Raiffeisenbank Oberes Gäu eG products, services and reviews

About Raiffeisenbank Oberes Gäu eG

Raiffeisenbank Oberes Gäu eG is a regional cooperative bank (eingetragene Genossenschaft) serving the Oberes Gäu area in Baden‑Württemberg, focusing on retail and small to mid-sized business customers. Its product set typically includes current accounts, savings and term deposits, consumer credit and overdrafts, mortgages (including public program loans such as KfW where applicable), and payments services with girocards and optional credit or debit cards; investment and pension products as well as insurance are offered via the German cooperative financial network partners. Digital banking covers web and app access with two‑factor authentication and app‑ or device‑based TAN procedures; branch service and advisory remain core channels, with appointments, phone support, and secure messaging available. Card payments are contactless‑enabled, and mobile wallet support may be available for eligible cards; cash access is provided via the cooperative BankCard ServiceNetz ATM network. Business banking includes accounts, liquidity management, POS and e‑commerce acceptance solutions, and financing for working capital, equipment, and real estate. Deposits are protected under German law up to 100,000 EUR per depositor via the officially recognized BVR Institutssicherung; in addition, the institutional protection scheme of the BVR aims to prevent insolvency of member institutions. Pricing follows published schedules (Preisaushang and Preis‑ und Leistungsverzeichnis) with account packages, card fees, and charges for specific transactions; interest rates and conditions are variable and subject to change. The bank is subject to supervision by BaFin and the Deutsche Bundesbank. Availability of products, digital features, and terms can vary by customer segment; prospective customers should review current disclosures and fee schedules before opening an account.