Raiffeisenbank Region Sierning-Enns eGen

Raiffeisenbank Region Sierning-Enns eGen is a regional cooperative bank in Upper Austria operating under the Raiffeisen Banking Group structure, offering retail and small-business banking with a focus on its local catchment area. As an eGen (eingetragene Genossenschaft), it may allow customers to become cooperative members by subscribing shares; these are investment instruments separate from deposits and can involve holding periods, limited liquidity, and the risk of loss. Core services typically include current accounts, savings and term deposits, domestic and cross-border SEPA payments, debit and credit cards, and brokerage of investment and insurance products via Raiffeisen group partners, alongside lending such as consumer loans, mortgages, and SME financing; leasing solutions are commonly arranged through affiliated companies. Digital access is provided through Raiffeisen’s online and mobile banking (Mein ELBA), using strong customer authentication in line with PSD2; daily limits and security procedures apply. Account offerings are generally priced as packages with monthly fees, and charges can apply for cards, cash withdrawals outside the network or abroad, and foreign currency transactions; exact pricing and eligibility depend on the chosen product and customer profile. Deposits of eligible customers are protected up to EUR 100,000 per depositor under Austrian law implementing EU rules. The bank is subject to prudential and conduct supervision by the Austrian Financial Market Authority and oversight by the Oesterreichische Nationalbank. Onboarding requires standard identification and KYC documentation, service is primarily in German, and availability for non-residents or specialized products can be limited. Rates, fees, and conditions are published in the bank’s current schedule and may change.