Märkische Bank eG

Märkische Bank eG is a German cooperative bank headquartered in North Rhine-Westphalia and operating across the Märkischer Kreis and surrounding areas through a regional branch network and digital channels. As part of the Genossenschaftliche FinanzGruppe (Volksbanken Raiffeisenbanken), it offers retail and SME banking services including current accounts, savings and term deposits, consumer loans, mortgages, investment and securities brokerage via group partners, and insurance and building society products typically distributed through R+V Versicherung and Bausparkasse Schwäbisch Hall. Business clients can access accounts, liquidity and working-capital finance, commercial real estate financing (often via DZ HYP), payment services and acquiring through VR Payment, and public promotional loans such as KfW programs. Card products generally include girocard and credit cards with contactless functions and access to the cooperative ATM network; mobile and online banking rely on PSD2-compliant strong customer authentication, with app-based TAN solutions and support for common mobile wallets. Customers may become members by purchasing cooperative shares; any dividend depends on annual results and a resolution by the members’ meeting. Deposit protection is provided by the BVR Institutssicherung GmbH up to statutory limits, supplemented by the voluntary BVR Sicherungseinrichtung as an institutional protection scheme. Pricing is account-model dependent, with separate charges possible for cash services, paper statements, and out-of-network withdrawals; details are set out in the bank’s price and service notices. Märkische Bank eG is supervised by BaFin and the Deutsche Bundesbank.