Raiffeisenbank Gruibingen eG. products, services and reviews

About Raiffeisenbank Gruibingen eG.

Raiffeisenbank Gruibingen eG is a local cooperative bank in Baden-Württemberg operating within the Volksbanken Raiffeisenbanken network, offering retail and small-business banking with a regional focus around Gruibingen. As a cooperative, customers can become members by purchasing shares, gaining voting rights and potential dividend participation subject to annual results and supervisory board decisions. The bank provides current accounts, savings products, overdrafts and consumer loans, mortgage financing, and services for small and medium-sized enterprises, with access to network partners for investments (e.g., mutual funds), building society savings and home financing solutions, insurance brokerage, leasing, and payments acceptance. Standard payments include SEPA transfers and standing orders, with card-based services via the cooperative network (girocard and international debit/credit options) and cash access through the nationwide BankCard ServiceNetz of Volksbanken Raiffeisenbanken. Digital channels include online and mobile banking with two-factor authentication compliant with PSD2; mobile wallet support depends on the specific card product issued. Raiffeisenbank Gruibingen eG is a licensed credit institution under German law and is supervised by BaFin and the Deutsche Bundesbank; deposits are protected by the statutory scheme up to 100,000 EUR per depositor via BVR Institutssicherung GmbH, complemented by the cooperative sector’s additional institutional protection. Pricing follows the published schedule of prices and services (Preis- und Leistungsverzeichnis) and typically varies by account package, transaction volume, and card type; interest rates, limits, and eligibility are determined by credit assessment and market conditions. The bank’s limited geographic footprint is offset by access to the cooperative group’s infrastructure and partners, but prospective customers should review current fees, available digital features, and product conditions on the bank’s official channels before opening an account or applying for credit.