Raiffeisenbank Hirschau eG products, services and reviews

About Raiffeisenbank Hirschau eG

Raiffeisenbank Hirschau eG is a local cooperative bank based in Hirschau (Bavaria) operating within the Volksbanken Raiffeisenbanken network. It offers standard retail and small-business services including current and savings accounts, domestic and SEPA payments, cash services, girocard/debit and credit card issuance via cooperative partners, online and mobile banking, overdrafts, consumer loans, mortgages, and financing for local enterprises and agriculture. Investment funds and securities services are typically provided through Union Investment and other DZ BANK Group entities; building-savings contracts usually run via Bausparkasse Schwäbisch Hall, and insurance products via R+V Versicherung. Customers have access to the joint VR-Banken ATM network and branch-based advisory, with digital access provided through the network’s online banking infrastructure. As a registered cooperative (eG), the bank is owned by its members; customers can generally acquire cooperative shares, exercise voting rights at member meetings, and may receive a dividend subject to annual results and approval. Deposits are covered by the German statutory deposit guarantee up to 100,000 EUR per depositor via BVR Institutssicherung GmbH, with additional institutional protection through the BVR protection scheme. The bank is supervised by BaFin and the Deutsche Bundesbank, with DZ BANK acting as central institution for the cooperative sector. Account packages and lending terms follow published price and service schedules; fees, interest rates, and eligibility depend on the chosen model, usage, and creditworthiness, and identification under German KYC/AML rules is required for onboarding. International transfers outside SEPA and foreign-currency services are available via correspondent arrangements within the cooperative group. Operational focus is regional, with branch and service availability oriented to Hirschau and surrounding communities.