Volksbank Raiffeisenbank Regensburg-Schwandorf eG

Volksbank Raiffeisenbank Regensburg-Schwandorf eG is a regional cooperative bank (eingetragene Genossenschaft) serving customers in the Regensburg and Schwandorf areas of Bavaria. It offers retail and business banking including current accounts, savings and term deposits, cards and payments, online and mobile banking, consumer loans and mortgages, and financing for SMEs, trades, and agriculture. Securities custody and brokerage, investment funds, and wealth-related products are provided via the Cooperative Financial Network, including Union Investment; building society savings and home financing are available through Bausparkasse Schwäbisch Hall; insurance is distributed in cooperation with R+V Versicherung; commercial real estate financing may be arranged with DZ HYP/DZ BANK; leasing and SME solutions are available through VR group entities. Cash access is via the Volksbanken Raiffeisenbanken nationwide ATM network; girocard and credit cards (Visa/Mastercard) are issued, and mobile wallets such as Apple Pay and Google Pay are supported for eligible cards. Digital services include the VR Banking app and VR SecureGo plus for strong customer authentication under PSD2. Accounts are typically structured as package models with monthly fees; pricing, interest rates, limits, and eligibility depend on product and customer segment. Customer deposits are protected by the German statutory deposit guarantee up to 100,000 EUR per depositor and by the BVR institutional protection scheme. The bank is a member of BVR and is supervised by BaFin and the Deutsche Bundesbank. Customers may acquire cooperative shares with associated member rights; dividends on those shares are subject to annual resolutions.