Raiffeisenbank Oberpfalz NordWest eG products, services and reviews

About Raiffeisenbank Oberpfalz NordWest eG

Raiffeisenbank Oberpfalz NordWest eG is a regional cooperative bank in Bavaria’s Upper Palatinate that operates within the Volksbanken Raiffeisenbanken network and focuses on retail and SME banking in its local market. The product set covers current and savings accounts, term deposits, consumer and housing finance, business lending, payment services, and cash management, with investment funds, securities custody and brokerage typically provided through group partners such as DZ BANK and Union Investment, and insurance and building-society products distributed via R+V Versicherung and Bausparkasse Schwäbisch Hall. Access is offered through local branches, online banking, and a mobile app with PSD2-compliant strong customer authentication; girocards and credit cards are supported, contactless payments are enabled, and cash withdrawals are available across the BankCard ServiceNetz of Volksbanken Raiffeisenbanken ATMs. Business clients can use electronic banking interfaces such as EBICS for payments and reporting. As a cooperative, the institution is owned by its members; subscribed shares provide participation and voting rights in the general meeting, and profit allocation, including any dividend on cooperative shares, is determined annually. The risk profile reflects a regional lender with concentrations in household and SME credit, complemented by fee-based services; key sensitivities include borrower credit quality in the catchment area and interest rate risk. The bank is supervised by BaFin and the Deutsche Bundesbank, operates under CRR/CRD and MaRisk, and participates in the BVR Institutssicherung GmbH statutory deposit guarantee scheme alongside the additional voluntary institutional protection scheme of the National Association of German Cooperative Banks (BVR). Pricing commonly follows account packages with monthly fees and separate charges for selected services, with conditions varying by account type and channel.