Volksbank Mittlerer Schwarzwald

Volksbank Mittlerer Schwarzwald is a regional cooperative bank whose main activity is providing banking and financial services to individuals, businesses, and members of the local community. It offers a wide range of products and services, including:Current accounts (Girokonto): management of daily finances for individuals and professionals.Debit and credit cards: Mastercard and Visa payment solutions.Loans and financing: personal loans (easyCredit), mortgage loans, financing for businesses and self-employed individuals.Savings and investments: savings products, investments, online brokerage.Digital services: VR Banking App, mobile payment solutions such as Wero, online account management.Insurance: insurance offers tailored to clients’ needs.Personalized advice: support for wealth management, retirement planning, and provident schemes.The bank is mainly aimed at individuals, families, small and medium-sized businesses, as well as self-employed people in the Mittlerer Schwarzwald region. It emphasizes proximity, trust-based relationships, local support, and the participation of its members, who can become shareholders and benefit from specific advantages.

The Volksbank Mittlerer Schwarzwald is a German cooperative bank rooted in the central Black Forest region. Its history is part of the tradition of Volksbanken and Raiffeisenbanken, which emerged in the 19th century to support the local economy, individuals, and businesses through a cooperative model where customers can become members and co-owners of the bank.

Key stages of its development:

• Creation: Volksbank Mittlerer Schwarzwald is the result of the merger of several regional cooperative banks, a common process in the German banking sector to strengthen financial stability and service offerings. These mergers have made it possible to expand the membership base and optimize local presence.
• Products and services: The bank offers a full range of banking products for individuals and businesses: current accounts (Girokonto), debit and credit cards (Mastercard, Visa), consumer loans (easyCredit), savings and investment solutions (Online-Brokerage), as well as innovative digital services such as the VR Banking App and instant payment Wero.
• Digitalization: The bank has invested in the digitalization of its services, allowing clients to manage their finances online or via mobile apps, while maintaining a network of physical branches for local support.
• Partnerships: As a member of the Volksbanken Raiffeisenbanken network, Volksbank Mittlerer Schwarzwald benefits from synergies with other cooperative banks and financial partners, particularly for access to specialized products (insurance, loans, investments).
• Strategic changes: The bank regularly adapts to regulatory and technological developments, focusing on security, ease of use, and closeness to its members. It values client participation in the life of the bank, notably through the payment of an annual dividend to members.

Today, Volksbank Mittlerer Schwarzwald positions itself as a strong, innovative regional player close to its clients, true to the motto “Meine Bank gehört mir” (“My bank belongs to me”), which reflects the cooperative and participatory spirit of the institution.

The founder of Volksbank Mittlerer Schwarzwald is not a single person, as it is a cooperative bank historically founded by members of the local community, in accordance with the Volksbanken model in Germany. Regarding the current management team, the bank is led by a management board (Vorstand) composed of:

Management Board (Vorstand):
- Jürgen Riexinger (Chairman of the Management Board)
- Jürgen Harter (Member of the Management Board)

The supervisory board (Aufsichtsrat) oversees the management board, but the main operational members are those of the management board mentioned above.