Raiffeisenbank Region Pregarten eGen

Raiffeisenbank Region Pregarten eGen is a locally operated cooperative bank (eingetragene Genossenschaft) serving Pregarten and surrounding municipalities in Upper Austria. It is part of the Raiffeisen Banking Group Austria and the Raiffeisen Bankengruppe Oberösterreich, operates under the Austrian Banking Act, and is supervised by the Financial Market Authority (FMA) and the Oesterreichische Nationalbank; it participates in the Raiffeisen institutional protection scheme recognized under EU banking rules. The bank focuses on retail and small business customers and offers current and savings accounts, domestic and cross-border SEPA payments, debit and credit cards, consumer and housing loans, and SME financing, alongside securities brokerage and fund distribution via group providers and insurance intermediation. Digital access is provided through the group’s Mein ELBA online and mobile banking with PSD2 strong customer authentication, supporting account management, transfers, standing orders, card controls, and e-bills, while in-branch advisory is used for lending and investment services. Deposits are protected by the Austrian statutory deposit guarantee up to EUR 100,000 per depositor per institution under the ESAEG, and investor compensation applies to eligible services within legal limits. Pricing follows published fee schedules for accounts, cards, and services; lending is subject to credit assessment and, where applicable, collateral and affordability checks. As a cooperative, customers can become members by acquiring cooperative shares with voting rights in the general assembly; membership is separate from the banking relationship and any distributions depend on annual results and resolutions. The institution’s scope is regional, which may limit specialization in complex capital markets or international corporate banking, but its integration into the Raiffeisen network provides access to group platforms and shared infrastructure for standard retail and SME banking needs.