Raiffeisenbank Region Schallaburg eGen

Raiffeisenbank Region Schallaburg eGen is a regional cooperative bank in Lower Austria and part of the Raiffeisen Banking Group, focusing on retail, small business, and agricultural clients in the Schallaburg/Melk area. Its offering covers current and savings accounts, SEPA payments, domestic and cross-border transfers, debit cards (Debit Mastercard), credit cards issued in cooperation with card complete, and online and mobile banking via Raiffeisen’s ELBA platforms. Financing includes overdrafts, consumer loans, and real estate lending, with building-society products distributed through Raiffeisen Bausparkasse. The bank provides securities services such as custody accounts, brokerage, and access to Raiffeisen-branded funds, and acts as an insurance intermediary, commonly with UNIQA products. Business customers have access to cash management, POS/merchant services, and advisory for financing and investments. Access is through local branches, service lines, and digital channels, with standard features like transfers, standing orders, e-documents, secure messaging, and card controls; securities orders can be placed via the bank or designated platforms. Pricing is set out in published fee schedules and pre-contractual information, with account maintenance, card fees, and transaction charges applied according to the chosen package; lending terms are risk-based and documented in binding offers. Deposits are covered up to EUR 100,000 per depositor under Austria’s statutory deposit guarantee (Einlagensicherung AUSTRIA GmbH) pursuant to the Deposit Guarantee Schemes Act, and the institution is licensed and supervised by the Austrian Financial Market Authority (FMA) and the Oesterreichische Nationalbank. Account opening requires identification and compliance with AML and tax rules; onboarding policies and available products are determined by the bank. Governance follows the cooperative model, with member-owners electing supervisory bodies and management responsible for operations within the Raiffeisen sector’s frameworks.