VR Bank Neuburg-Rain eG products, services and reviews

About VR Bank Neuburg-Rain eG

VR Bank Neuburg-Rain eG is a regional cooperative bank serving customers in and around Neuburg an der Donau and Rain am Lech, operating within the Genossenschaftliche FinanzGruppe Volksbanken Raiffeisenbanken. It provides retail and business banking services including current accounts, savings and term deposits, payment services, lending, and advisory. Account packages are typically tiered with monthly maintenance fees and usage-based charges; additional costs can apply for items such as external ATM withdrawals, paper statements, instant transfers where available, and credit cards. Debit cards (girocard) and optional Mastercard/Visa products are offered with contactless capability and 3-D Secure for online payments, and eligible cards can be used with common mobile wallets depending on configuration. Cash access is available through the bank’s own ATMs and the nationwide BankCard ServiceNetz used by Volksbanken Raiffeisenbanken; over-the-counter cash services are provided at selected locations. Payments include SEPA transfers and standing orders, international transfers via SWIFT, and support for standard security and strong customer authentication methods such as app-based TAN (e.g., SecureGo plus) or chip-TAN. The bank offers consumer loans, overdraft facilities, home financing, and KfW-supported programs, alongside business lending for working capital and investment; leasing, factoring, and merchant acquiring are available through affiliated providers within the cooperative network. Investment and savings options include securities custody and brokerage via partner platforms, fund savings plans with Union Investment, and building society products via Schwäbisch Hall; insurance solutions are distributed in cooperation with R+V. Digital banking is provided via online banking and the VR Banking app, with document upload, e-statements, and secure messaging; appointment-based advice is available in-branch and by phone or video. Business customers can access EBICS and file-based SEPA processing, point-of-sale terminals, and e-commerce payment solutions through VR Payment. Deposits are protected up to 100,000 EUR per depositor under the statutory BVR Institutssicherung GmbH scheme; the additional institutional protection scheme of the cooperative group is intended to safeguard affiliated institutions. The bank is subject to supervision by BaFin and the Deutsche Bundesbank and participates in the cooperative banking ombudsman scheme for dispute resolution. Account opening generally requires identification in person or via video/eID, with specific documentation for businesses; product availability, conditions, and fees depend on the selected tariff and individual usage and are detailed in the bank’s current price and service disclosures.