VR-Bank Ellwangen eG products, services and reviews

About VR-Bank Ellwangen eG

VR-Bank Ellwangen eG is a regional cooperative bank based in Ellwangen (Jagst) in Baden-Württemberg and part of the Genossenschaftliche FinanzGruppe Volksbanken Raiffeisenbanken. It serves private customers, self-employed professionals, SMEs, associations, and agricultural clients with standard retail and business banking: current accounts, savings and term deposits, consumer and mortgage financing, overdrafts, and payment services including SEPA transfers, direct debits, standing orders, and card payments. Securities and investment products are typically offered via cooperative partners (e.g., investment funds and custody services), building-society savings and home finance are available through the sector’s Bausparkasse, and insurance solutions are provided through the cooperative insurance network; leasing, factoring, and POS/e-commerce acquiring are available via affiliated providers. The bank offers online and mobile banking with two-factor authentication in line with PSD2, e-statements, card management features, and 3D Secure for internet payments; mobile wallet support may be available for eligible cards. Card options generally include a girocard for domestic payments and cash withdrawals and internationally accepted debit and credit cards (Visa/Mastercard) via the cooperative network. Cash services are supported through access to the nationwide BankCard ServiceNetz of cooperative ATMs; fees for out-of-network withdrawals and account packages depend on the chosen tariff and are published in the bank’s price list (Preis- und Leistungsverzeichnis). Business clients can access cash management, corporate cards, financing solutions, and merchant services. Accounts can usually be opened in branch; online onboarding with digital identification is available for selected products. Deposits are protected up to 100,000 euros per depositor under the BVR Institutssicherung GmbH (statutory scheme), with additional institutional protection provided by the BVR Sicherungseinrichtung. The bank is supervised by BaFin and the Deutsche Bundesbank and focuses on customers in Ellwangen and the surrounding Ostalbkreis region. Terms, product availability, and fees are subject to change and vary by customer profile.