Raiffeisenbank i. Lkrs. Passau-Nord eG products, services and reviews

About Raiffeisenbank i. Lkrs. Passau-Nord eG

Raiffeisenbank i. Lkrs. Passau-Nord eG is a regional German cooperative bank serving private customers, small businesses, and agricultural clients in the northern part of the Passau district in Bavaria, operating within the Volksbanken Raiffeisenbanken network and connected to DZ BANK as central institution. Its offering typically covers current accounts (Girokonten), domestic and cross-border payments (SEPA/SWIFT), debit and credit cards, savings and term deposits, consumer and mortgage lending, and corporate finance and cash management for local enterprises. Securities brokerage and custody are provided via network partners such as Union Investment and DZ BANK, while insurance products are available through cooperative affiliates like R+V; building society savings (Bausparen) are commonly arranged through a specialist partner. Merchant services, including POS terminals and e-commerce acquiring, are available via VR Payment, and corporate online banking with EBICS is generally supported. The bank provides online and mobile banking through the VR Banking App (Atruvia), with PSD2-compliant two-factor authentication (e.g., SecureGo plus or chipTAN), e-statements, and digital onboarding via VideoIdent or PostIdent where offered; mobile wallet usage (such as Apple Pay or Google Pay) depends on card type and issuer configuration. Cash services are delivered through a local branch and ATM network and the wider BankCard ServiceNetz of Volksbanken Raiffeisenbanken; withdrawals at third-party ATMs may incur fees, and cash deposit machines are available at selected sites. Pricing follows a published price and service list (Preis- und Leistungsverzeichnis) and typically includes account maintenance fees by model, possible itemized charges for transactions and paper statements, and card-related fees. As an eingetragene Genossenschaft (eG), customers can become members by purchasing cooperative shares, gaining voting rights in the general meeting; any dividend on shares is contingent on annual results and board/supervisory board proposals. The institution is authorized under the German Banking Act and supervised by BaFin and the Deutsche Bundesbank; deposits are protected through the institutional protection scheme of the cooperative sector (BVR Institutssicherung), which fulfills the statutory deposit guarantee of up to EUR 100,000 per depositor, with additional institutional support mechanisms within the BVR network. Branch footprint, product names, and service features may vary locally, and cooperative banks in this sector periodically adjust structures through mergers within the network.