Volksbank Plochingen eG products, services and reviews

About Volksbank Plochingen eG

Volksbank Plochingen eG is a registered cooperative bank based in Plochingen that serves private and business customers in its local region. As part of the Genossenschaftliche FinanzGruppe, it offers current accounts, savings and term deposits, consumer and housing loans, mortgage and construction financing, securities brokerage and investment funds, and insurance and pension solutions via group partners such as DZ BANK, Union Investment, R+V Versicherung, and Bausparkasse Schwäbisch Hall; business clients typically find corporate accounts, working-capital and investment financing, commercial real estate lending, and payment services including card acceptance via VR Payment. Access is provided through branch offices, self-service terminals and the nationwide cooperative ATM network, as well as online banking and the VR Banking app; strong customer authentication under PSD2 is supported with TAN procedures such as VR SecureGo plus. The bank issues debit (girocard) and credit cards (e.g., Mastercard/Visa) with contactless capability and supports mobile wallets such as Apple Pay and Google Pay for eligible cards. As a cooperative (eG), customers may become members by subscribing cooperative shares, receiving voting rights and, if resolved, a dividend dependent on business results. Deposits are covered by the statutory deposit guarantee up to 100,000 euros per depositor via BVR Institutssicherung; the bank also belongs to the institutional protection scheme of the National Association of German Cooperative Banks (BVR). Pricing follows the published schedule of prices and services, with fees and conditions varying by account model and service package; interest rates and product terms are subject to change. Account opening and lending are subject to identification, credit checks, and applicable regulatory requirements, and certain services may be limited to the bank’s defined market area.