Raiffeisenbank Auerbach-Freihung eG products, services and reviews

About Raiffeisenbank Auerbach-Freihung eG

Raiffeisenbank Auerbach-Freihung eG is a regional cooperative bank based in the Auerbach in der Oberpfalz and Freihung area of Bavaria, organized as an eingetragene Genossenschaft and part of the Genossenschaftliche FinanzGruppe Volksbanken Raiffeisenbanken. It offers retail and business banking services including current accounts, payment cards (girocard and credit cards issued via group providers), savings and term deposits, consumer loans, overdrafts, home financing, and lending for SMEs and agriculture; it also distributes investment funds via Union Investment and insurance from R+V Versicherung, with additional solutions such as leasing and factoring available through group partners (e.g., DZ BANK Group and VR Smart Finanz). Access is provided through branches, self-service terminals, and online and mobile banking via the VR Banking App, with common authentication methods (such as SecureGo plus or Sm@rt-TAN/photoTAN) and 3‑D Secure for card payments; cash services are available at ATMs within the cooperative BankCard ServiceNetz, while withdrawals at third-party machines may incur fees as per the price list. Deposits are covered by the BVR Institutssicherung GmbH (statutory deposit guarantee up to 100,000 EUR per depositor per institution) and the additional institutional protection scheme of the cooperative sector; the bank is subject to supervision by BaFin and the Deutsche Bundesbank. Pricing for accounts, cards, and services follows the published Preis- und Leistungsverzeichnis and varies by model and usage; applications can typically be initiated in-branch or online with standard identification procedures. The business model centers on local intermediation of deposits and loans, with investment and insurance offerings largely provided through group companies; availability of in-person services is tied to the regional footprint, with digital channels covering broader access. Customers should review pre-contractual information, key information documents, and the current price schedule to assess product suitability and costs.