Raiffeisenbank Althofen - Guttaring, registrierte Genossenschaft mit beschränkter Haftung

Raiffeisenbank Althofen - Guttaring, registrierte Genossenschaft mit beschränkter Haftung, is a local cooperative bank within the Raiffeisen Banking Group in Carinthia, serving the Althofen and Guttaring area through local branches. As a cooperative entity, ownership is held by members who can acquire cooperative shares and exercise voting rights in the general assembly; membership is not required to use banking services. The bank provides standard retail and business banking, including current and savings accounts, debit and credit cards, consumer and housing loans, mortgages, investment and insurance distribution via group partners, and payment services; businesses can access corporate accounts, working capital and investment financing, and POS/e‑commerce acceptance solutions. Digital access is offered via Mein ELBA online banking and the Raiffeisen mobile app with strong customer authentication under PSD2; card payments support contactless and widely used mobile wallets. Pricing follows published tariffs with package-based account fees, card fees, and transaction charges; foreign and out‑of‑network usage may incur additional costs. Deposits are protected by the Austrian statutory deposit guarantee up to EUR 100,000 per eligible depositor, and the institution is supervised by the Austrian Financial Market Authority and the Oesterreichische Nationalbank. Account opening requires standard identification and AML checks. Customer service and complaints can be handled in branch, by phone, and through online channels, with escalation options to external dispute resolution where applicable.