Raiffeisenbank Mittleres Lavanttal eGen

Raiffeisenbank Mittleres Lavanttal eGen is a regional cooperative bank in the Lavanttal area of Carinthia, Austria, operating within the Raiffeisen Banking Group. It provides retail, small-business, and agricultural banking services, including current accounts, savings and term deposits, consumer and housing loans, payment services, debit and credit cards, and access to investment and insurance products distributed through Raiffeisen sector partners. Banking is delivered via local branches and the Raiffeisen online and mobile platforms used in Austria, supporting SEPA transfers, standing orders, and strong customer authentication under PSD2; international transfers are available via SWIFT and can involve correspondent fees. Pricing is set through published tariffs and account packages that may include monthly account fees, card issuance and usage charges, and transaction-based fees; deposit and lending rates are determined locally and vary with market conditions. As an eingetragene Genossenschaft, ownership rests with members and governance follows cooperative statutes, with regulatory supervision by the Austrian Financial Market Authority and the Oesterreichische Nationalbank; the bank participates in the Raiffeisen sector’s institutional protection scheme and the statutory Austrian deposit guarantee, which protects eligible deposits up to EUR 100,000 per depositor per bank under current law. Cash withdrawals are available at Austrian Bankomat ATMs and other network machines, with potential fees outside Austria depending on the card and tariff. Loans are subject to credit assessment and collateral requirements; securities and fund investments are not covered by the deposit guarantee and involve market, liquidity, and issuer risk; insurance coverage depends on policy terms and exclusions. The bank’s physical service area is concentrated in the middle Lavant Valley, with services primarily in German; remote channels cover routine transactions for customers inside and outside the immediate region. Customers should consult the bank’s current price lists, product information sheets, and regulatory disclosures to verify costs, limits, and eligibility before opening products or initiating transactions.