VR-Bank Ludwigsburg eG

VR-Bank Ludwigsburg eG is a regional cooperative bank based in Ludwigsburg (Baden‑Württemberg) and part of the Volksbanken Raiffeisenbanken network, serving private customers, self-employed clients, associations, and SMEs through local branches and digital channels. As an eingetragene Genossenschaft, customers can become members by acquiring cooperative shares; membership rights include voting at the general meeting, and any dividend is subject to annual results and a board/shareholder resolution. The bank offers current accounts with package-based pricing and separate fees for paper instructions, branch services, and certain card or cash transactions; youth and student options are typically available. Payments include SEPA transfers, direct debits, standing orders, and card payments; instant transfers may be offered depending on the account and channel. Card products generally comprise a girocard and optional Visa or Mastercard debit/credit cards; cash withdrawals are available at the bank’s ATMs and across the nationwide Volksbanken Raiffeisenbanken network, with fees applying at third-party machines and for foreign currency usage. Digital access is provided via online banking and the VR BankingApp, with PSD2-compliant strong customer authentication (e.g., SecureGo plus), and support for mobile wallets such as Apple Pay and Google Pay may be available with eligible cards. Lending covers overdrafts, consumer installment loans (including partner solutions within the cooperative group), mortgages and building-savings products, and business financing such as investment and working-capital loans; merchant services and e-commerce acquiring are provided via group providers (e.g., VR Payment), and leasing/factoring solutions are accessible through affiliated entities. Investment and pension offerings include securities custody and brokerage, investment funds (e.g., Union Investment), and insurance from R+V Versicherung, with advice subject to MiFID II requirements. Deposits are protected up to 100,000 euros per depositor under the statutory scheme recognized via BVR Institutssicherung; the cooperative institutional protection scheme of the BVR also aims to stabilize member institutions. VR-Bank Ludwigsburg eG is supervised by BaFin and the Deutsche Bundesbank; pricing and conditions are set out in the bank’s Preis- und Leistungsverzeichnis and product terms.