Raiffeisenbank Pfaffenwinkel eG

Raiffeisenbank Pfaffenwinkel eG is a German cooperative bank (eingetragene Genossenschaft) serving private and business customers in the Pfaffenwinkel region of Bavaria. As part of the Cooperative Financial Network of Volksbanken Raiffeisenbanken, it offers current accounts with package-based pricing, savings and term deposits, consumer loans, residential mortgages, SME financing and cash management, securities brokerage and custody via group partners, building society savings, insurance mediation, and merchant/payment services. Access is provided through local branches, self-service terminals and the nationwide VR ATM network, online banking and the VR Banking App, with girocards and credit cards for domestic and international payments; availability of fee-free withdrawals and card features depends on the chosen account model. Governance follows cooperative law with a Management Board and Supervisory Board; customers can become members by subscribing cooperative shares and may receive a dividend subject to annual results and a members’ meeting resolution. Deposits are covered up to €100,000 per depositor by the legally recognized deposit guarantee scheme of the cooperative sector (BVR Institutssicherung GmbH); the network also operates an institutional protection scheme designed to prevent bank failures. The bank is supervised by BaFin and the Deutsche Bundesbank and operates under applicable German and EU regulations (e.g., KWG, PSD2, GDPR). Conditions, fees and interest rates are published in the price and service schedule and may change; lending is subject to credit assessment, and investment products carry market and issuer risk. Service hours, branch availability and selected product features reflect the local market.