Volksbank Kierspe eG

Volksbank Kierspe eG is a regional cooperative bank based in Kierspe, North Rhine-Westphalia, operating within the Volksbanken Raiffeisenbanken network. As an eingetragene Genossenschaft (eG), it is owned by members who can subscribe cooperative shares and exercise voting rights; any dividend on shares depends on business results and member resolutions. The bank focuses on retail and small business customers in its catchment area, offering current accounts, savings and term deposits, consumer and mortgage lending, business accounts and financing, as well as securities custody and brokerage services provided through the cooperative financial group (including partners such as DZ BANK and Union Investment), plus insurance and building society products typically via group providers. Payment services include SEPA transfers, standing orders, girocard and credit cards, contactless payments, and access to the BankCard ServiceNetz ATM infrastructure; mobile wallet options such as Apple Pay and Google Pay are available for eligible cards within the Volksbanken system. Digital banking is provided via online banking and the VR Banking app, with strong customer authentication under PSD2 using app-based TAN or a TAN generator. Fees for accounts, cards, cash withdrawals outside the network, securities services, and other transactions are set out in the price and service schedule; interest rates and conditions are subject to change. Deposits are protected by the statutory German deposit guarantee up to 100,000 euros per depositor and by the cooperative sector’s institutional protection scheme (BVR). Volksbank Kierspe eG is supervised by BaFin and the Deutsche Bundesbank and maintains local branch-based advisory alongside remote service channels.