Raiffeisen Bank Villach registrierte Genossenschaft mit beschränkter Haftung

Raiffeisen Bank Villach registrierte Genossenschaft mit beschränkter Haftung is an independent cooperative bank based in Villach, Carinthia, operating within the Raiffeisen Bankengruppe Österreich via the regional Raiffeisen sector. It focuses on retail and small-business banking in its catchment area, offering current and savings accounts, payment services (including SEPA transfers and direct debits), debit and credit cards, consumer and housing loans, and financing for local enterprises. Investment and securities services are distributed through the Raiffeisen network, and the bank also intermediates insurance products via partners. Access is provided through branches and digital channels, including online and mobile banking via Mein ELBA, with cash services available through the nationwide Bankomat network. As a registered cooperative with limited liability, ownership is held by members and governance follows Austrian cooperative law with a general assembly, a supervisory board, and a management board. The institution is licensed under the Austrian Banking Act and supervised by the Financial Market Authority (FMA) and the Oesterreichische Nationalbank; it participates in the Raiffeisen institutional protection scheme, and eligible deposits are covered up to EUR 100,000 per depositor under the Austrian Raiffeisen deposit guarantee scheme in line with EU rules, with statutory provisions for certain temporary high balances. Fees, interest rates, and product terms are set locally and can differ from other Raiffeisen institutions due to the decentralized structure; account opening, lending decisions, and documentation requirements follow Austrian KYC and AML standards, and international payments are handled via SEPA and SWIFT.