Raiffeisenbank Bezau-Mellau-Bizau eGen

Raiffeisenbank Bezau-Mellau-Bizau eGen is a regional cooperative bank in the Bregenzerwald area of Vorarlberg, Austria, operating branches in Bezau, Mellau, and Bizau and serving private customers, small businesses, and local associations. As an eingetragene Genossenschaft (eGen), it is owned by member-shareholders who exercise voting rights at the general assembly, and it is part of the Raiffeisen sector with central support from the Raiffeisen group in Vorarlberg; banking operations are subject to Austrian supervision (FMA and OeNB) and eligible deposits are protected by the Austrian deposit guarantee scheme up to EUR 100,000 per depositor (Einlagensicherung Austria). The bank provides standard retail and SME services including current and savings accounts, domestic and SEPA payments, cash services and ATMs, debit and credit card options, consumer and housing finance, business loans and overdrafts, and merchant services; investment funds, securities custody, building-society products, and insurance are typically distributed via affiliated Raiffeisen group entities. Digital access is offered through Raiffeisen’s online and mobile platforms (e.g., Mein ELBA) with strong-customer-authentication under PSD2; primary service language is German. Pricing, interest rates, and product eligibility are set locally and published in the bank’s tariff documents; account opening requires identification in line with Austrian AML/KYC rules and may require in-person verification, with availability for non-residents at the bank’s discretion. Cross-border transfers are available via SEPA and international channels, though specialized corporate or capital market services may be routed to regional or group institutions.