Raiffeisenbank Oberaudorf eG products, services and reviews

About Raiffeisenbank Oberaudorf eG

Raiffeisenbank Oberaudorf eG is a regional cooperative bank based in Oberaudorf (Bavaria) and part of the Genossenschaftliche FinanzGruppe Volksbanken Raiffeisenbanken. It offers retail and small-business banking with current accounts, savings and term deposits, consumer loans, mortgages and real estate financing, payment services, and card products (girocard and credit cards via group partners). Customers have access to online banking and a mobile app with two-factor authentication in line with PSD2, alongside traditional branch-based services and cash machines within the Volksbanken Raiffeisenbanken ATM network; availability of specific devices and services depends on the local branch. Securities investments and custody, building society savings and home finance, leasing, and insurance are typically provided through group companies such as Union Investment, DZ BANK, Bausparkasse Schwäbisch Hall, and R+V Versicherung. Business clients can expect accounts, liquidity solutions, financing, and payment acceptance options, with some specialized products delivered via network partners. As a cooperative, clients can become members by subscribing to shares and receive voting rights; any dividend is subject to the bank’s results and member resolutions. The bank is supervised by BaFin and the Deutsche Bundesbank. Deposits are protected by Germany’s statutory deposit guarantee up to 100,000 EUR per depositor per bank, supplemented by the institutional protection scheme of the BVR. Fees, interest rates, and service conditions vary by product and are set out in the bank’s price and service list; foreign transfers may incur correspondent fees and FX margins. The bank’s geographic focus is local, which can limit branch coverage outside its service area.