Raiffeisenbank Kaiserstuhl eG products, services and reviews

About Raiffeisenbank Kaiserstuhl eG

Raiffeisenbank Kaiserstuhl eG is a regional cooperative bank in the Kaiserstuhl area of Baden‑Württemberg operating under the legal form of an eingetragene Genossenschaft (eG) and belonging to the Genossenschaftliche FinanzGruppe Volksbanken Raiffeisenbanken. The bank focuses on retail and small to mid-sized business clients, including agricultural and viticulture-related enterprises typical of the region, and offers standard German universal-banking services such as current accounts, savings products, term deposits, consumer loans, mortgages, and SME financing, along with payment services (SEPA transfers, direct debits, standing orders) and card solutions (girocard and commonly used credit cards). Securities and investment services are typically provided through cooperative network partners such as Union Investment, building society contracts via Bausparkasse Schwäbisch Hall, and insurance brokerage via R+V Versicherung, with investment products carrying market and value fluctuation risks. Access is provided through local branches and self-service devices, the nationwide BankCard ServiceNetz ATM network, and digital channels including online and mobile banking for transfers, e‑statements, and authentication features aligned with PSD2 requirements. As a cooperative, customers can become members by subscribing to shares, with membership rights including voting in the representatives’ meeting; governance follows the standard two-tier German model with a management board and a supervisory board, and financial reporting is prepared under the German Commercial Code and cooperative law and is subject to cooperative auditing. The institution is supervised by BaFin and the Deutsche Bundesbank and follows applicable AML/KYC rules for account opening and transactional activity. Deposits are protected up to €100,000 per depositor under the German Deposit Guarantee Act; the bank participates in the institutional protection scheme of the cooperative financial network (BVR Institutssicherung GmbH and the additional voluntary Sicherungseinrichtung). Conditions for accounts, fees, interest and lending are set by the bank and depend on product selection, usage, and individual creditworthiness; availability of specific services and partner products can vary, and customers typically arrange advisory appointments for tailored terms.