Raiffeisenbank Wagram-Schmidatal eGen

Raiffeisenbank Wagram-Schmidatal eGen is a regional cooperative bank within the Raiffeisen Banking Group Austria, operating in the Wagram–Schmidatal area of Lower Austria. It provides retail and small-business banking, including current and savings accounts, payment services (SEPA transfers, direct debits, standing orders), debit and credit cards, and lending such as overdrafts, consumer loans, mortgages, and business financing. Services are delivered through branches and digital channels, with online and mobile banking using strong customer authentication under PSD2, and cash access via Austria’s Bankomat ATM network. The bank participates in the Raiffeisen institutional protection scheme (Haftungsverbund), and eligible deposits are covered by the Austrian statutory deposit guarantee (Einlagensicherung AUSTRIA GmbH) up to EUR 100,000 per depositor, with potential higher limits for certain temporary balances as defined by law. It is subject to Austrian banking regulation and supervision by the Financial Market Authority and the Oesterreichische Nationalbank. Pricing follows published fee schedules, and interest rates and charges depend on the chosen account package and product terms; lending is subject to credit assessment and, where applicable, collateral. As a cooperative (eGen), customers can become members by acquiring cooperative shares, with governance exercised through the general assembly and supervisory bodies. The bank may also distribute insurance and investment products through Raiffeisen group partners; such products involve market and issuer risk and are not deposits.