Raiffeisenbank Main-Spessart eG products, services and reviews

About Raiffeisenbank Main-Spessart eG

Raiffeisenbank Main-Spessart eG is a regional German cooperative bank serving private customers, small and mid-sized enterprises, agriculture, and associations in the Main-Spessart area of Bavaria. As part of the Volksbanken Raiffeisenbanken cooperative financial network, it offers standard retail and business banking services including current accounts, savings products, girocard and credit cards, domestic and SEPA payments, consumer loans and mortgages, as well as business accounts, cash logistics, and acquiring solutions. Investment, securities, and insurance are typically provided through network partners such as Union Investment and R+V Versicherung; building society savings and loans are available via affiliated providers, with DZ BANK supporting capital markets services. Account models are usually package-based with published fees, interest, and service conditions in the Preis- und Leistungsverzeichnis; overdraft limits, card options, and pricing depend on the chosen package and customer segment. Digital access includes online banking with PSD2-compliant strong customer authentication (e.g., SecureGo plus or chipTAN) and the VR Banking app; support for mobile wallets such as Apple Pay and Google Pay is generally available within the network where enabled. Cash services are provided through local branches and self-service points, with nationwide ATM access via the cooperative BankCard ServiceNetz when using a girocard, subject to the bank’s conditions. Deposits are protected up to €100,000 per depositor under the German statutory scheme operated by BVR Institutssicherung GmbH and supplemented by the cooperative network’s institutional protection. Governance follows the cooperative model, where members hold shares and voting rights; the bank is subject to supervision by BaFin and the Deutsche Bundesbank. Conditions, lending decisions, and availability of products are determined locally and depend on individual eligibility and creditworthiness.