cooperative banks’ ombudsman procedure and, where applicable, through statutory dispute resolution channels; regulatory complaints can be lodged with BaFin. The bank focuses its branch and advisory services on the Haßberge district and surrounding areas; customers seeking specific products, pricing, or branch availability should refer to the bank’s current disclosures.