As a traditional German financial institution, Volksbank Raiffeisenbank (VR) enjoys an excellent reputation among its customers. The bank is highly competent in financial matters and offers personalized advice.
Customers also benefit from a wide range of credit cards, including the Volksbank Raiffeisenbank Gold Card. Whether you are a personal or business client, VR Bank supports you with ordering your card, managing it, and also offers connections to international credit card organizations.
But VR Bank doesn’t just offer the Volksbank Raiffeisen Gold Card—it can also provide customers access to the BasicCard or the ClassicCard. These different cards are available as either Visa or Mastercard.
The Benefits of the Volksbank Raiffeisenbank Gold Card at a Glance
With the Volksbanken Raiffeisenbanken Gold Card, you have worldwide access to around one million ATMs, so you can always get cash—no matter where you are. On top of that, there are about 30 million locations around the world where your card is accepted.
Whether you're at a hotel, renting a car, dining at a restaurant, filling up at a gas station, or shopping at a department store—the Gold Card is accepted virtually everywhere. That’s one reason why it’s considered one of the best travel credit cards available.
But the credit card isn’t just worth its weight in gold for in-person shopping. It’s also perfect for shopping online. Plus, there’s a feature that makes using the card especially pleasant and convenient: your own personal choice of PIN. At any ATM, you can set up a PIN that’s easy for you to remember.
Contactless Payments
Contactless payment has now become the standard. That’s why the Volksbank Raiffeisenbank Gold Card is also equipped with a contactless payment feature. This allows you to pay for your groceries at the supermarket or your bill at the hairdresser quickly, securely, and without contact.
Transactions are authorized in less than a second, and your payment is completed successfully. You can recognize the contactless feature on your Volksbank Raiffeisenbank Gold Card by the corresponding symbol, which looks like a vertical WiFi logo.
For maximum convenience and security, you'll need to enter your PIN for purchases of 25 euros or more. Your card balance is settled once a month from the account you provided.
Safety Comes First
When you choose to use the Volksbank Raiffeisenbank Gold Card, you can enjoy a range of benefits. For example, the VR-BankingApp automatically sends you a notification whenever your card is used for a payment.
This feature ensures transparency and security. In addition, with the Gold Card, you can take advantage of VR-Entertain. As a VR-Bank customer, the platform allows you to enter prize draws or get tickets to exclusive events.
What are the requirements for getting the VR Bank Gold Card?
The basic requirement for obtaining the credit card is having a checking account with a Volksbank Raiffeisenbank. In this regard, the card is quite similar to those offered by other banks.
The account can either be a regular checking account or a payroll account. What's important is that the account is active and receives regular incoming payments. In some cases, you may need to provide proof of income, which can be a tax statement or a pension estimate. Another requirement is that you must be of legal age, meaning at least 18 years old.
How do I apply for the Volksbanken Raiffeisenbanken Gold Card?
To apply for the card, you will need to visit one of the many Volksbanken Raiffeisenbanken branches. We recommend scheduling a personal appointment with a staff member in advance.
You can use this link to quickly find a branch near you. Once your application has been successfully submitted, you will receive a confirmation email.
Your Volksbanken Raiffeisenbanken Gold Card will then be sent to your specified address within a few business days. For security reasons, your PIN code will be delivered separately from the card.
What are the fees for the card?
As mentioned above, you need to have an active account with Volksbank Raiffeisenbank to get the Gold Card. Unlike your account, however, the card does not charge any debit or credit interest.
However, VR-Bank does charge a monthly fee for providing and using the card. The exact fee depends on the type of current account you have. Here is an overview:
- PrivatGiro Aktiv, Komfort: €7 per month for the main card, €3.50 for each additional card
- PrivatGiro Premium: The first credit card is free, additional cards cost €3.50 each
- Konto blauorange: The first credit card is free, additional cards cost €3.50 each
Contact Information for Applications
You can find more information and details about offers and conditions at any of the 10,000 VR Bank branches across Germany. The Volksbank Raiffeisen websites also provide valuable information.
To find your nearest branch, simply enter your postal code into the branch locator search field. You will then receive the address, opening hours, and information about branches in your area.
You can also contact the Volksbank Raiffeisen customer service via their contact form or by calling 030 3063-3300. Alternatively, you can reach the central Volksbank Raiffeisenbank office by mail.
Volksbank Raiffeisenbank Nürnberg eG, Königstraße Branch, Königstraße 5, 90402 Nuremberg. Here you will get answers to your questions and further information.
Conclusion
For anyone who already has a checking account with Volksbank Raiffeisenbank and values personal service, the Gold Card is an ideal addition to their account. Prices and conditions are comparable to other banks, making it especially attractive for employees.
Note: As a financial product, every credit card carries some risks. Always check the latest terms and conditions. You can also find further information in the General Terms and Conditions of the Bank.
