VOLKSBANK WIEN AG

VOLKSBANK WIEN AG is an Austrian cooperative bank headquartered in Vienna that operates as a universal bank and serves as the central institution of the Volksbanken-Verbund, providing treasury, liquidity, risk management, IT, and product platforms to the affiliated regional Volksbanken. Its business covers retail, SME, and corporate clients, offering current and savings accounts, payment services, cards, online and mobile banking, mortgages and consumer loans, SME and corporate financing, cash management, and trade services; investment and insurance products are typically distributed via licensed partners. The bank focuses primarily on the domestic market with a branch network in Vienna and surrounding regions and access to the national Bankomat ATM system. VOLKSBANK WIEN AG is licensed and supervised by Austrian authorities under EU banking rules, and eligible deposits are protected up to EUR 100,000 per depositor under the statutory Austrian deposit guarantee regime; investment products and non-deposit instruments are not covered by this protection. Fees, interest rates, and product eligibility vary by segment and are subject to Austrian KYC/AML requirements and local tax rules. The institution’s cooperative structure and central role in the Verbund mean that customer experience and product availability can depend on regional entities and shared-service arrangements, and international services may be limited compared with globally active banks.