Volksbank Lastrup e.G. products, services and reviews

About Volksbank Lastrup e.G.

Volksbank Lastrup e.G. is a regional German cooperative bank (eingetragene Genossenschaft) serving private and business customers in Lastrup and the surrounding area, operating within the Genossenschaftliche FinanzGruppe Volksbanken Raiffeisenbanken. Its core offering typically includes current accounts, savings and term deposits, consumer loans, mortgages, and business banking (including SME and agricultural finance), along with payment services, girocards and, where offered, Mastercard/Visa credit cards, merchant acquiring via VR Payment, and access to the nationwide cooperative ATM network. Securities and investment products are commonly distributed through group partners such as Union Investment and DZ BANK, building society products via Bausparkasse Schwäbisch Hall, and insurance via R+V Versicherung. Digital access is provided through online banking and the VR Banking App with strong customer authentication (e.g., SecureGo plus or chipTAN); support for wallets like Apple Pay or Google Pay depends on card type and bank participation. International payments are available via SEPA and SWIFT, with fees per the bank’s schedule. As part of the cooperative sector, deposits are covered by the statutory deposit guarantee up to 100,000 EUR per depositor via BVR Institutssicherung GmbH, and the bank also participates in the institutional protection scheme of the BVR. Governance follows the cooperative model, allowing customers to become members by purchasing shares and to exercise voting rights in the general meeting; any dividend on cooperative shares is subject to annual resolution. Pricing (account maintenance, card, transaction, and service fees) and interest conditions are outlined in the Preis- und Leistungsverzeichnis and can vary by product; rates and terms are subject to change. The bank is supervised by BaFin and the Deutsche Bundesbank and applies standard AML/KYC and GDPR requirements. As a locally focused institution, branch access is concentrated in its region and service scope outside Germany is limited; product availability, digital features, and language support may vary, so prospective customers should confirm current conditions directly with the bank.