Raiffeisenbank Oberes Waldviertel eGen

Raiffeisenbank Oberes Waldviertel eGen is a regional cooperative bank in Austria that serves retail, private, agricultural, and small business customers in the Upper Waldviertel area of Lower Austria. As part of the Raiffeisen Banking Group in Austria, it operates under the cooperative model and is supervised by the Austrian Financial Market Authority (FMA) and the Oesterreichische Nationalbank (OeNB) within the EU Single Supervisory Mechanism framework for less significant institutions. Deposits are protected by the statutory Austrian deposit guarantee scheme (Einlagensicherung AUSTRIA GmbH) up to EUR 100,000 per depositor per bank, and the bank participates in the Raiffeisen sector’s institutional protection scheme; neither constitutes a state guarantee. The product range typically includes current and savings accounts, term deposits, payment services and cards, consumer and housing loans, agricultural and SME financing, and access to building-society savings, securities and investment funds, and insurance products via established group partners. Digital banking is provided via the group’s Mein ELBA online and mobile platform with PSD2-compliant strong customer authentication, and cards are compatible with common payment schemes and, where available, major mobile wallets such as Apple Pay and Google Pay. Pricing generally follows published tariff sheets with account packages and service fees; interest rates and conditions vary by product and customer profile. As a local institution, everyday banking and credit decisions are region-focused, while more specialized capital markets or international services are handled through group entities. Constraints may include a narrower selection versus direct banks, possible branch interaction for certain processes, and standard market risks for non-deposit products. Financial statements, tariff information, and regulatory disclosures are published through official channels.