Raiffeisenbank Höchberg eG products, services and reviews

About Raiffeisenbank Höchberg eG

Raiffeisenbank Höchberg eG is a German cooperative bank (eingetragene Genossenschaft) based in Höchberg, Bavaria, and part of the Volksbanken Raiffeisenbanken network. It provides retail and small-business banking in its region, including current accounts, savings and term deposits, consumer and mortgage lending, business accounts and financing, and payment services. Customers have access to online and mobile banking via the VR Banking app with common TAN procedures such as SecureGo plus or Sm@rt-TAN, and can withdraw cash across the cooperative sector’s BankCard ServiceNetz. Card offerings include girocard/debit cards and, subject to the chosen account model, credit cards on the Mastercard or Visa schemes; transfers are supported within SEPA and via SWIFT for cross-border payments. Through the cooperative financial network, the bank distributes investment and securities services, building-savings products, leasing and factoring, and insurance, commonly involving partners such as DZ BANK, Union Investment, Bausparkasse Schwäbisch Hall, R+V Versicherung, and VR Payment for merchant acquiring. As a cooperative, ownership lies with members who hold shares and voting rights and may receive a dividend based on annual results and resolutions at the general meeting. The institution is supervised by BaFin and the Deutsche Bundesbank under the German Banking Act, and is affiliated with the BVR Institutssicherung, which provides statutory deposit protection up to 100,000 EUR per depositor; the additional BVR Sicherungseinrichtung functions as an institutional protection scheme aimed at preventing insolvency. Account pricing typically follows model-based monthly fees and transaction-related charges published in the schedule of prices and services, with conditions varying by account type, age segment, and usage preferences (e.g., paper versus electronic statements). Local branch availability, service hours, eligibility, identification procedures under anti-money-laundering rules, and product terms are determined by the bank and can differ from other cooperative institutions in the network.