Volksbank Hohenlohe eG products, services and reviews

About Volksbank Hohenlohe eG

Volksbank Hohenlohe eG is a regional cooperative bank serving the Hohenlohe district in Baden‑Württemberg and forms part of the Genossenschaftliche FinanzGruppe Volksbanken Raiffeisenbanken. The institution offers standard retail and business banking, including current accounts with tiered pricing, girocard debit cards and optional Visa/Mastercard products, savings and term deposits, overdrafts, consumer loans, and mortgage financing. Investment and securities services are provided through the cooperative network (for example custody and brokerage via DZ BANK and fund solutions via Union Investment), while building society savings and home financing products are distributed via Bausparkasse Schwäbisch Hall and insurance via R+V Versicherung; merchant acquiring and POS solutions are available via VR Payment, and corporate clients can access working capital and investment financing as well as cash management and payments. Digital channels include online banking and the VR Banking App with two‑factor authentication (e.g., VR SecureGo plus or chipTAN), contactless payments, and support for common mobile wallets where enabled; account opening may be available online with video identification or in branch, subject to eligibility and regional onboarding rules. Cash services are handled through local branches and self‑service terminals, and customers can use the nationwide ATM network of Volksbanken Raiffeisenbanken; charges for withdrawals at non‑network ATMs and foreign currency fees depend on the card and tariff. Pricing, interest rates, and service features vary by account package and product and are set out in the bank’s price and service list and pre‑contractual information; early repayment, brokerage, and custody fees can apply. As a cooperative, clients may become members by purchasing shares, which confer voting rights at the general meeting and may pay a dividend if resolved; shares are not deposits, can be subject to notice periods and transfer restrictions, and dividends are not guaranteed. Deposits are protected by the statutory BVR Institutssicherung up to 100,000 EUR per depositor and the additional institutional protection scheme of the cooperative financial network; investment products carry market risk and are not covered by deposit insurance. The bank is subject to supervision by BaFin and the Deutsche Bundesbank; cross‑border payments use SEPA within the EEA and SWIFT for other destinations. This setup targets private individuals, self‑employed persons, and SMEs in the region, with availability, terms, and service hours dependent on the local branch network and the bank’s current tariff structure.