Raiffeisenbank Kalbe-Bismark eG products, services and reviews

About Raiffeisenbank Kalbe-Bismark eG

Raiffeisenbank Kalbe-Bismark eG is a regional cooperative bank in Saxony-Anhalt serving Kalbe (Milde), Bismark (Altmark), and surrounding communities. As an eingetragene Genossenschaft, customers can become members by acquiring cooperative shares; members hold voting rights at the general or representatives’ assembly, and any dividend on shares depends on annual results and is not guaranteed. The bank’s core business covers current and savings accounts, term deposits, consumer and mortgage lending, agricultural and SME financing, payment services, and cash supply via the BankCard ServiceNetz ATM network; complementary products such as leasing, investment funds, building society savings, and insurance are typically offered in cooperation with partners from the Volksbanken Raiffeisenbanken financial network (for example DZ BANK, Union Investment, R+V Versicherung, Schwäbisch Hall, and TeamBank/easyCredit). Digital access includes online banking and a mobile app provided through the cooperative group with PSD2-compliant strong customer authentication; girocards and credit cards are available for cashless payments and SEPA transfers, with contactless functions and additional features depending on card and tariff. Deposits are covered by the protection schemes of the cooperative sector: BVR Institutssicherung GmbH operates as the statutory deposit guarantee (generally up to 100,000 euros per depositor, with higher limits possible in specific legally defined cases) and is complemented by the institutional protection scheme of the Volksbanken Raiffeisenbanken. Pricing follows a published fee schedule and usually includes account maintenance, card fees, and transaction charges; business accounts are often priced individually. The bank’s risk profile reflects its regional mandate and the prevailing interest-rate environment, with credit decisions taken locally within group policies. Branch coverage and opening hours are aligned with local demand, while advisory services are available by appointment alongside phone and digital support. Product availability, conditions, and limits are subject to change; customers should review current terms, fee schedules, and regulatory disclosures before opening accounts or entering loan or investment agreements.