Raiffeisen-Volksbank Varel-Nordenham eG products, services and reviews

About Raiffeisen-Volksbank Varel-Nordenham eG

Raiffeisen-Volksbank Varel-Nordenham eG is a German cooperative bank (eingetragene Genossenschaft) serving customers in and around Varel, Nordenham, and the surrounding region of Lower Saxony. Its product range covers everyday retail banking and SME services, including current accounts with fee-based account models, girocards and debit/credit cards, savings and term deposits, securities brokerage, building society savings, consumer loans, mortgages, and business financing such as working capital and commercial real estate lending. Through the cooperative financial network of the Volksbanken Raiffeisenbanken, the bank provides access to affiliated partners for investment, insurance, and housing finance solutions. Banking is delivered via local branches and self-service terminals, online banking, and the VR Banking app with two-factor authentication; SEPA transfers and card payments are supported, and mobile wallet use depends on the specific card product issued. Cash withdrawals are available across the nationwide cooperative BankCard ServiceNetz ATM network. As a cooperative institution, customers can become members by purchasing shares, gaining voting rights in the members’ assembly and a claim to any dividend decided by the cooperative; membership is not required to hold an account. Deposits are protected under the German statutory deposit guarantee up to 100,000 euros per depositor; the bank also participates in the institutional protection scheme of the cooperative group, which is designed to prevent member bank insolvency. Pricing is set out in the bank’s schedule of fees and interest; account maintenance, transactions, and cards are typically charged according to the chosen package and usage, and loan and deposit rates are determined locally. The institution is supervised by BaFin and the Deutsche Bundesbank, and product availability, branch access, and specific terms depend on the customer’s location and profile.