Raiffeisenbank Oberpfalz Süd eG products, services and reviews

About Raiffeisenbank Oberpfalz Süd eG

Raiffeisenbank Oberpfalz Süd eG is a regional cooperative bank serving the southern Upper Palatinate in Bavaria and operating within the Volksbanken Raiffeisenbanken network. As a registered cooperative (eG), it is owned by members and focuses on retail customers, the self-employed, and SMEs, providing current accounts, savings and term deposits, consumer loans, home financing, and payment cards, alongside business accounts, working-capital lines, commercial real estate and equipment finance, and merchant services delivered through group providers. Investment and insurance products are typically offered via cooperative partners such as Union Investment (funds), Bausparkasse Schwäbisch Hall (building society), R+V Versicherung (insurance), and VR Smart Finanz and other group companies (leasing and factoring). Digital access includes online banking and the VR Banking app with strong customer authentication (e.g., SecureGo plus or chipTAN), HBCI/FinTS connectivity for personal finance software, and EBICS for corporate clients; Apple Pay and Google Pay are generally supported for eligible cards. Cash services are available at branches and through the nationwide BankCard ServiceNetz of Volksbanken Raiffeisenbanken ATMs. Pricing follows published account packages with channel-dependent booking fees; business tariffs scale with usage; securities custody and order execution are charged per the bank’s price list. Deposits are protected up to 100,000 EUR per depositor by BVR Institutssicherung GmbH (the statutory scheme); the BVR’s additional institutional protection scheme is designed to prevent insolvency and can provide support within its rules. The bank is supervised by BaFin and the Deutsche Bundesbank. Advisory is provided in-branch and remotely, with regional branch coverage and service hours set locally; the product shelf reflects the cooperative group’s offerings and a regional operating focus rather than an international footprint.