Raiffeisenbank Ohlsdorf eGen products, services and reviews

About Raiffeisenbank Ohlsdorf eGen

Raiffeisenbank Ohlsdorf eGen is a local cooperative bank based in Ohlsdorf, Upper Austria, and part of the Raiffeisen Banking Group in Austria. It focuses on retail and small business banking in its region, offering current and savings accounts, SEPA payment services, payment cards, overdrafts, consumer and housing loans, and basic business services such as accounts, payments, and working-capital finance. Digital access is provided via the group’s Mein ELBA online and mobile banking with strong customer authentication under PSD2; branch cash services and the Raiffeisen ATM network supplement remote channels. Pricing is package-based, with account maintenance, payment, and card fees; interest rates and tariffs are published by the bank and can change, and lending terms depend on credit assessment and collateral. Onboarding and product use require standard Austrian KYC/AML documentation, and consumer lending follows affordability checks and pre-contractual disclosures. As a registered cooperative (eGen), customers may acquire cooperative shares and participate in member decisions; cooperative shares are risk capital and are not covered by deposit insurance. The institution is authorized and supervised as a credit institution in Austria by the Financial Market Authority (FMA) in cooperation with the Oesterreichische Nationalbank within the EU Single Supervisory Mechanism for less significant institutions. Eligible deposits are protected by the statutory Austrian deposit guarantee scheme (Einlagensicherung Austria) up to EUR 100,000 per depositor per bank. The bank’s geographic footprint is limited and its product scope aligns with a regional provider, while more specialized investment or insurance offerings are typically distributed via group entities. Service availability, fees, and conditions vary by product and are set out in the bank’s price lists and terms.