Volksbank am Württemberg eG

Volksbank am Württemberg eG is a regional cooperative bank (eingetragene Genossenschaft) based in Baden‑Württemberg and part of the nationwide Volksbanken Raiffeisenbanken cooperative financial network. It serves private customers, self‑employed professionals, and small and mid‑sized enterprises in its local market with branch-based and digital access. Core services include current accounts, savings and term deposits, payment services within SEPA, girocard and credit cards, online and mobile banking, and cash supply via the cooperative BankCard ServiceNetz of ATMs. Lending covers overdrafts, consumer loans, mortgages and home financing, as well as working capital, investment and commercial real estate finance for businesses, including access to promotional programs such as KfW via the cooperative group. Investment and securities services are offered through group partners (e.g., DZ BANK and Union Investment), building society products via Bausparkasse Schwäbisch Hall, insurance via R+V Versicherung, and solutions for leasing, factoring and merchant acquiring through specialized entities in the group (including VR Smart Finanz and VR Payment). As a cooperative, the bank is owned by members; customers can usually acquire cooperative shares and exercise voting rights under the one‑member‑one‑vote principle, with any dividend on shares determined annually and not guaranteed. Deposits are protected under the institutional protection scheme of the Cooperative Financial Network via BVR Institutssicherung GmbH, which is the officially recognized deposit guarantee scheme in Germany up to 100,000 euros per depositor, with an additional institutional protection mechanism designed to stabilize member institutions. The bank is subject to supervision by BaFin and the Deutsche Bundesbank. Fees, interest rates and product conditions follow the published price and service schedule and vary by account model, usage and risk profile; cross‑border and non‑euro payments are processed via correspondent banking and may incur additional charges.