Raiffeisenbank Ortenburg - Kirchberg v.W. eG products, services and reviews

About Raiffeisenbank Ortenburg - Kirchberg v.W. eG

Raiffeisenbank Ortenburg - Kirchberg v.W. eG is a German cooperative bank (eingetragene Genossenschaft) serving private individuals, small and medium-sized enterprises, and agricultural clients in its local catchment area. As part of the Genossenschaftliche FinanzGruppe Volksbanken Raiffeisenbanken, it offers standard retail and business banking services including current accounts, savings and term deposits, consumer and mortgage lending, SME and agriculture financing, payment services (SEPA transfers, standing orders, direct debits), girocard and debit cards, and credit cards; it also intermediates investments, building society savings, and insurance through group partners such as Union Investment, Bausparkasse Schwäbisch Hall, DZ BANK, and R+V Versicherung, and merchant acquiring via VR Payment. Customers can bank via local branches, ATMs and self-service terminals within the nationwide cooperative ATM network, online banking, and the mobile app, with PSD2-compliant strong customer authentication and electronic statements; IT infrastructure is provided sector-wide by Atruvia. Pricing is typically structured through account packages and published in the bank’s Preis- und Leistungsverzeichnis; interest rates and fees vary by product and are subject to change. Deposits are protected under Germany’s statutory scheme up to EUR 100,000 per depositor via BVR Institutssicherung GmbH, alongside the institutional protection scheme of the National Association of German Cooperative Banks (BVR). The institution is supervised by BaFin and the Deutsche Bundesbank and participates in domestic and cross-border payments through the cooperative group and correspondent networks. As a cooperative, ownership lies with member-customers who may exercise voting rights and, if resolved by the general meeting, receive a dividend; governance follows the two-tier German model with a management board and supervisory board. The bank’s product scope and risk management align with sector standards, with specialist services handled by group entities; availability of specific digital features, account opening options, and branch services depends on local implementation and published conditions.