Raiffeisenbank Oldenburg eG products, services and reviews

About Raiffeisenbank Oldenburg eG

Raiffeisenbank Oldenburg eG is a German cooperative bank (eingetragene Genossenschaft) serving private and business customers in Oldenburg and the surrounding area as part of the Genossenschaftliche FinanzGruppe Volksbanken Raiffeisenbanken. Its product range typically covers current accounts, savings and term deposits, consumer loans, real estate financing, and payment services, along with investment, building savings, and insurance products distributed via group partners such as DZ BANK, Union Investment, Bausparkasse Schwäbisch Hall, and R+V Versicherung. Digital access includes online and mobile banking with PSD2-compliant two-factor authentication (e.g., app-based TAN or chipTAN). Customers can obtain a girocard and optional credit cards (Mastercard/Visa), use contactless functions, and withdraw cash within the cooperative ATM network; withdrawals at third-party ATMs may incur fees. Account packages generally have monthly management fees and pricing depends on the chosen model, usage, and optional services; conditions for youth or student accounts may differ. For businesses and associations, offerings commonly include current accounts, merchant and e-commerce payments via group providers, cash management, and financing, including access to public development programs such as KfW. Deposits are protected by the statutory deposit guarantee up to 100,000 EUR per depositor via the BVR Institutssicherung; the bank also participates in the cooperative institutional protection scheme, and it is supervised by BaFin and the Deutsche Bundesbank. Governance follows cooperative principles with member shareholding, a supervisory board, and a management board; member dividends on cooperative shares are possible if approved but not guaranteed. Availability of specific products, fees, interest rates, and features can change and may vary by customer profile.