Volksbank eG Mosbach products, services and reviews

About Volksbank eG Mosbach

Volksbank eG Mosbach is a regional German cooperative bank serving private and business customers in and around Mosbach as part of the Volksbanken Raiffeisenbanken network. It offers standard retail and SME services including current accounts, savings and term deposits, girocard and credit cards, consumer and mortgage lending, business credit and cash management, as well as investment and insurance products provided through network partners such as Union Investment, R+V Versicherung, DZ BANK and Bausparkasse Schwäbisch Hall. Access is via local branches, online banking and the VR Banking App with two‑factor authentication; card payment features typically include contactless use and support for common mobile wallets, though availability can depend on card type and customer profile. Account models generally carry monthly maintenance fees and service-dependent charges; cash withdrawals are usually free within the Volksbanken Raiffeisenbanken ATM network and may incur fees at third-party machines. As a cooperative, customers can purchase membership shares that confer voting rights and a dividend if approved by the members’ assembly; share availability, minimums and payout depend on the bank’s results and policy. The bank is supervised by BaFin and the Deutsche Bundesbank; deposits are protected up to 100,000 euros per depositor under the officially recognized institutional protection scheme of the cooperative sector (BVR Institutssicherung), with an additional institutional protection mechanism in place that aims to prevent insolvency. Typical eligibility requirements apply for account opening and lending, including identity verification and credit checks. The offering targets households and SMEs in the local catchment area; pricing, branch availability and digital features reflect the broader cooperative network’s standards and may differ by tariff and over time.