Raiffeisenbank Kreuzenstein eGen products, services and reviews

About Raiffeisenbank Kreuzenstein eGen

Raiffeisenbank Kreuzenstein eGen is a locally focused Austrian cooperative bank within the Raiffeisen Banking Group, operating under a member-owned structure in which customers may acquire cooperative shares and voting rights. It provides standard retail and small business services including current accounts, savings and term deposits, payment cards, consumer and housing loans, and financing solutions for local enterprises and agriculture, alongside investment and securities custody options offered through group platforms and insurance brokerage via affiliated providers. Digital banking is delivered through Raiffeisen’s online and mobile channels (Mein ELBA), supporting SEPA transfers, standing orders, e-billing, and two‑factor authentication in line with PSD2; contactless payments and online card payments are available, while compatibility with mobile wallets depends on the specific card product. Cash access is through the Austria‑wide Bankomat network and Raiffeisen ATMs; branch advisory and telephone support are typically available during business hours, with services and opening times varying by location. Pricing follows account packages with monthly fees and per‑service charges for cards, transactions, securities custody, and transfers outside included quotas; loan pricing reflects credit profile, collateral, and rate type, and may include fees for arrangement or early repayment according to Austrian rules. As a licensed credit institution supervised by the Austrian Financial Market Authority and the Oesterreichische Nationalbank, deposits are protected by the statutory Austrian deposit guarantee scheme (Einlagensicherung AUSTRIA) up to EUR 100,000 per eligible depositor and subject to legal conditions, with higher temporary coverage possible in specific cases defined by law. Product availability, interest rates, and fees are set locally and updated periodically, so customers should review the current tariff sheets, key information documents, and contract terms before opening accounts or taking out credit.