Raiffeisenbank Donau-Heuberg, eingetragene Genossenschaft products, services and reviews

About Raiffeisenbank Donau-Heuberg, eingetragene Genossenschaft

Raiffeisenbank Donau-Heuberg, eingetragene Genossenschaft, is a German cooperative bank serving the Donau-Heuberg region in Baden-Württemberg. Organized under the Genossenschaftsgesetz, it is owned by member-customers and governed by a Management Board and a Supervisory Board on a one-member-one-vote basis. It operates within the Volksbanken Raiffeisenbanken network with DZ BANK as central institution and relies on the group’s shared IT and payments infrastructure. The bank’s offering covers retail and SME banking: current accounts, savings and term deposits, consumer loans and mortgages, overdrafts, card services, and domestic and cross-border payments; for businesses and agricultural clients it provides working-capital and investment financing, guarantees, and cash management, with access to group partner products including investment funds, insurance, and building society savings and loans. Securities brokerage and custody are available via cooperative group platforms. Digital access is provided through online and mobile banking with two-factor authentication (e.g., chipTAN or app-based procedures), and cash services are available at its own locations and the broader VR ATM network. Euro payments are handled through SEPA; international transfers are processed via SWIFT and may incur correspondent and foreign-exchange charges. The institution is supervised by BaFin and the Deutsche Bundesbank. Deposits are protected by the German statutory deposit guarantee up to 100,000 EUR per depositor; the cooperative sector’s institutional protection scheme (BVR Institutssicherung) and a separate voluntary protection scheme operated by the cooperative group are also in place. Pricing, interest conditions, and eligibility criteria are set locally and vary by account model and customer profile. As a regional institution, its capabilities are centered on retail and small to mid-sized enterprise banking, while capital markets and more complex corporate or international services are typically delivered through group partners.