Posojilnica Bank eGen products, services and reviews

About Posojilnica Bank eGen

Posojilnica Bank eGen is a regional cooperative bank based in Austria, operating under the legal form of a registered cooperative and supervised under Austrian and EU banking regulations; it focuses on retail and small business banking in its home market, with a branch footprint in southern Austria and bilingual service in German and Slovene. The institution offers current accounts, payment services, debit and credit cards (typically via partner issuers), savings and term deposits, consumer loans, real estate financing, and basic services for micro and SME clients such as business accounts, working capital facilities, and payment acceptance solutions. Digital channels include online and mobile banking with strong customer authentication in line with PSD2, SEPA transfers, domestic and cross-border payments, and contactless card payments; international transfers are available via IBAN/BIC and incur standard fees. Fees apply for account packages, account maintenance, cards, cash withdrawals at non-network ATMs, and certain payment types, with pricing set out in published schedules; interest rates on deposits and loans are updated periodically and may be fixed or variable. Eligible deposits are protected up to EUR 100,000 per depositor under the Austrian statutory deposit guarantee. Onboarding follows standard KYC/AML procedures and may require in-branch identification for certain customer categories. As a cooperative, the bank is owned by its members and governed under cooperative principles, which typically emphasize regional lending and a localized risk profile; product breadth, investment services, and specialized corporate banking capabilities are correspondingly limited compared with large nationwide institutions.