Volkswagen Bank Gesellschaft mit beschränkter Haftung

Volkswagen Bank Gesellschaft mit beschränkter Haftung (Volkswagen Bank GmbH) is a German credit institution headquartered in Braunschweig and part of Volkswagen Financial Services within the Volkswagen Group. It focuses on automotive-related finance and deposit-taking, providing consumer auto loans, financing solutions for dealers and fleets via group entities, and direct banking products such as call-money and term deposits in selected markets; in Germany these services have been offered under its own name and brand labels tied to Volkswagen Group marques (e.g., Audi, SEAT, ŠKODA), with availability and product scope varying by country. The bank operates under the German Banking Act and is supervised by BaFin and the Deutsche Bundesbank; eligible deposits are protected by the German statutory deposit guarantee scheme up to EUR 100,000 per depositor per bank. Pricing, interest rates, and contractual terms are published by the bank and differ by product; early repayment, overdraft, or foreign-use fees may apply where relevant. Account opening typically requires standard identity verification (e.g., PostIdent or VideoIdent in Germany) and residency or tax documentation aligned with local rules, and digital access is provided through online and mobile channels. Funding is sourced from customer deposits and capital markets, and credit risk is concentrated in the automotive sector, including exposures to Volkswagen Group customers and dealers. Credit ratings, risk disclosures, and capital ratios are reported in the bank’s audited financial statements and regulatory filings. Availability, product features, and conditions are subject to change and local legal requirements.