Raiffeisenbank Perg eGen

Raiffeisenbank Perg eGen is a regional cooperative bank (eingetragene Genossenschaft) based in Upper Austria, operating within the Raiffeisen Banking Group and covered by its institutional protection scheme in addition to Austria’s statutory deposit insurance (Einlagensicherung up to EUR 100,000 per depositor, per bank). It offers standard retail and SME services including current accounts with package-based fees, savings and term deposits, payment cards (Debit Mastercard replacing Maestro), SEPA transfers, and cash services via local branches and ATMs; lending spans consumer loans, overdrafts, and mortgage/housing finance subject to credit assessment and collateral. Investment services typically include brokerage and access to funds from group providers, with suitability and cost disclosures under MiFID II; building society contracts and insurance are commonly distributed through Raiffeisen group partners. Digital banking is provided via the Raiffeisen online and mobile platform (Mein ELBA), with strong customer authentication and app- or TAN-based approvals; card payments use 3-D Secure for online transactions and support contactless and compatible mobile wallets where available. Business clients can expect account packages, acquiring, liquidity management, and e-banking modules aligned with Austrian SEPA standards. Fees, interest rates, and eligibility criteria vary by product and are subject to change; pre-contractual information and standardized European information sheets are required under Austrian law (BWG, PSD2). The bank operates primarily in the Perg district, so in-person services are geographically concentrated, while cross-border euro payments follow SEPA rules. Customer onboarding requires standard identification and AML checks; complaints handling follows regulatory guidelines supervised by the Austrian Financial Market Authority and the OeNB.