Raiffeisenbank Kreis Kelheim eG products, services and reviews

About Raiffeisenbank Kreis Kelheim eG

Raiffeisenbank Kreis Kelheim eG is a regional German cooperative bank (eG) serving the district of Kelheim in Bavaria with retail and SME banking. It offers current accounts, savings and term deposits, consumer and business loans, residential real estate financing, and payment services under the cooperative Volksbanken Raiffeisenbanken network. Securities services are provided via the cooperative group infrastructure (e.g., custody and trading through partners within the DZ BANK Group), with access to investment funds typically distributed by Union Investment; insurance products are commonly placed through R+V Versicherung; home savings contracts are available via Bausparkasse Schwäbisch Hall. Card products include girocard and credit cards (Visa/Mastercard) with contactless and app-based authentication options, and cash access is available through the nationwide BankCard ServiceNetz of Volksbanken Raiffeisenbanken. Digital banking is delivered via online banking and the VR BankingApp, using TAN-based two-factor authentication (e.g., app- or chip-based procedures); some processes and complex products may still require branch interaction. As a cooperative, customers can become members and subscribe for shares; voting rights follow the one-member-one-vote principle, and any dividend is subject to the annual members’ meeting and business results. The bank is supervised by BaFin and the Deutsche Bundesbank and participates in the BVR Institutssicherung (statutory deposit guarantee up to 100,000 EUR per depositor) and the additional BVR protection scheme. Pricing and product conditions are set locally and published in the Preis- und Leistungsverzeichnis; availability may be limited to the bank’s defined market area and documentation is primarily in German.