Question 1

What is Raiffeisenbank Donau-Heuberg?

Accepted Answer

Raiffeisenbank Donau-Heuberg is a regional cooperative bank operating in Baden-Württemberg, Germany. It provides comprehensive retail and business banking services to individuals, families, small businesses, and SMEs in the eastern Tuttlingen district, serving communities along the young Danube River and the adjacent Heuberg mountain range.

As a member of the DZ Bank cooperative banking network and part of Germany's Volksbanken Raiffeisenbanken group, the bank combines local expertise with access to nationwide financial products and services. With over 5,000 members, it represents the strongest association of individuals in the Donau-Heuberg administrative region.

Question 2

When was Raiffeisenbank Donau-Heuberg founded?

Accepted Answer

Raiffeisenbank Donau-Heuberg's heritage dates back to July 12, 1882, when the Raiffeisenkasse Mühlheim was founded, making it one of the oldest financial institutions in the region with over 140 years of history. The current institution was formed in 1968 through the merger of Raiffeisenkasse Mühlheim eGmbH with Spar- und Darlehnskasse Königsheim eGmbH.

The bank underwent numerous consolidations over subsequent decades: merging with Spar- und Darlehnskasse Kolbingen (1967), Raiffeisenkasse Irrendorf (1970), Spar- und Darlehnskasse Mahlstetten and Renquishausen (1971), and Raiffeisenbank Fridingen (1972)—at which point the legal seat moved to Fridingen. The final merger occurred in 1977 with Raiffeisenbank Buchheim.

The bank received its authorization from German financial authorities on June 28, 2017, as recorded in the EBA register, representing a regulatory milestone. The administrative headquarters has been located in Mühlheim an der Donau throughout most of its modern history.

Question 3

Where is Raiffeisenbank Donau-Heuberg headquartered?

Accepted Answer

Raiffeisenbank Donau-Heuberg has its legal seat in Fridingen an der Donau, Baden-Württemberg, while the administrative headquarters is located in Mühlheim an der Donau. This dual structure reflects the bank's merger history and geographic coverage.

Question 4

Where does Raiffeisenbank Donau-Heuberg operate?

Accepted Answer

Raiffeisenbank Donau-Heuberg operates in the eastern Tuttlingen district of Baden-Württemberg, serving communities along the Danube River and the Heuberg mountain range. The bank maintains seven branch locations (including one self-service branch) in the Donau-Heuberg municipalities.

Branch locations include Fridingen an der Donau (legal seat), Mühlheim an der Donau (administrative headquarters), Mahlstetten, Kolbingen, Bärenthal, Irndorf, and Buchheim. This comprehensive coverage ensures local access throughout the region, which encompasses rural villages, small towns, and agricultural areas.

Question 5

What services does Raiffeisenbank Donau-Heuberg offer?

Accepted Answer

Raiffeisenbank Donau-Heuberg offers a comprehensive range of retail and business banking services, including:

Personal Banking: VR-Online current accounts, savings accounts, time deposits (Festgeld), debit cards, credit cards, consumer loans (easyCredit with immediate approval), car loans, and comprehensive home financing (Baufinanzierung) solutions.

Business Banking: Business accounts, payment processing, international payment services (Auslandszahlungsverkehr), corporate loans (Unternehmerkredit up to €100,000), and specialized financial services for SMEs and agricultural enterprises.

Digital Services: Online banking platforms via VR-Online, mobile banking applications, and telephone banking. The bank's self-service facilities include ATMs, account statement printers, and comprehensive digital banking tools.

Specialized Services: Through cooperative network partnerships, the bank provides R+V insurance products (including private liability and business insurance), Bausparkasse Schwäbisch Hall building society savings, betriebliche Altersvorsorge (company pension plans), VR Leasing, DZ Hyp mortgage banking, and Union Investment fund management services.

Question 6

What makes Raiffeisenbank Donau-Heuberg unique?

Accepted Answer

Raiffeisenbank Donau-Heuberg distinguishes itself through its long-term relationship focus and community commitment. The bank's business philosophy prioritizes "not short-term business success, but a long-term customer relationship—for a lifetime—for the benefit of members and customers."

With over 5,000 members, the bank represents the strongest people's association in the Donau-Heuberg administrative region. Its cooperative structure means members actively participate in democratic governance and share in the institution's success.

The bank's comprehensive security scheme participation includes both the mandatory BVR Institutssicherung GmbH and the voluntary additional deposit guarantee scheme, providing robust protection that has historically prevented member losses. With over 140 years of combined heritage, the bank has weathered numerous economic cycles while maintaining its commitment to the principle: "What one person cannot do alone—many can!"

Question 7

What type of financial institution is Raiffeisenbank Donau-Heuberg?

Accepted Answer

Raiffeisenbank Donau-Heuberg is a Genossenschaftsbank (cooperative bank), specifically an "eingetragene Genossenschaft" (eG), which is the standard legal form for cooperative credit institutions in Germany.

As a Genossenschaft, the bank is owned by its members who hold shares and elect representatives to the general assembly (Generalversammlung). This assembly, along with the board of directors (Vorstand) and supervisory board (Aufsichtsrat), ensures democratic governance. The cooperative model emphasizes mutual self-help and serving members' financial needs while maintaining long-term stability—principles established by Friedrich Wilhelm Raiffeisen in the 19th century.

Raiffeisenbank Donau-Heuberg

in Germany 🇩🇪

Crypto-Friendliness

All done!

About Raiffeisenbank Donau-Heuberg in Germany

Raiffe­isenba­nk Donau-­Heuberg