Raiffeisenbank Austria d.d.

Raiffeisenbank Austria d.d. (often branded as RBA) is a Croatian joint-stock bank headquartered in Zagreb and is a subsidiary of Raiffeisen Bank International AG, Vienna. It operates under a license from the Croatian National Bank and provides retail, SME, and corporate banking, including current and savings accounts, term deposits, overdrafts, consumer and mortgage loans, business lending, trade finance (letters of credit and guarantees), cash management, and foreign exchange. The bank issues major card brands and supports contactless and tokenized payments, and it offers internet and mobile banking with strong customer authentication and PSD2-compliant access for licensed third parties. Accounts are maintained in euro, domestic payments are routed via SEPA, and cross-border transfers are available via international payment networks; standard fees and foreign exchange charges apply where relevant. Distribution is through a nationwide branch and ATM network supplemented by digital channels; account opening, service eligibility, and limits depend on residency status and due diligence requirements. Client deposits are covered up to EUR 100,000 per depositor under Croatia’s statutory deposit guarantee scheme in line with EU rules. As part of a larger banking group supervised at the European level, the bank publishes audited financial statements and is subject to local prudential and consumer-protection regulation; group-level policies can influence capital, liquidity, and risk management at the subsidiary. This institution is typically used by individuals and businesses operating in Croatia that require standard domestic banking, card services, and access to euro payments, while non-resident services are available subject to internal policy and documentation.