Raiffeisenbank Region Wiener Alpen eGen

Raiffeisenbank Region Wiener Alpen eGen is a regional cooperative bank within the Austrian Raiffeisen sector that serves private customers, small and medium-sized enterprises, and agricultural clients in the Wiener Alpen area of Lower Austria. Organized as an eingetragene Genossenschaft, it is owned by members who subscribe cooperative shares and exercise voting rights in a general assembly, and it is not publicly listed. The bank provides day-to-day accounts, savings and term deposits, consumer and housing loans, overdrafts, and business financing, along with payment services and cards; investment funds, securities services, and insurance are typically offered via licensed entities within the Raiffeisen group. Digital banking is available through the Raiffeisen online and mobile platforms, with strong customer authentication under PSD2, and supports SEPA credit transfers, direct debits, and standing orders, while cash access is provided through ATMs in the Raiffeisen/Bankomat network. Pricing generally follows packaged current accounts with monthly maintenance fees, plus separate charges for cards, special transfers, cash services, and international usage; interest rates and fees vary by product and customer segment. Account opening requires standard identification and onboarding checks under Austrian KYC/AML rules, with business accounts requiring corporate documentation; availability of remote onboarding can depend on product and customer status. Deposits are protected by the Austrian statutory deposit guarantee (Einlagensicherung AUSTRIA GmbH) up to EUR 100,000 per eligible depositor per bank, with limited additional protection for certain temporary high balances as defined by law. The bank is supervised under Austrian regulation by the Financial Market Authority and the Oesterreichische Nationalbank and participates in the Raiffeisen institutional protection scheme, which provides sectoral support and risk monitoring. Lending decisions are based on affordability, credit checks, and collateral where applicable, and the institution applies sanctions screening and transaction monitoring in line with regulatory requirements. Branches and self-service zones operate across its catchment area with opening hours that vary by location, and service is primarily in German; customers can access service lines, digital channels, and in-branch advisory appointments for transactions and product applications. Customers should review the current schedule of fees, interest rates, and product terms, as these can change and may differ between private and business clients.