Raiffeisenbank Paznaun eGen products, services and reviews

About Raiffeisenbank Paznaun eGen

Raiffeisenbank Paznaun eGen is a regional cooperative bank serving the Paznaun valley in Tyrol, Austria, operating within the Raiffeisen Banking Group structure and subject to Austrian financial supervision by the FMA and OeNB. Its core offering covers current accounts, savings and term deposits, domestic and cross-border payments (including SEPA), debit and credit cards issued via Raiffeisen partners, consumer and housing finance, and services for local businesses in sectors common to the region, alongside investment and insurance brokerage through affiliated providers. Access is provided via local branches, ATMs in the Raiffeisen network, and the group’s online and mobile banking channels with strong customer authentication in line with PSD2. Deposits are protected by the Austrian statutory deposit guarantee scheme (Einlagensicherung Austria) up to EUR 100,000 per eligible depositor. Pricing is based on account packages and published fee schedules, with charges for cards, cash withdrawals, and transfers varying by tariff and usage; interest rates on deposits and loans depend on market conditions and individual credit profiles. The bank’s footprint is local, and service is primarily in German; onboarding follows standard Austrian KYC/AML rules, and availability for non-residents may be limited. International transfers outside SEPA are handled via the wider Raiffeisen network using SWIFT, and support for mobile wallets depends on the card product and issuer arrangements. As a member-owned cooperative, customer-members hold voting rights, and conditions or product availability can differ by customer segment; prospective clients should review current tariffs, terms, opening hours, and digital functionality before engaging.