Volksbank Halle (Saale) eG

Volksbank Halle (Saale) eG is a regional cooperative bank based in Halle (Saale), Saxony-Anhalt, operating within the Genossenschaftliche FinanzGruppe Volksbanken Raiffeisenbanken and supervised by BaFin and the Deutsche Bundesbank. It serves private and corporate clients with current accounts, savings and term deposits, payment services, and cards (girocard/debit and Mastercard/Visa credit cards with contactless and 3‑D Secure). Digital banking is provided via online banking and the VR BankingApp, with strong customer authentication through SecureGo plus or chipTAN/Sm@rt-TAN, and support for giropay as well as Apple Pay and Google Pay for eligible cards. Lending covers overdrafts, consumer instalment loans, home financing, and SME/corporate credit including promotional programs (e.g., via KfW), alongside cash management and merchant acquiring through the cooperative network (VR Payment). Securities custody and brokerage, investment funds, and insurance are available through group partners such as DZ BANK, Union Investment, Bausparkasse Schwäbisch Hall, and R+V Versicherung. The bank maintains branches in Halle (Saale) and the surrounding area, complemented by phone and online channels, and offers cash withdrawals across the nationwide Volksbanken Raiffeisenbanken ATM network; fees can apply at third‑party ATMs. Account models typically carry monthly maintenance fees and per‑transaction pricing that vary by package and channel; a price list and the EU fee information document are published. As a registered cooperative (eG), customers can become members by subscribing cooperative shares, gaining voting rights; dividends on shares are not guaranteed and are subject to the annual resolution and the statutes. Deposits are protected up to 100,000 EUR per depositor by BVR Institutssicherung GmbH; the sector’s institutional protection scheme (BVR Sicherungseinrichtung) aims to prevent insolvency of member institutions. SEPA payments and international transfers via SWIFT are supported.