Raiffeisenbank Stockerau eGen

Raiffeisenbank Stockerau eGen is a registered cooperative bank based in Stockerau, Lower Austria, operating as an independent institution within the Raiffeisen banking sector of Niederösterreich-Wien and subject to Austrian banking regulation by the Financial Market Authority (FMA) and the Oesterreichische Nationalbank. The bank focuses on retail and small to mid-sized business customers, offering current and savings accounts, term deposits, payment services under SEPA (credit transfers and direct debits), debit and credit card solutions, and cash services, alongside lending products such as overdrafts, consumer loans, mortgage financing, and SME working capital and investment loans. Securities brokerage and custody, fund investments via Raiffeisen Capital Management, building society savings and loans through Raiffeisen Bausparkasse, leasing via Raiffeisen-Leasing, and insurance intermediation with Raiffeisen Versicherung are available through group platforms and partner companies. Digital access is provided via Raiffeisen’s online and mobile banking (Mein ELBA and the Raiffeisen banking app) with two-factor authentication in line with PSD2, supporting standard payment functionality, e-statements, and card controls; corporate users can utilize ELBA-business for multi-user payment workflows and account reporting. Deposits are protected by the statutory Austrian deposit guarantee scheme (Einlagensicherung AUSTRIA GmbH) up to EUR 100,000 per depositor per bank; investment and insurance products are not covered by this scheme and carry market and issuer risk. Account opening and lending are subject to identification, credit checks, and local KYC/AML requirements; identification is typically conducted in branch or via remote procedures where offered. Pricing for accounts, cards, payments, and credit products follows published tariffs and conditions set by the bank, which may differ by package and service level; interest rates and fees are variable and updated in official schedules. The institution operates a local branch network in Stockerau and the surrounding area with standard advisory services and phone/email channels; business hours, cut-off times for payments, and service availability depend on the specific branch and digital channel terms.