Raiffeisenbank Eberschwang-Pramet eGen

Raiffeisenbank Eberschwang-Pramet eGen is a local cooperative bank (eingetragene Genossenschaft) serving the Eberschwang and Pramet area in Upper Austria and forms part of the Raiffeisen Banking Group Austria. As a member-owned institution, it operates under cooperative principles with governance through a management board and supervisory board; customers can typically become cooperative members by subscribing cooperative shares, which confer voting rights but no guaranteed return. The bank provides standard retail and small-business services, including current and savings accounts, domestic and SEPA payments using Austrian IBANs, debit cards, credit cards offered via a partner, cash services, and online and mobile banking via the group’s Mein ELBA platform. Lending covers overdrafts, consumer loans, housing finance, and financing for SMEs and agriculture, subject to credit assessment. Digital access is PSD2-compliant with strong customer authentication (e.g., app-based or TAN methods), and payment card security follows industry standards. Fees are set out in a published tariff schedule and may include account package charges, card fees, and pricing for transfers and international payments; terms and eligibility vary by product and customer segment. The institution is supervised under Austrian law by the Financial Market Authority in coordination with the Oesterreichische Nationalbank, and eligible deposits are protected up to EUR 100,000 per depositor under the statutory Einlagensicherung Austria scheme in line with EU directives. Account opening requires identification under AML/KYC rules, typically in-branch, with online options available for selected services. The bank also distributes investment and insurance products from group and partner entities, with separate risks, costs, and contractual terms disclosed in product documentation.