Raiffeisenbank im Oberland eG products, services and reviews

About Raiffeisenbank im Oberland eG

Raiffeisenbank im Oberland eG is a regional German cooperative bank operating in the Oberland area of Bavaria, organized as an eingetragene Genossenschaft (eG) with member ownership and voting rights at the general meeting. It provides standard retail and small-business banking services including current accounts, savings and term deposits, consumer loans, mortgages, and payment services, as well as securities brokerage, investment funds, building society savings contracts, insurance and pensions via partners within the Volksbanken Raiffeisenbanken cooperative financial network (e.g., DZ BANK, Union Investment, R+V Versicherung, Bausparkasse Schwäbisch Hall, DZ HYP). Accounts typically carry monthly maintenance fees that vary by package, and card products include girocard and optional credit cards; cash access is available at ATMs across the BankCard ServiceNetz, with charges possible outside the network. Digital channels include online banking and the VR Banking app with PSD2-compliant strong customer authentication; Apple Pay and Google Pay are generally supported across the network. Business customers can access working capital finance, equipment leasing and factoring through network partners, with a focus on regional SMEs and agricultural clients. Statutory deposit protection covers up to 100,000 euros per depositor via the BVR Institutssicherung; the cooperative sector also maintains an institutional protection scheme, though coverage terms and exclusions apply. The bank is supervised by BaFin and the Deutsche Bundesbank. Account opening and advisory are available via branches, with selected processes offered online subject to identification requirements. Investment and securities services involve market risk, and disclosure documents are provided under MiFID II. Complaints can be addressed through the cooperative sector’s ombudsman procedure.