Vereinigte Volksbanken eG

Vereinigte Volksbanken eG is a German cooperative bank (eingetragene Genossenschaft) within the Genossenschaftliche FinanzGruppe Volksbanken Raiffeisenbanken, operating regionally with a mix of branches and digital channels. The bank offers current accounts with tiered pricing, savings and term deposits, debit and credit cards, overdraft facilities, consumer loans, mortgages, securities custody and brokerage, and access to network partners for insurance (R+V), building society savings and home finance (Schwäbisch Hall), investment funds (Union Investment), and leasing or corporate solutions. Business customers can obtain payment accounts, merchant services, EBICS, working capital and investment financing, and advisory support for public development programs such as KfW. Account packages typically carry monthly maintenance fees; charges may apply for cash withdrawals at non-cooperative ATMs, card issuance, paper statements, instant payments, and manual transactions, with student and youth variants available; interest rates and fees change over time and by tariff. Payment capabilities include SEPA transfers and direct debits, standing orders, and international transfers via SWIFT; cash services are supported via the cooperative BankCard ServiceNetz ATM network, with cash deposit machines available at selected locations. Online banking and the VR Banking App support PSD2 strong customer authentication (e.g., SecureGo plus or Sm@rtTAN/photoTAN), electronic statements, and secure messaging; Apple Pay and Google Pay are generally available for eligible cards. Customers may acquire cooperative shares that confer membership rights and a vote; any dividend is discretionary and not guaranteed. The bank is supervised by BaFin and the Deutsche Bundesbank and participates in the BVR Institutssicherung (institutional protection scheme) that fulfills EU deposit guarantee requirements up to 100,000 EUR per depositor; an additional voluntary protection scheme exists within the group. Account opening usually requires valid identification and residence in Germany (non-resident access varies); service is primarily in German. Availability of products, pricing, and branch services varies by location and is subject to change; the official price list and terms provide the binding details.