Bank für Kirche und Diakonie eG - KD-Bank

Bank für Kirche und Diakonie eG – KD-Bank is a German cooperative bank headquartered in Dortmund that specializes in financial services for churches, diaconal organizations, foundations, welfare and social service providers, and related nonprofits, with a complementary offering for private clients connected to these sectors. As a member of the cooperative banking group (BVR), it is part of the institutional protection scheme and the German statutory deposit guarantee framework, which generally protects eligible deposits up to 100,000 euros per depositor; supervision is carried out by BaFin and the Deutsche Bundesbank. The bank’s product set covers current and escrow accounts, payment services (including SEPA and cash management), cards, online and mobile banking, EBICS for institutions, lending for social and community real estate and projects, liquidity and treasury solutions for nonprofits, securities custody, and asset management aligned with church-specific sustainability and exclusion criteria. Governance follows the cooperative model (eG), with member shares and voting rights, and dividends determined by the annual result. Pricing and conditions are published in the bank’s schedule of fees; availability of products may differ between institutional and private segments, and the branch footprint is limited compared with universal banks, with service delivered via regional offices and remote channels. Investment and lending policies emphasize compliance with ethical guidelines typical of church finance, using negative screening and thematic approaches; capital market access and international transactions are provided through partner and correspondent networks rather than a proprietary global presence. The business model is specialized and sector-focused, which can offer domain-specific processes such as donation handling and project financing for social infrastructure, while also concentrating exposure to the church and nonprofit ecosystem; risk management, reporting, and audit follow German banking regulations and cooperative group standards. Potential customers should review eligibility, documentation requirements for nonprofit status where applicable, current fee schedules, interest rates, and deposit protection details before opening accounts or entering financing agreements.