Raiffeisenbank Baiertal eG products, services and reviews

About Raiffeisenbank Baiertal eG

Raiffeisenbank Baiertal eG is a local cooperative bank serving the Baiertal/Wiesloch region in Baden-Württemberg and forms part of the Genossenschaftliche FinanzGruppe Volksbanken Raiffeisenbanken. As a cooperative, it is member-owned; customers can typically acquire shares that confer voting rights under the one‑member‑one‑vote principle, and distributions depend on earnings and the general meeting’s resolution. The bank’s product set usually includes current accounts, savings and term deposits, consumer and mortgage lending, and services for small businesses and the agricultural community; investment funds and securities business are commonly offered through group partners such as Union Investment and DZ BANK, building savings via Bausparkasse Schwäbisch Hall, and insurance via R+V Versicherung, with merchant services available through VR Payment. Payments and cards generally cover Girocard and optional Visa/Mastercard credit cards, SEPA transfers, standing orders, and international transfers where enabled; support for mobile wallets can depend on the card product. Digital access is provided via online banking and a mobile app with PSD2‑compliant two‑factor authentication (app‑based or chipTAN), while branch advisory remains available in the local area. Account maintenance, card issuance, cash services, and transactions are subject to fees set out in the Preis‑ und Leistungsverzeichnis; conditions vary by account model and usage. Cash access is available through the cooperative BankCard ServiceNetz across Germany. Deposits are protected by the institutional protection scheme of the National Association of German Cooperative Banks (BVR) and the recognized statutory deposit guarantee via BVR Institutssicherung GmbH up to 100,000 euros per depositor, and the bank is supervised by BaFin and the Deutsche Bundesbank. Annual financial statements and disclosures can be consulted in the Bundesanzeiger and the bank’s own publications. The institution’s regional focus, reliance on group partners for capital markets and insurance products, and pricing aligned with the cooperative banking model are relevant considerations for prospective customers comparing it with nationwide direct providers.