Raiffeisenbank Grainet eG products, services and reviews

About Raiffeisenbank Grainet eG

Raiffeisenbank Grainet eG is a local German cooperative bank in Bavaria serving private and business customers within its region as part of the Volksbanken Raiffeisenbanken network. The product set typically includes fee-based current accounts with tiered pricing, a girocard for domestic payments and ATM use, optional Debit Mastercard or Visa Debit for online and international acceptance, and credit cards with annual fees and 3D Secure for e-commerce. SEPA transfers, standing orders, and e-statements are standard; paper-based transactions usually incur extra charges. Cash withdrawals are free at ATMs in the BankCard ServiceNetz; third-party machines and foreign withdrawals can attract fees, and non-euro card use generally adds currency and foreign usage charges. Savings products comprise instant-access accounts, term deposits, and savings plans; building society contracts are offered via Schwäbisch Hall, and insurance solutions via R+V. Securities services are available through the cooperative sector’s partners, with custody fees and order commissions according to the published price list. Lending covers consumer loans, mortgages, and business finance, including KfW-backed programs where applicable. Online banking runs on the group’s platform with two-factor authentication (e.g., SecureGo plus app or chipTAN) and the VR Banking App; support for mobile wallets depends on the card product issued. The branch footprint is limited to the local area, with advisory appointments available; service outside German business hours is limited. Deposits fall under the BVR institutional protection scheme recognized as a deposit guarantee up to 100,000 euros per depositor per bank, with additional institutional protection aimed at preventing insolvency. Membership shares in the cooperative can be subscribed and may influence conditions. Terms, interest rates, and fees change; the current price and service schedule governs.