RAIFFEISENBANK HARDT-BRUHRAIN eG products, services and reviews

About RAIFFEISENBANK HARDT-BRUHRAIN eG

Raiffeisenbank Hardt-Bruhrain eG is a German cooperative bank (eingetragene Genossenschaft) serving retail and business clients in the Hardt–Bruhrain area of Baden-Württemberg. As part of the Genossenschaftliche FinanzGruppe Volksbanken Raiffeisenbanken, it provides current and savings accounts, term deposits, debit and credit cards, consumer and mortgage lending, financing for small and medium-sized enterprises and agriculture, and payment services, with investment and insurance products typically distributed via group partners such as Union Investment, R+V Versicherung, Bausparkasse Schwäbisch Hall, and acquiring solutions via VR Payment; international transactions are generally handled through the group’s infrastructure (e.g., DZ BANK). Access is offered through local branches and self-service devices, online banking and the VR Banking App with strong customer authentication (app- or chip-based TAN procedures), and cash withdrawals via the cooperative BankCard ServiceNetz; SEPA transfers and direct debits are standard, while foreign currency and cross-border services depend on specific arrangements. Pricing follows a published schedule for account packages, cards, transactions, and cash services; interest rates and fees vary by product and are updated periodically. Customers may become members by subscribing cooperative shares; any dividend is subject to the bank’s results and member resolution and membership does not guarantee preferential conditions. Deposits are safeguarded by the institutional protection scheme of the cooperative sector (BVR Institutssicherung GmbH) with statutory coverage typically up to 100,000 EUR per depositor where applicable, supplemented by the additional voluntary protection scheme; the bank is supervised by BaFin and the Deutsche Bundesbank and operates under PSD2 requirements. Business clients can obtain accounts, liquidity management, POS and e-commerce acquiring, and financing solutions; trade-related services are usually provided via group partners. Account opening and lending require standard identification and anti-money-laundering checks, product availability may be limited to the defined market area, and customers should consult the current Preis- und Leistungsverzeichnis and regulatory disclosures before entering into agreements.