Raiffeisenbank Gratwein-Hitzendorf eGen

Raiffeisenbank Gratwein-Hitzendorf eGen is a regional cooperative bank within the Raiffeisen Banking Group Austria, operating in the Graz-Umgebung district of Styria and serving private customers, small and medium-sized enterprises, and agricultural clients in and around Gratwein-Straßengel and Hitzendorf. Structured as an eingetragene Genossenschaft (member-owned cooperative), it combines local branch and self-service access with digital channels provided through the group’s Mein ELBA online and mobile banking platform. The offering includes current accounts, savings and term deposits, SEPA transfers and direct debits, debit and credit cards, consumer loans, overdrafts, mortgages, and business financing; securities and insurance products are typically distributed via group partners. International payments and foreign-currency services are available subject to fees and standard compliance checks. Pricing generally follows packaged account models with monthly maintenance fees and transaction-based charges set out in published tariffs; interest rates and lending terms vary with market conditions and customer risk. The bank is licensed under the Austrian Banking Act and supervised by the Austrian Financial Market Authority and the Oesterreichische Nationalbank. It participates in the Raiffeisen institutional protection and deposit guarantee scheme, with eligible deposits covered up to EUR 100,000 per depositor in line with EU rules. Account opening requires identification and documentation under Austrian AML/KYC requirements; services are primarily provided in German, and availability for non-residents depends on internal policy.