VR Bank Bayreuth-Hof eG

VR Bank Bayreuth-Hof eG is a German cooperative bank (eingetragene Genossenschaft) serving private customers, self-employed clients, SMEs, associations, and agricultural businesses in the Bayreuth and Hof region of Upper Franconia. The bank offers standard retail and corporate services including current accounts, girocard and Mastercard/Visa credit cards, online and mobile banking via the VR Banking app with PSD2-compliant two-factor authentication (e.g., SecureGo plus or chipTAN), savings and term deposits, consumer loans, mortgages and construction finance, and business lending. Investment and securities services are provided with custody accounts and brokerage access, typically supported by cooperative partners such as Union Investment and DZ BANK; insurance products are available through R+V Versicherung; building society contracts are offered via Bausparkasse Schwäbisch Hall; payments, POS terminals, and e-commerce acquiring are available through VR Payment; and SME equipment financing solutions are available via VR Smart Finanz. Branch access is combined with a regional ATM footprint and withdrawals at cooperative ATMs nationwide via the BankCard ServiceNetz; fees generally apply depending on account model, card type, and transaction volume. Corporate banking includes business accounts, cash management (including EBICS), guarantees, and documentary services via the cooperative network. Account opening is possible in-branch and, for selected products, online using video identification or Postident. The bank is part of the Volksbanken Raiffeisenbanken network and covered by the cooperative sector’s BVR Institutssicherung (statutory deposit guarantee up to 100,000 euros per depositor) and the additional BVR institutional protection scheme; it is supervised by BaFin and the Deutsche Bundesbank. Members can subscribe cooperative shares and may receive a dividend subject to resolution by the general assembly.