Raiffeisenbank Oberes Innviertel eGen products, services and reviews

About Raiffeisenbank Oberes Innviertel eGen

Raiffeisenbank Oberes Innviertel eGen is a regional cooperative bank in the Innviertel area of Upper Austria and a member of the Raiffeisen Banking Group. As an eingetragene Genossenschaft (eGen), it serves private households, small and midsize businesses, and agricultural clients with current accounts (SEPA payments and AT IBANs), debit and credit cards (the latter typically via external issuers), savings and term deposits, consumer loans, mortgages, SME and agricultural financing, and cash services through local branches and the Bankomat/ATM network. Securities and investment solutions are offered via group platforms and partners, including custody accounts and access to investment funds, while insurance products are distributed in an intermediary capacity. Digital banking is provided through the Raiffeisen Mein ELBA online and mobile channels with strong customer authentication, transfers (instant where enabled), e-statements, and card controls, alongside support for contactless and compatible mobile wallet payments where available. Within the Austrian Raiffeisen structure, the bank is linked to the regional central institution Raiffeisenlandesbank Oberösterreich and participates in the group’s institutional protection system; eligible deposits are covered by the statutory Austrian deposit guarantee up to EUR 100,000 per depositor. Pricing, interest rates, and lending conditions are set locally within group policies and depend on the product and customer profile; tariffs and contractual terms are published and subject to change. Account opening and advisory are handled via branches, with many routine services available remotely; business clients can obtain cash management, point-of-sale and e-commerce acquiring via partners, and solutions for domestic and SEPA cross-border payments. The institution is licensed in Austria and subject to oversight by the Financial Market Authority (FMA) and the Oesterreichische Nationalbank (OeNB); availability of specific products and digital features can vary by location, and credit decisions follow documented income, collateral, and affordability assessments.