Question 1

What is Raiffeisenbank Südhardt?

Accepted Answer

Raiffeisenbank Südhardt is a German cooperative bank (Genossenschaftsbank) headquartered in Durmersheim, Baden-Württemberg. As a member of the Cooperative Financial Network, the bank serves the northern Rastatt district in the Middle Baden region between the Rhine River and the Black Forest.

The bank operates as a universal bank, offering comprehensive financial services to retail and commercial customers. With over 125 years of history, Raiffeisenbank Südhardt emphasizes regional commitment, personal advisory services, and the cooperative principles of self-help, self-governance, and self-responsibility.

Question 2

When was Raiffeisenbank Südhardt founded?

Accepted Answer

Raiffeisenbank Südhardt traces its origins to May 19, 1898, when the "Ländlicher Kreditverein" (Rural Credit Association) was founded in Durmersheim. This institution served as one of the bank's predecessor organizations.

The modern Raiffeisenbank Südhardt eG was formed in 1970 through the merger of three cooperative banks: Spar- und Kreditbank eGmbH Bietigheim, Raiffeisenbank eGmbH Elchesheim-Illingen, and Raiffeisenbank eGmbH Durmersheim. Prior to this, in 1963, Raiffeisenkasse Au am Rhein eGmbH had already merged with Raiffeisenbank eGmbH Elchesheim-Illingen, consolidating the cooperative banking presence in the region.

The bank celebrated its 125th anniversary in 2023, marking more than a century of service to its local communities.

Question 3

Where is Raiffeisenbank Südhardt headquartered?

Accepted Answer

Raiffeisenbank Südhardt is headquartered in Durmersheim, Baden-Württemberg, Germany. The main office is located at Hauptstraße 47, 76448 Durmersheim.

Question 4

Where does Raiffeisenbank Südhardt operate?

Accepted Answer

Raiffeisenbank Südhardt operates in the northern part of Rastatt district in the Middle Baden region. The bank's service area encompasses four municipalities: Durmersheim, Bietigheim, Au am Rhein, and Elchesheim-Illingen.

The bank maintains a network of branches and self-service locations across these communities, including its main branch in Durmersheim, full-service branches in Au am Rhein, Bietigheim, and Elchesheim-Illingen, and self-service facilities in Durmersheim (Raiffeisenplatz) and Würmersheim.

Question 5

What services does Raiffeisenbank Südhardt offer?

Accepted Answer

Raiffeisenbank Südhardt offers comprehensive universal banking services for private and commercial customers. Core services include current accounts (Girokonto) with various account models, payment services, and modern digital banking through online banking platforms and the VR-BankingApp.

The bank provides savings and investment products, including traditional savings accounts, investment funds through Union Investment, and securities trading. Financing services encompass residential mortgages, consumer loans through easyCredit, and building society savings through Bausparkasse Schwäbisch Hall.

Insurance and wealth management services are offered in partnership with R+V Versicherung, covering property, liability, life insurance, and pension products including Riester retirement plans. Business banking services include commercial accounts, business financing, and cash management solutions.

Digital services include mobile banking apps, online account management, contactless payment cards (Mastercard and VISA), and 24-hour self-service terminals at multiple locations.

Question 6

What makes Raiffeisenbank Südhardt unique?

Accepted Answer

Raiffeisenbank Südhardt distinguishes itself through its cooperative ownership structure, where members are simultaneously owners and customers with active participation rights. The bank operates according to the motto "Wir machen den Weg frei" (We clear the way), emphasizing member promotion and regional economic development.

The bank's deep regional roots spanning 125 years provide intimate knowledge of local markets and personal relationships with customers. As a cooperative institution, it prioritizes long-term stability over short-term profit maximization, focusing on sustainable community development.

Strong community engagement characterizes the bank's operations, with support for local social, cultural, and sports initiatives. The institution maintains extensive partnership networks within the Cooperative Financial Network, collaborating with DZ Bank, R+V Versicherung, Bausparkasse Schwäbisch Hall, Union Investment, and other specialized financial service providers.

The bank's dual deposit protection system through BVR Institutssicherung GmbH and the voluntary BVR protection scheme provides exceptionally robust security for customer deposits, going beyond statutory requirements.

Question 7

What type of financial institution is Raiffeisenbank Südhardt?

Accepted Answer

Raiffeisenbank Südhardt is a Genossenschaftsbank (cooperative bank), specifically a registered cooperative (eingetragene Genossenschaft - eG). In Germany, cooperative banks are one of the three pillars of the banking system alongside private commercial banks and public savings banks (Sparkassen).

The bank is registered in the cooperative register (Genossenschaftsregister) at the Mannheim Local Court under number GnR 520019. Its legal foundation rests on the German Cooperative Societies Act (Genossenschaftsgesetz) and its own statutes adopted by the representatives' assembly.

As a credit institution, Raiffeisenbank Südhardt is supervised by the German Federal Financial Supervisory Authority (BaFin) and belongs to the National Association of German Cooperative Banks (Bundesverband der Deutschen Volksbanken und Raiffeisenbanken - BVR). The bank is part of the BVR deposit guarantee scheme (DE_BVR-ISG), which provides both institutional protection and depositor compensation.

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