Raiffeisenbank Rastede eG

Raiffeisenbank Rastede eG is a cooperative bank based in Rastede, Lower Saxony, operating within the Volksbanken Raiffeisenbanken network. It serves retail customers and regional SMEs with current accounts, savings and term deposits, consumer and real estate financing, business loans and credit lines, and payment services including SEPA transfers, standing orders, direct debits, and card payments via girocard and common credit card brands. Access channels include local branches, ATMs across the cooperative network, online banking, and the VR banking app; transactions are authorized with strong customer authentication using TAN procedures such as SecureGo plus or chipTAN in line with PSD2 requirements. The bank distributes investment, building savings, leasing, and insurance products through cooperative group partners such as Union Investment, Bausparkasse Schwäbisch Hall, VR Smart Finanz, and R+V Versicherung. Fees and conditions are set out in the published schedule of prices and services; account packages typically involve monthly maintenance charges and fees for cards and selected transactions, and interest rates are variable. As an eingetragene Genossenschaft, customers may subscribe cooperative shares to become members with voting rights and potential dividend payments subject to earnings and a member resolution. The institution is supervised by BaFin and the Deutsche Bundesbank. Deposits are covered by the BVR Institutssicherung (statutory deposit guarantee) and additionally by the institutional protection scheme of the cooperative financial network within applicable legal limits.