Raiffeisenbank Kötschach - Mauthen, registrierte Genossenschaft mit beschränkter Haftung

Raiffeisenbank Kötschach - Mauthen, registrierte Genossenschaft mit beschränkter Haftung, operates as a regional cooperative bank in Carinthia and is part of the Raiffeisen Banking Group in Austria, working within the network that includes Raiffeisenlandesbank Kärnten as the central institution. As a registered cooperative with limited liability, it is owned by member-shareholders, with governance via a management board and a supervisory board elected under Austrian cooperative law. The bank focuses on retail, agricultural, and small business customers, offering current accounts, savings and term deposits, consumer and housing loans, overdrafts, and financing solutions for SMEs. Payment services cover SEPA transfers, standing orders, direct debits, and card payments; customers typically use a debit card (Debit Mastercard), while credit cards are issued within the Raiffeisen network (commonly via card complete). Digital access is provided through Raiffeisen’s online and mobile banking (Mein ELBA), complemented by branch service and self-service zones such as ATMs; availability of cash and coin services depends on local branch facilities and cut-off times. Investment and insurance products are distributed via affiliated Raiffeisen group entities, and securities custody and fund savings plans are available subject to the bank’s published terms. Deposits are protected under Austria’s statutory deposit guarantee (Einlagensicherung AUSTRIA GmbH) up to EUR 100,000 per depositor, and the institution participates in the Raiffeisen institutional protection scheme aimed at group stability. Fees and interest conditions follow the bank’s tariff and price list, with separate charges for international payments and certain cash services; account packages vary by usage profile. Account opening requires standard identification and anti-money-laundering checks, with additional documentation for businesses or cross-border clients; service documentation and communication are primarily in German. The bank is subject to supervision by the Austrian Financial Market Authority and the Oesterreichische Nationalbank, and customer complaints can be addressed internally and, if unresolved, escalated to the banking industry’s alternative dispute resolution body (Bankenschlichtung).