Volksbank Raiffeisenbank Würzburg eG

Volksbank Raiffeisenbank Würzburg eG is a regional cooperative bank based in Würzburg and part of the Genossenschaftliche FinanzGruppe Volksbanken Raiffeisenbanken, offering retail and business banking with an emphasis on the local market. The product range typically includes current accounts (private and business) with tiered monthly fees, overdrafts, savings and term deposits, consumer loans, mortgages and construction financing, as well as securities brokerage and custody, investment funds (commonly via Union Investment), building society contracts (Schwäbisch Hall), and insurance distributed through group partners (R+V). Card options generally cover a Girocard and optional Debit Mastercard or Visa Debit, plus charge or credit cards in several tiers; contactless payments and major mobile wallets such as Apple Pay and Google Pay are supported for eligible cards. Cash access is provided through the nationwide BankCard ServiceNetz ATM network of cooperative banks; withdrawals at third-party ATMs and foreign usage can incur fees. Digital banking is available via online banking and the VR Banking app, with PSD2-compliant two-factor authentication (e.g., SecureGo plus app or chipTAN), electronic statements, and SEPA real-time transfers where enabled. Business customers can access SME financing, working capital and investment loans, cash management, POS and e-commerce acquiring via VR Payment, and solutions such as leasing or factoring through group companies. Account opening is possible in branch and, for many products, online using VideoIdent or PostIdent; advisory appointments are offered on-site or remotely. Pricing, interest rates, and card conditions are published in the bank’s Preis- und Leistungsverzeichnis and vary by account package and usage; youth and student accounts may have preferential terms. The bank is supervised by BaFin and the Deutsche Bundesbank and participates in the cooperative sector’s institutional protection scheme; statutory deposit protection up to EUR 100,000 per depositor is fulfilled via BVR Institutssicherung, with the broader institutional protection of the group aimed at preventing insolvency. As a registered cooperative (eG), customers can become members by purchasing shares, gaining limited co-determination rights; any dividend on shares depends on business results and a resolution by the members’ meeting. International payments include SEPA credit transfers and direct debits, with cross-border non-SEPA transfers processed via SWIFT subject to fees and foreign exchange conditions.