Raiffeisenbank Beuerberg-Eurasburg eG products, services and reviews

About Raiffeisenbank Beuerberg-Eurasburg eG

Raiffeisenbank Beuerberg-Eurasburg eG is a regional German cooperative bank that serves private, business, and agricultural customers in its home market in Bavaria, combining local branch services with standard digital channels. As an eingetragene Genossenschaft, customers can become members by subscribing cooperative shares, which confer voting rights; any dividend on shares is discretionary and subject to the bank’s results and policy. The product set typically includes current accounts, savings and term deposits, overdrafts, consumer loans, mortgage and construction financing, and commercial lending, including access to public development programs such as KfW via on-lending. Securities services and investment funds are available through partners in the cooperative financial network (e.g., Union Investment and DZ BANK), while home savings contracts are offered via Bausparkasse Schwäbisch Hall and insurance products via R+V Versicherung; merchant acquiring and payment terminals are provided through VR Payment. Payment services cover SEPA credit transfers and direct debits, standing orders, and international transfers; customers can use girocard and, where offered, debit or credit cards (Visa/Mastercard) with contactless capabilities and support for mobile wallets such as Apple Pay and Google Pay, subject to card eligibility. Account access is available via local branches and self-service machines as well as online banking and the VR Banking App; strong customer authentication is implemented via app-based procedures (e.g., SecureGo plus) or chipTAN, and interfaces such as HBCI/FinTS and EBICS are commonly available for third-party or corporate connectivity. Fees are structured by account package and usage, with conditions for branch transactions, cash services, cards, and securities custody set out in the published price and service list; interest rates and pricing can change and depend on the chosen product. The bank participates in the legally mandated institutional protection scheme of the National Association of German Cooperative Banks (BVR Institutssicherung GmbH) and in the additional voluntary protection scheme of the BVR; it is subject to supervision by BaFin and the Deutsche Bundesbank and follows PSD2 and GDPR requirements for payments and data protection. Identification for new products is performed under German KYC rules, typically via VideoIdent or PostIdent. Customers have access to service via branch, phone, and secure messaging in online banking, and can use the cooperative banking ombudsman system for dispute resolution.