Raiffeisenbank Bad Kötzting eG products, services and reviews

About Raiffeisenbank Bad Kötzting eG

Raiffeisenbank Bad Kötzting eG is a regional cooperative bank headquartered in Bad Kötzting (Bavaria) and forms part of the Genossenschaftliche FinanzGruppe Volksbanken Raiffeisenbanken. It serves private individuals, self-employed customers, and small to medium-sized enterprises in its local catchment area with standard retail and business banking services, including current accounts, savings and term deposits, consumer and real estate financing, payment services, and cards. Investment, securities custody, and insurance solutions are typically provided via partners within the cooperative network (e.g., DZ BANK/Union Investment, R+V Versicherung, Bausparkasse Schwäbisch Hall, TeamBank). Access is provided through local branches, ATMs within the BankCard ServiceNetz, online banking, and the VR Banking app; two-factor authentication and common payment formats (SEPA transfers, standing orders, direct debits) are supported, with international payments available subject to fees and conditions. As a registered cooperative, customers may become members by acquiring cooperative shares, which confer voting rights; any dividend depends on annual results and supervisory approvals. The bank is supervised by BaFin and the Deutsche Bundesbank; deposits are covered by the statutory BVR Institutssicherung GmbH up to the legal limit per depositor and additionally by the institutional protection scheme of the BVR, which is designed to prevent insolvency within the group. Pricing follows account models with monthly fees and charges for selected services; interest rates for deposits, overdrafts, and loans reflect market conditions and are published in the Preis- und Leistungsverzeichnis and standardized fee information. The offering is oriented to the local market; product availability, eligibility, and terms may vary and are subject to change.