Raiffeisenbank Kitzbühel - St. Johann eGen products, services and reviews

About Raiffeisenbank Kitzbühel - St. Johann eGen

Raiffeisenbank Kitzbühel - St. Johann eGen is a regional cooperative bank (eingetragene Genossenschaft) within the Raiffeisen Banking Group in Austria, serving retail and business customers in the Kitzbühel district including St. Johann in Tirol. It is owned by its cooperative members, operates with local governance, and is integrated into the Raiffeisen network for clearing, liquidity support, and shared infrastructure. Core services cover current accounts, savings and term deposits, payment services, debit and credit cards, and online and mobile banking via the Mein ELBA platform; lending includes mortgages, construction financing, consumer loans, and overdrafts, while SMEs and self-employed clients have access to accounts, payment acceptance solutions via partners, working capital facilities, investment financing, and agricultural banking. Securities custody and brokerage are available, typically with access to funds and listed instruments offered within the Raiffeisen ecosystem, and insurance products are distributed in cooperation with partner insurers. Access is provided through local branches, ATMs in the nationwide Raiffeisen network, phone support, and secure messaging in online banking; German is the primary service language, with English support varying by location. Account packages generally carry monthly maintenance fees and transaction charges according to a published tariff; terms and eligibility (including required ID, proof of address, and business documentation) follow Austrian KYC/AML rules, and non-resident onboarding may be restricted or require additional verification. Payments are SEPA-enabled with IBAN-format accounts, international transfers are executed via standard correspondent channels, and online banking uses PSD2-compliant strong customer authentication with app-based TAN methods; contactless and supported mobile wallet options can be used for card payments. Deposits are protected up to EUR 100,000 per depositor under the Austrian deposit guarantee scheme (Einlagensicherung AUSTRIA GmbH), with separate limits for investor compensation, and the bank is supervised under the Austrian framework (FMA/OeNB) and participates in Raiffeisen’s institutional protection scheme. Conditions, fees, and product availability can differ from other Raiffeisen banks because each cooperative sets its own tariffs and service scope, and some offerings may be limited to customers in the bank’s catchment area; official branch channels publish current price lists, opening hours, and appointment options.