Raiffeisenbank Oberpinzgau eGen

Raiffeisenbank Oberpinzgau eGen is a regional cooperative bank serving the Oberpinzgau area of the Pinzgau district in the state of Salzburg, Austria. As part of the Raiffeisen Banking Group, it operates under the cooperative model, where eligible customers can become members with voting rights in the general assembly, and it participates in the group’s institutional protection scheme. The bank is subject to prudential supervision by the Austrian Financial Market Authority (FMA) and the Oesterreichische Nationalbank (OeNB). Core activities include retail and small-business banking such as current and savings accounts, domestic and cross-border payment services within SEPA, debit and credit cards, consumer loans, residential mortgages, SME and agricultural financing, as well as securities brokerage and fund savings plans via Raiffeisen group partners and insurance intermediation. Access is provided through local branches and ATMs in its catchment area and via Mein ELBA online and mobile banking; contactless and mobile payment options are supported subject to card and device eligibility. Fees, interest rates, and lending terms are set locally and published in the bank’s price lists; underwriting depends on income, collateral, and affordability checks, and standard know-your-customer identification is required for onboarding (additional documentation applies to businesses). Deposits are protected up to EUR 100,000 per depositor per bank under the Austrian statutory deposit guarantee (Einlagensicherung AUSTRIA GmbH), while securities and higher balances are subject to market and issuer risk and are not covered by the deposit guarantee. Service availability, branch hours, and product features can change, so prospective clients should review the latest disclosures, tariff sheets, and pre-contractual information before opening an account or taking out credit.