Raiffeisenbank Mittelschwaben eG products, services and reviews

About Raiffeisenbank Mittelschwaben eG

Raiffeisenbank Mittelschwaben eG is a regional cooperative bank (eingetragene Genossenschaft) serving private customers, self-employed clients, SMEs, and agricultural businesses in its catchment area in Germany. As part of the Genossenschaftliche FinanzGruppe (Volksbanken Raiffeisenbanken), it provides standard retail and business banking services including current accounts, savings products, term deposits, consumer and real estate financing, business loans, payment services, and cash supply via ATMs within the BankCard ServiceNetz. Card options typically include a girocard and credit or debit cards issued via cooperative group partners, with contactless payments supported; SEPA transfers, standing orders, and direct debits are standard. Digital access is provided through online banking and a mobile banking app with PSD2-compliant strong customer authentication; securities custody and brokerage, investment funds, insurance, and building-society products are available via the cooperative financial network. Accounts generally require standard German identification and residence documentation, with onboarding possible in-branch and, depending on product and eligibility, via remote identification methods permitted in Germany. Pricing follows the published schedule of prices and services (Preis- und Leistungsverzeichnis), with account management fees and transaction-related charges depending on the chosen model; interest rates and conditions for loans and deposits are set by the bank and may vary over time. Eligible deposits are covered by Germany’s statutory deposit guarantee up to 100,000 EUR per depositor per bank (Einlagensicherungsgesetz) and the bank participates in the institutional protection scheme of the cooperative sector (BVR Institutssicherung), which aims to prevent member insolvency; an additional voluntary protection scheme exists within the group. Lending is subject to credit assessment; investment products carry market and issuer-specific risks. The bank primarily operates in German and focuses its services on customers within its regional market.