Raiffeisen-Volksbank Ries eG products, services and reviews

About Raiffeisen-Volksbank Ries eG

Raiffeisen-Volksbank Ries eG is a regional German cooperative bank serving private and business customers in the Ries area of the Donau-Ries district in Bavaria, offering standard retail and SME banking built around current accounts, payment cards, lending, savings, and investment services. Digital access is provided via online banking and the VR BankingApp, with strong customer authentication typically handled through SecureGo plus or Sm@rt-TAN; branch and self-service locations supplement remote channels, and advisory appointments are standard. Account pricing follows the common cooperative model of tiered packages with monthly fees and separate charges for paper-based or over-the-counter transactions; terms, interest rates, and fee schedules are published in the bank’s Preis- und Leistungsverzeichnis. Cardholders use the cooperative BankCard/ServiceNetz for cash access and can obtain debit and credit cards (Visa/Mastercard); mobile wallets such as Apple Pay and Google Pay are supported for eligible cards. Lending spans overdrafts, consumer loans, and mortgages/real estate financing, with building-savings products via Bausparkasse Schwäbisch Hall; business customers can access working-capital and investment loans, cash management, POS and e-commerce acquiring via VR Payment, and selected leasing/factoring solutions through network partners. Securities custody and trading, along with funds and savings plans, are available through the cooperative financial network, including Union Investment, and insurance is distributed via R+V Versicherung. Deposits are protected under the BVR institutional protection scheme (including the statutory €100,000 coverage per depositor); the bank operates under German banking regulation and supervision. Customers can become cooperative members by subscribing shares, gaining voting rights; any member distribution depends on the bank’s results and bylaws. Primary service language is German, and identification is completed in-branch or via established procedures such as VideoIdent/PostIdent, depending on product.