Raiffeisenbank Thayatal-Mitte eGen

Raiffeisenbank Thayatal-Mitte eGen is a legally independent cooperative bank within the Raiffeisen Banking Group Austria, serving retail, small business, agricultural, and association clients in the Thayatal area of Lower Austria through local branches and digital channels. As a cooperative (eGen), it is owned by member-shareholders and governed by a management board and supervisory board, with a regional focus typical of Austria’s Raiffeisen sector. The bank offers standard Austrian retail and SME services including current and savings accounts, term deposits, domestic and SEPA payments, Debit Mastercard and credit cards, online and mobile banking via Mein ELBA with PSD2-compliant strong customer authentication, and access to the national Bankomat ATM network; it also intermediates mortgage and consumer loans, business and agricultural financing, leasing (via Raiffeisen-Leasing), investment funds and securities services (via Raiffeisen group providers), building society contracts (Raiffeisen Bausparkasse), and insurance brokerage (Raiffeisen Versicherung/UNIQA). Pricing and interest rates are set locally and vary by account package, card type, and service usage; fees, overdraft terms, and commissions are published in the bank’s schedule of charges and are subject to change. Account opening generally requires standard KYC/AML documentation, tax residency information, and source-of-funds verification; availability of video identification and fully digital onboarding depends on the product and customer residency. Digital services cover payments, transfers, card controls, and securities orders where enabled, with optional support for common mobile wallets depending on card issuer and device. The bank is supervised by the Austrian Financial Market Authority (FMA) with oversight by the Oesterreichische Nationalbank (OeNB), participates in the Raiffeisen sector’s institutional protection scheme, and its eligible deposits are protected up to EUR 100,000 per depositor under Austria’s statutory deposit guarantee (Einlagensicherung AUSTRIA GmbH). Product scope, eligibility, and service levels can differ from other Raiffeisen banks due to the decentralized structure, so customers should review the specific terms, fee schedules, and disclosures issued by Raiffeisenbank Thayatal-Mitte eGen before contracting.