Raiffeisenbank Gilching eG products, services and reviews

About Raiffeisenbank Gilching eG

Raiffeisenbank Gilching eG is a regional cooperative bank based in Gilching, Bavaria, operating within the Volksbanken Raiffeisenbanken network and subject to supervision by BaFin and the Deutsche Bundesbank. Its product set covers retail and small-business banking, including current accounts, savings and term deposits, consumer and mortgage financing, business lending, payment services, and cards, with online and mobile banking provided via the VR Banking App and two-factor authentication methods such as SecureGo plus or chipTAN. Through group companies, it brokers investments (Union Investment), insurance (R+V Versicherung), building-society savings and loans (Bausparkasse Schwäbisch Hall), leasing and merchant services (VR Payment), and handles capital markets and foreign payments via the central institution DZ BANK. Customers have access to the BankCard ServiceNetz of ATMs across the cooperative network; withdrawals at non-network machines may incur fees. Pricing is set out in the bank’s price and service list, with monthly account fees and transaction-related charges depending on the chosen model. Deposits are protected under German law up to EUR 100,000 per depositor and the bank participates in the BVR institutional protection scheme designed to prevent insolvency. As an eingetragene Genossenschaft (eG), clients can become members by subscribing cooperative shares, with voting rights and potential member dividends subject to annual results and corporate approvals. The bank focuses on Gilching and surrounding communities, so branch coverage is local; onboarding and identification options (e.g., video or in-branch) vary by product. SEPA payments are standard; cross-border transfers are processed via SWIFT within the cooperative network, and mobile wallets such as Apple Pay or Google Pay may be available for eligible cards.