Raiffeisenbank Schladming-Gröbming eGen

Raiffeisenbank Schladming-Gröbming eGen is a regional cooperative bank in Styria, Austria, operating within the Raiffeisen Banking Group and aligned with the state-level Raiffeisen-Landesbank structure. It focuses on retail, small business, agricultural and tourism-sector clients in the Schladming–Gröbming area, providing current and savings accounts, term deposits, SEPA payment services, lending (including consumer, mortgage and business financing), debit and credit cards via group or partner issuers, securities custody and investment fund distribution, building savings and leasing arrangements, and insurance brokerage through partner insurers. Account models typically carry monthly package fees that vary by included services such as cards, transfers, ATM usage and statement formats; standard euro payments within SEPA are supported and accounts use Austrian IBANs (AT). Debit access is commonly via the national Bankomat network, and credit cards are issued through affiliated providers; fees for cash withdrawals, foreign transactions and card packages depend on the chosen tariff. Online and mobile banking are available with two-factor authentication in line with PSD2 requirements, and e-banking contracts specify security procedures and limits. Lending conditions may be fixed or variable with pricing linked to market benchmarks, and applications are subject to creditworthiness, collateral and documentation checks under Austrian regulations. As a registered cooperative (eGen), ownership is held by members with voting rights, and governance is via a management board and supervisory board; the institution is subject to oversight by the Austrian Financial Market Authority (FMA) and the Oesterreichische Nationalbank. Eligible deposits are protected by the Austrian statutory deposit guarantee up to EUR 100,000 per depositor per bank, with separate investor-compensation rules for certain investment services. Account opening for non-residents or specific legal forms can be restricted and requires full identification; German is the primary service language. Branch coverage is centered on Schladming and Gröbming with regional ATMs, and product availability, pricing and conditions can differ from those of other Raiffeisen entities; current tariffs, terms and product sheets govern all services and are updated periodically.