Raiffeisenbank Rauris-Bucheben registrierte Genossenschaft mit beschränkter Haftung products, services and reviews

About Raiffeisenbank Rauris-Bucheben registrierte Genossenschaft mit beschränkter Haftung

Raiffeisenbank Rauris-Bucheben registrierte Genossenschaft mit beschränkter Haftung is a local Austrian cooperative bank serving the Rauris/Bucheben area as part of the decentralized Raiffeisen Banking Group. Organized as a registered cooperative with limited liability, it operates on a member-based model in which customers may become cooperative members and exercise voting rights in the general assembly, while day-to-day management is handled by an executive board overseen by a supervisory board. The bank is subject to Austrian banking regulation and supervision, including the Financial Market Authority and the Oesterreichische Nationalbank, and customer euro deposits are protected under the statutory Austrian deposit guarantee scheme (Einlagensicherung Austria) up to the EU-mandated limit of 100,000 EUR per depositor per institution. Its product set is typical for regional Raiffeisen banks, generally including current accounts, savings accounts and term deposits, payment services with SEPA transfers and direct debits, debit cards (commonly Debit Mastercard) and credit cards via partner issuers, as well as consumer loans, mortgages, and financing for small businesses and farmers; investment and insurance products are usually offered through Raiffeisen-branded distribution with third-party providers, subject to suitability and risk disclosure. Access is commonly available via branch counters and ATMs in the catchment area, telephone support, and Raiffeisen’s national digital channels (online and mobile banking), with functionality for payments, transfers, statements, and card controls; availability and features can vary by customer segment and may require specific account packages or contracts. Pricing typically follows package-based account models with monthly fees, separate charges for transactions or paper services, and interest rates that may be fixed or variable (often linked to market benchmarks); the bank publishes schedule-of-charges documents and pre-contractual information that should be reviewed for effective costs, minimum balances, and early repayment conditions. International transfers are supported through SWIFT in addition to SEPA, with standard cut-off times, exchange-rate markups, and correspondent fees that depend on the chosen charge option. As with many regional cooperatives, the bank’s focus is local, which can mean advantages in familiarity with local borrowers and constraints in branch footprint beyond the region; language of service is primarily German. Prospective customers should verify current terms, digital access requirements, identification procedures, and any eligibility to acquire cooperative shares directly with the bank before opening products or entering financing agreements.