Raiffeisenbank Denzlingen-Sexau eG products, services and reviews

About Raiffeisenbank Denzlingen-Sexau eG

Raiffeisenbank Denzlingen-Sexau eG is a regional cooperative bank serving private customers, small and midsize businesses, and local associations in and around Denzlingen and Sexau (Baden-Württemberg). As an eingetragene Genossenschaft, it operates on a member-based model in which clients may subscribe cooperative shares that carry voting rights; any dividend depends on annual results and member approval, and cooperative shares are not deposits, are not covered by deposit insurance, and can be subject to notice periods and the risk of loss. The bank’s product set covers day-to-day retail and SME banking, including current accounts, savings and term deposits, SEPA payments, girocard and credit/debit cards, consumer and auto loans, mortgages, and commercial financing; it also distributes building-society contracts (typically via Bausparkasse Schwäbisch Hall), insurance (commonly via R+V), and securities services such as custody and funds through the cooperative financial network (e.g., DZ BANK/Union Investment), with availability dependent on advisory. Online and mobile banking are provided with strong customer authentication via sector-standard TAN procedures; contactless and mobile payments (such as Apple Pay or Google Pay) may be available depending on card type and issuer. Cash withdrawals are possible at the nationwide ATMs of Volksbanken Raiffeisenbanken; withdrawals at third-party ATMs can incur fees, and in-branch cash services are location-dependent. Pricing is set locally and published in the Preis- und Leistungsverzeichnis; typical charges include monthly account fees, card fees, transaction fees for certain services (such as over-the-counter payments or paper statements), and custody/advisory fees for investment services, with rates and fees subject to change. The bank is supervised by BaFin and the Deutsche Bundesbank within the EU’s Single Supervisory Mechanism; deposits are protected up to 100,000 euros per depositor under the German statutory scheme, and the institutional protection scheme of the National Association of German Cooperative Banks (BVR) aims to prevent insolvency and thereby protect customer funds. Geographic reach and branch hours are local, and more complex products are often distributed via cooperative group partners rather than manufactured in-house, so processing times and terms can vary by product. Prospective customers should review the bank’s statutes, the current price and service listing, and product terms, and confirm opening hours and service availability for each location before onboarding.