Raiffeisenbank Gunskirchen eGen products, services and reviews

About Raiffeisenbank Gunskirchen eGen

Raiffeisenbank Gunskirchen eGen is a registered cooperative bank (eingetragene Genossenschaft) based in Gunskirchen, Upper Austria, and part of the Raiffeisen Bankengruppe with regional affiliation to Raiffeisenlandesbank Oberösterreich. It provides standard retail and small‑business banking services, including current and savings accounts, term deposits, consumer and housing loans, overdrafts, SEPA payments and standing orders, debit cards, and cash services via Austria’s Bankomat network; investment and insurance products are distributed through group companies where applicable. Digital access is offered through the Raiffeisen online banking platform and the Mein ELBA mobile app, with two‑factor authentication and electronic documents; branch, phone, and email channels are available, with German as the primary service language. Debit cards (Bankomatkarte/Debit Mastercard) support contactless payments; credit cards are issued in cooperation with partner providers; fees and limits depend on the chosen account package and are listed in the bank’s tariff schedules. Eligible deposits are protected up to EUR 100,000 per depositor under the Austrian deposit guarantee scheme (Einlagensicherung AUSTRIA Ges.m.b.H.), within statutory conditions; the Raiffeisen sector in Austria also maintains an institutional protection scheme recognized under EU rules. The bank operates under the Austrian Banking Act and is supervised by the Financial Market Authority (FMA) and the Oesterreichische Nationalbank. Account opening follows Austrian KYC/AML requirements; documentation, residence status, and availability for non‑residents are subject to the bank’s policies. Pricing, interest rates, and contractual terms are published in pre‑contractual information and price lists, and may include charges for account maintenance, payment transactions, cards, and paper statements; foreign payments and currency services are available subject to fees and exchange rates. Cooperative membership shares may be offered and confer governance rights as defined in the bank’s statutes.