Raiffeisenbank eG Deggendorf-Plattling-Sonnenwald products, services and reviews

About Raiffeisenbank eG Deggendorf-Plattling-Sonnenwald

Raiffeisenbank eG Deggendorf-Plattling-Sonnenwald is a regional cooperative bank (eingetragene Genossenschaft) serving the Deggendorf, Plattling and Sonnenwald area of Lower Bavaria, operating branches and self-service locations and offering retail and business banking aligned with the Volksbanken Raiffeisenbanken cooperative network. For private customers it provides current accounts with tiered monthly fees, debit and credit cards, SEPA transfers and direct debits, standing orders, real-time transfers where available, and access to the nationwide ATM network of Volksbanken Raiffeisenbanken; digital banking typically includes web banking, the VR Banking App and PSD2- compliant strong customer authentication via TAN procedures. The product range covers savings accounts and term deposits, consumer loans, mortgages and construction financing, as well as securities custody and investment funds distributed through the cooperative group, plus insurance and building-society contracts offered via established group partners; business clients can expect corporate accounts, payments and POS/merchant acquiring, liquidity management, working-capital and investment loans, and advisory for SMEs and agricultural enterprises. Accounts generally require standard identification (in branch or via video) and pricing is set out in the bank’s Preis- und Leistungsverzeichnis, with charges that may apply for account packages, cards, paper-based transactions and out-of-network cash withdrawals; interest rates and fees are subject to change. As a member institution of the Genossenschaftliche FinanzGruppe, the bank is supervised by BaFin and Deutsche Bundesbank and participates in the BVR institutional protection scheme; statutory deposit protection under German law covers eligible deposits up to 100,000 EUR per depositor per bank. Cooperative membership is available through purchase of shares, conferring voting rights in the general assembly and the possibility of a dividend depending on annual results and resolutions. Service is provided through local advisors, phone and digital channels, with appointment-based consultations common; complaints can be escalated via the cooperative banking ombudsman scheme. The model emphasizes regional presence and advisory depth over ultra-low-cost pricing, which may be relevant when comparing to direct banks or app-only providers with broader fee-free structures but limited in-person services.