Raiffeisenbank im Donautal eG products, services and reviews

About Raiffeisenbank im Donautal eG

Raiffeisenbank im Donautal eG is a German cooperative bank (eingetragene Genossenschaft) operating in the Danube Valley region, structured as a member-owned institution with a Management Board and Supervisory Board elected under cooperative law. Its core business is regional retail and SME banking, offering current accounts, savings and term deposits, consumer loans, mortgages, business lending and working-capital facilities, payments and cash management, as well as securities brokerage and investment products distributed through the cooperative financial network. Distribution is centered on local branches complemented by online and mobile banking; pricing typically includes account maintenance fees and package-based charges for cards, transactions, and cash services, with conditions varying by product and customer segment. The bank is part of the Genossenschaftliche FinanzGruppe (BVR), giving access to group partners for funds and portfolio solutions (e.g., Union Investment), insurance (R+V Versicherung), building-society savings and financing (Bausparkasse Schwäbisch Hall), leasing and factoring, and merchant acquiring via cooperative providers, which broadens the range of investment, protection, and payment solutions available to clients. Risk profile and earnings are characteristic of local cooperative institutions, with a balance sheet dominated by customer deposits, a loan book focused on households and regional SMEs (including agricultural clients), limited trading activities, and material exposure to interest-rate risk in the banking book; detailed metrics are disclosed in annual reports and Pillar 3 publications under CRR/CRD. The bank is supervised by BaFin and the Deutsche Bundesbank within the EU Single Supervisory Mechanism framework for less significant institutions and must comply with German prudential, conduct, and AML rules. Deposits are protected by the institutional protection scheme of the German cooperative banks; BVR Institutssicherung GmbH is recognized as the statutory deposit guarantee scheme that covers up to 100,000 EUR per depositor, and an additional voluntary BVR scheme aims to prevent member bank insolvency. Services generally include SEPA payments, girocard and credit card issuance, and digital channels; specific card brands, wallet compatibility, and service limits depend on the chosen account model. The bank’s regional footprint and cooperative mandate mean product availability, underwriting criteria, and fees are tailored to its local market. Prospective customers and members should review current schedules of conditions, interest rates, and the latest audited financial statements to assess pricing, service scope, and capital and risk metrics.