Raiffeisenbank im Breisgau eG products, services and reviews

About Raiffeisenbank im Breisgau eG

Raiffeisenbank im Breisgau eG is a regional German cooperative bank serving private and business customers in the Breisgau area of Baden-Württemberg. As part of the Volksbanken Raiffeisenbanken cooperative financial network and a member of the BVR, it provides standard retail and SME services, including current accounts, savings and term deposits, consumer loans, mortgages and construction financing, securities custody and brokerage, and payment services. Access is available via local branches, online banking, and a mobile app, with PSD2-compliant strong customer authentication. Card options typically include a girocard and optional Visa or Mastercard products, with cash withdrawals possible at the nationwide BankCard ServiceNetz of cooperative ATMs; withdrawals outside partner networks and certain transactions may incur fees. Pricing generally follows tiered account packages and a published price list, and interest rates and conditions are subject to change. For businesses and self-employed clients, the bank offers working capital and investment financing, cash management, merchant services such as POS terminals and e-commerce acquiring, and access to leasing or factoring via cooperative group partners. The institution is supervised by BaFin and the Deutsche Bundesbank and participates in the BVR deposit protection system; deposits are covered up to 100,000 euros per depositor under the statutory scheme, and the cooperative institutional protection aims to prevent bank failures but does not create a direct legal claim beyond the statutory limit. Customers can become cooperative members by subscribing shares, receiving voting rights in the general assembly and potential dividends dependent on results; membership is not required for basic banking. Account opening and lending are subject to identification, credit checks, and the bank’s regional focus, and product availability can vary by customer profile. Investment products carry market risk and costs, and insurance or building-savings solutions are typically distributed through affiliated providers within the cooperative network. Prospective customers should review the bank’s current price notices, product information, and regulatory disclosures before engaging.