Raiffeisenbank Isar-Loisachtal eG products, services and reviews

About Raiffeisenbank Isar-Loisachtal eG

Raiffeisenbank Isar-Loisachtal eG is a regional cooperative bank serving communities along the Isar and Loisach in Upper Bavaria and forming part of the Genossenschaftliche FinanzGruppe Volksbanken Raiffeisenbanken. As a licensed credit institution under the German Banking Act, it is supervised by BaFin and the Deutsche Bundesbank and participates in the cooperative sector’s institutional protection scheme (BVR Institutssicherung) alongside the voluntary protection fund; statutory deposit protection applies up to EUR 100,000 per depositor. The bank focuses on retail and small to mid-sized business customers, offering current accounts with tiered pricing, girocard debit and optional Mastercard/Visa credit cards, savings and term deposits, consumer loans and overdrafts, residential mortgage financing, and cash services. Through group partners it provides building society contracts (Bausparkasse Schwäbisch Hall), investment funds and custody (Union Investment and DZ BANK group), private banking solutions (DZ PRIVATBANK), merchant acquiring and POS/e-commerce solutions (VR Payment), leasing and working-capital products, and insurance coverages (R+V Versicherung). Digital banking is available via online banking and the VR Banking App with strong customer authentication (e.g., SecureGo plus or chipTAN); mobile wallet payments are supported for eligible cards via Apple Pay and Google Pay within the cooperative network. Customers can become members by purchasing cooperative shares, receiving voting rights and a potential, non-guaranteed dividend. Account opening is available in branches and, for selected products, online with video identification. Branches and self-service lobbies cover the local area, with access to the nationwide Volksbanken Raiffeisenbanken ATM network; fees, interest rates, and service availability are set locally and detailed in the bank’s published price list and notices.