Raiffeisenbank Geislingen-Rosenfeld eG products, services and reviews

About Raiffeisenbank Geislingen-Rosenfeld eG

Raiffeisenbank Geislingen-Rosenfeld eG is a member-owned cooperative bank (eingetragene Genossenschaft) serving Geislingen, Rosenfeld, and nearby communities in Baden-Württemberg within the Volksbanken Raiffeisenbanken network. The institution provides retail and SME banking including current accounts, savings and term deposits, consumer and mortgage lending, business and agricultural finance, payments and cash management, girocard and international debit/credit cards, and securities custody and brokerage offered through cooperative partners such as DZ BANK and Union Investment; additional product partnerships typically include building society savings via Bausparkasse Schwäbisch Hall, insurance intermediation via R+V Versicherung, and equipment finance or factoring via specialized affiliates. Access is offered through branches, ATMs in the BankCard ServiceNetz, online banking and the VR Banking App with two-factor authentication, phone or video advisory, and support for contactless and widely used mobile wallets where available. Account and service pricing follows published fee schedules, with differing models for private and business customers and charges for cards, transactions, and overdrafts depending on usage. Deposits are covered by the cooperative sector’s institutional protection scheme (BVR Institutssicherung GmbH), which fulfills the statutory deposit guarantee of up to 100,000 EUR per depositor, supplemented by the cooperative group’s additional protection mechanism designed to prevent member bank failures; the bank is supervised by BaFin and the Deutsche Bundesbank. The balance-sheet profile reflects a regional cooperative lender with concentrations in household, real estate, and small-business credit, typical interest-rate risk in the banking book, and funding primarily from customer deposits alongside access to liquidity and capital markets via the cooperative network. Governance follows cooperative principles with member shareholdings and voting rights exercised at the general meeting, and financial statements and statutory disclosures available in the annual report and regulatory publications.