Raiffeisenbank Steyr eGen

Raiffeisenbank Steyr eGen is a registered cooperative bank based in Steyr, Upper Austria, operating within the Raiffeisen Banking Group and subject to oversight by the Austrian Financial Market Authority (FMA) and the Oesterreichische Nationalbank. It offers retail, business, and agricultural banking services, including current and savings accounts, domestic and SEPA payments, debit and credit cards, cash services, consumer and housing finance, and SME lending; it also distributes leasing products via group providers, building-society contracts, securities custody and brokerage with access to mutual funds (including those from Raiffeisen Capital Management), and insurance as a tied intermediary through partner insurers such as Raiffeisen Versicherung. Access is provided via local branches in the Steyr area, self-service lobbies and ATMs, telephone and email support, and Raiffeisen’s online and mobile banking (Mein ELBA) with two-factor authentication in line with PSD2; contactless card payments and commonly used digital wallets are supported where available. As an eGen cooperative, ownership rests with member-shareholders who exercise voting rights in the general assembly; governance follows a two-tier structure with a management board and a supervisory board. Deposits are protected by the Austrian deposit guarantee scheme (Einlagensicherung Austria) up to EUR 100,000 per depositor; investment products carry market risk and require appropriate disclosures. Pricing for accounts, cards, payment services, and credit products is set by published tariffs and depends on the selected package and customer profile; applicable fees and interest rates are provided in pre-contractual information. The bank applies AML/KYC and GDPR requirements and uses the Raiffeisen group infrastructure for payments processing and card issuing; product availability, eligibility, and required documentation can vary by customer segment and regulatory status.