Raiffeisenbank Region Ried i.I. eGen products, services and reviews

About Raiffeisenbank Region Ried i.I. eGen

Raiffeisenbank Region Ried i.I. eGen is a regional cooperative bank in Upper Austria that operates as a member of the Austrian Raiffeisen Banking Group, offering retail and business banking to customers in and around Ried im Innkreis. Its core services include current accounts, savings and term deposits, domestic and SEPA payments, debit cards, and credit cards offered via partner issuers, alongside consumer loans, mortgages, and financing solutions for small and medium-sized enterprises and agricultural clients. The bank provides investment products such as securities brokerage and Raiffeisen-branded investment funds, distribution of building society contracts, and insurance brokerage through the Raiffeisen network. Digital banking is available through Raiffeisen’s online and mobile platforms (Mein ELBA) with two-factor authentication in line with PSD2, complemented by branch-based advisory and self-service zones with ATMs. As a cooperative (eGen), customers can become members by subscribing cooperative shares, which carry voting rights and the possibility of dividends, subject to the cooperative’s rules and performance. Deposits are protected under the Austrian statutory deposit guarantee scheme up to EUR 100,000 per depositor and bank. Pricing follows account and service packages with monthly maintenance fees, transaction charges, and card fees that vary by product; lending rates and conditions depend on credit assessment and collateral. Availability of products, eligibility, and documentation requirements are governed by Austrian regulation and the bank’s policies, and customers should review the current schedule of fees, terms, and risk disclosures before concluding any agreement.