RaiffeisenBank Going eGen products, services and reviews

About RaiffeisenBank Going eGen

Raiffeisenbank Going eGen is a registered cooperative bank (eingetragene Genossenschaft) based in Going am Wilden Kaiser, Tyrol, and is part of the Raiffeisen Banking Group in Austria. It offers standard retail and small-business banking, including current accounts, savings and term deposits, SEPA payments (transfers, standing orders, direct debits), debit cards usable on the Austrian Bankomat network and internationally, credit cards via group partnerships, cash services, and lending such as consumer loans and mortgages; online and mobile banking are available for routine transactions, while branch service supports onboarding and advisory needs. Pricing is set locally and typically organized in account packages with monthly maintenance fees and surcharges for add-ons (for example paper statements, international transfers, or foreign cash withdrawals); deposit and lending rates follow market conditions and change over time. The bank operates under Austrian regulation, supervised by the Financial Market Authority (FMA) and the Oesterreichische Nationalbank, and eligible deposits are protected up to EUR 100,000 per depositor under the statutory Austrian deposit guarantee scheme (Einlagensicherung AUSTRIA) in line with EU rules. As a cooperative, customers may become members by subscribing cooperative shares, which confer voting rights at the general assembly; member conditions and any distributions are determined locally. The focus is regional, with services and documentation primarily in German; account opening policies are defined by the bank and may require residence, local ties, and in-person identification. Access to cash and basic services is supported by the Raiffeisen and national ATM network; availability of specific digital features or payment wallets can vary by region and product.