Raiffeisenbank Erding eG products, services and reviews

About Raiffeisenbank Erding eG

Raiffeisenbank Erding eG is a regional German cooperative bank based in the Erding area of Bavaria and part of the Volksbanken Raiffeisenbanken network. It focuses on retail and small to mid-sized business banking, offering current accounts, savings products, term deposits, consumer and mortgage financing, and payment services, with advisory services provided through local branches and remote channels. Business clients typically find working capital facilities, investment loans, and payment acceptance via the cooperative group’s infrastructure. Securities and investment funds are usually distributed through the network partners (e.g., Union Investment and DZ BANK), with building-society savings via Schwäbisch Hall and insurance brokerage commonly via R+V Versicherung. Digital banking includes online banking and the VR Banking app with strong customer authentication (e.g., SecureGo plus or chipTAN); card payments use girocard and, depending on the card product, credit cards (Visa/Mastercard). Cash access is available at ATMs across the Volksbanken Raiffeisenbanken network, subject to the account’s fee schedule. As a cooperative, customers can become members by purchasing shares; membership conveys voting rights and potential dividends, which are not guaranteed and carry issuer risk. Deposits are covered by the German statutory deposit guarantee up to 100,000 EUR per depositor per bank through BVR Institutssicherung; an additional institutional protection scheme of the cooperative sector aims to prevent member bank failures. The bank is subject to supervision by BaFin and the Deutsche Bundesbank. Pricing for accounts, cards, transactions, and advisory services is set locally and can differ by customer segment; charges may apply for account maintenance, out-of-network cash withdrawals, and paper statements. Product availability, branch hours, and digital features can change; customers should consult the current price and service list and contractual documents before opening products or entering financing agreements.