Raiffeisenbank Aspach-Wildenau eGen products, services and reviews

About Raiffeisenbank Aspach-Wildenau eGen

Raiffeisenbank Aspach-Wildenau eGen is a locally focused cooperative bank in Upper Austria that operates within the Raiffeisen Banking Group, with Raiffeisenlandesbank Oberösterreich acting as the central institution. It serves households, farmers, and small businesses in and around Aspach and Wildenau in the Braunau am Inn district, offering core retail services such as current accounts, savings and term deposits, payment services (including SEPA transfers and direct debits), debit and credit cards provided via the Raiffeisen network, consumer loans, mortgages, and overdraft facilities. Through group partners, it provides access to investment funds, securities brokerage, and insurance mediation, which broadens its product shelf beyond basic deposit and lending. Day-to-day banking is supported by branches and self-service zones, while digital access is available via the Raiffeisen online and mobile banking platforms for transfers, account management, e-documents, and card controls. Pricing follows Austrian market practice with account packages and published tariffs; actual fees depend on the chosen product bundle and usage. As a member-owned cooperative, customers may become members by subscribing cooperative shares, with governance exercised through a general assembly, a supervisory board, and a management board in line with Austrian cooperative law. The bank is supervised by the Austrian Financial Market Authority and the Oesterreichische Nationalbank, and customer deposits are protected up to EUR 100,000 per depositor under the Austrian statutory deposit guarantee (ESAEG). Cross-border euro payments within the SEPA area are supported using an Austrian IBAN, and standard regulatory frameworks such as AML/CFT and MiFID II apply where relevant. The institution’s strengths lie in local decision-making and proximity to its core market, while its small geographic footprint and reliance on group infrastructure may limit reach compared with nationwide or international banks.