Raiffeisenbank Beilngries eG products, services and reviews

About Raiffeisenbank Beilngries eG

Raiffeisenbank Beilngries eG is a regional cooperative bank based in Beilngries, Bavaria, operating within the German Volksbanken Raiffeisenbanken network and focusing on retail and small-business banking in its local catchment area. As a cooperative, it is owned by member-shareholders who have voting rights in the general meeting; membership shares are equity instruments and not covered by deposit insurance, and any dividend depends on annual results and member resolutions. The bank’s core offering typically includes current accounts for private and business customers, savings and term deposits, consumer and housing loans, mortgages and construction finance, and services for local enterprises and agricultural clients. Payment services cover SEPA transfers, standing orders, direct debits, giro and credit cards, and cash access via the cooperative ATM network; digital banking is available through online and mobile channels with PSD2-compliant strong customer authentication and TAN procedures (app- or device-based). Securities custody and brokerage, investment funds, building-savings contracts, pension solutions, and insurance are provided directly or via affiliated cooperative partners; these products involve market and capital risks, and returns are not guaranteed. Pricing is set out in the bank’s price and service schedule, with account packages and optional services priced according to usage; charges may apply for cards, cash withdrawals at non-network machines, securities custody and orders, foreign transactions, and early repayment of loans. The bank is supervised by BaFin and the Deutsche Bundesbank and participates in the BVR Institutssicherung and the additional institutional protection scheme of the cooperative sector; statutory deposit protection generally covers up to 100,000 euros per depositor per bank, while the institutional scheme aims to prevent insolvency rather than compensate depositors. Availability of specific products, features, and digital wallets can vary by customer profile and card type, and terms and fees are subject to change; prospective customers should review the current Preis- und Leistungsverzeichnis, product information sheets, and regulatory disclosures before opening an account or concluding a contract.