Raiffeisenbank Wernberg, registrierte Genossenschaft mit beschränkter Haftung

Raiffeisenbank Wernberg, registrierte Genossenschaft mit beschränkter Haftung, is a locally focused Austrian cooperative bank based in Wernberg (Carinthia) and affiliated with the Raiffeisen Banking Group. As a registered cooperative with limited liability under Austrian law, it is owned by members who typically subscribe cooperative shares and exercise voting rights on a one-member-one-vote basis, with management and supervisory functions structured in line with the Genossenschaft framework. The bank’s core activities cover retail and small-business banking, including current and savings accounts, term deposits, domestic and SEPA payments with Austrian IBANs, debit and credit cards, cash services, and financing such as mortgages, consumer loans, and SME lending; it also provides access to investment and securities services and insurance products through Raiffeisen sector platforms and partners, subject to regulatory requirements. Digital channels include online and mobile banking with strong customer authentication under PSD2, and customer due diligence for account opening follows Austrian KYC/AML rules; availability of remote onboarding and specific product features can vary and are determined by internal policies. Pricing is typically structured via account packages and published fee schedules, and interest rates and conditions are set by the institution and may change; customers should consult the official price list and contractual terms before engagement. Deposits are protected up to EUR 100,000 per depositor per bank under the Austrian deposit guarantee scheme (Einlagensicherung Austria GmbH), with statutory rules for certain temporary high balances, and the institution participates in the Raiffeisen sector’s institutional protection scheme (Haftungsverbund). Raiffeisenbank Wernberg operates under the supervision of the Austrian Financial Market Authority and the Oesterreichische Nationalbank and focuses on serving private clients, professionals, and enterprises in its regional catchment area within Carinthia.