Raiffeisenbank Gurktal eGen products, services and reviews

About Raiffeisenbank Gurktal eGen

Raiffeisenbank Gurktal eGen is a local cooperative bank (eingetragene Genossenschaft) operating in the Gurktal region of Carinthia, Austria, and is part of the Raiffeisen Bankengruppe. It provides retail and small-business services including current accounts, savings and time deposits, debit and credit cards, domestic and SEPA cross-border payments, consumer and housing finance, agricultural and SME lending, cash services, and securities custody and fund distribution via Raiffeisen group entities. Digital access is available through the group’s Mein ELBA online and mobile platforms with standard payment and card-management functions; support for mobile wallets depends on card and device. Pricing follows published tariff schedules, with package fees, transaction charges, and card costs varying by account and usage; ATM withdrawals in Austria use the Bankomat network, while foreign withdrawals and currency conversion are subject to additional issuer charges. Deposits are covered by the Austrian statutory guarantee (Einlagensicherung AUSTRIA GmbH) up to EUR 100,000 per depositor per bank, with temporary higher coverage for specified life events according to law. As a cooperative, customers can become members by subscribing cooperative shares, conferring voting rights on a one-member-one-vote basis and potential surplus distributions subject to annual results and resolutions; governance is local and aligned with the regional Raiffeisen association and central institution in Carinthia. The bank is supervised by the Austrian Financial Market Authority (FMA) and the Oesterreichische Nationalbank, and participates in the Raiffeisen institutional protection scheme. Standard Austrian tax rules apply to interest and investment income, with withholding tax (KESt) deducted at source where applicable. Product availability, lending terms, interest rates, and eligibility depend on individual assessment and current tariffs; account opening requires identity verification under AML/KYC rules and may require local residence depending on the product. Information and customer communication are primarily provided in German via regional branches and online channels.