Volksbank Raiffeisenbank Bayern Mitte eG

Volksbank Raiffeisenbank Bayern Mitte eG is a regional cooperative bank headquartered in Ingolstadt and operating across parts of Upper Bavaria, offering retail and business banking under the Genossenschaftliche FinanzGruppe Volksbanken Raiffeisenbanken. Its product set covers current accounts, savings and term deposits, SEPA payments (transfers, direct debits, standing orders), contactless cards (girocard and credit cards), consumer loans, overdrafts, and residential mortgages, alongside services for self-employed and SME clients such as business accounts, working-capital facilities, investment and commercial real estate finance, cash management, and point-of-sale solutions. Securities custody, investment funds, and brokerage are available through cooperative partners such as Union Investment and DZ BANK, with insurance via R+V Versicherung and building-society savings via Schwäbisch Hall. Access is provided through a regional branch network, online banking, and the VR Banking App, with strong customer authentication supported by TAN procedures including the VR SecureGo plus app and chip/photo TAN options. Cash services and fee-free withdrawals for customers are available across the cooperative BankCard ServiceNetz; charges may apply at third-party ATMs. Pricing is package-based with monthly account fees and transaction-dependent charges; student, youth, and digital-focused variants and tiered business tariffs are offered, with terms dependent on the chosen model and channel. As an eG, governance follows the cooperative principle with member voting rights; supervision lies with BaFin and the Deutsche Bundesbank. Deposits are covered by the statutory German guarantee up to 100,000 EUR per depositor and by the cooperative sector’s institutional protection scheme (BVR Institutssicherung), supplemented by the BVR voluntary protection scheme.