Raiffeisenbank Region Schärding eGen products, services and reviews

About Raiffeisenbank Region Schärding eGen

Raiffeisenbank Region Schärding eGen is a regional cooperative bank in the district of Schärding, Upper Austria, affiliated with the Raiffeisen Bankengruppe Oberösterreich, with Raiffeisenlandesbank Oberösterreich AG as central institution. It provides retail and SME banking with current and savings accounts, term deposits, SEPA payments (transfers, direct debits, standing orders), debit cards and credit cards (typically issued via the Raiffeisen/card complete network), and access to cash through the Austrian Bankomat network and branch ATMs. Lending covers overdrafts, consumer and auto loans, housing and mortgage finance, and for businesses working capital and investment loans, guarantees, and cash management; leasing and factoring are generally arranged through group companies. Securities services are available via Raiffeisen group brokerage and custody platforms, including mutual funds from Raiffeisen Capital Management and certificates/structured products distributed within the group; the bank also acts as an insurance intermediary for standard retail and commercial lines. Digital banking is provided through the group’s Austrian online and mobile platforms with PSD2-compliant strong customer authentication, and contactless and mobile wallet payments (e.g., Apple Pay and Google Pay) are supported on eligible cards. Account opening follows Austrian identification and compliance requirements; non-resident onboarding may be limited. Fees, interest rates, and eligibility criteria vary by product and segment and are published in the schedule of conditions. As an eingetragene Genossenschaft (eGen), customers can subscribe cooperative shares and participate in the general assembly. The bank is supervised by the Austrian Financial Market Authority and the Oesterreichische Nationalbank, and deposits are covered up to EUR 100,000 per depositor under the statutory deposit guarantee scheme (Einlagensicherung AUSTRIA GmbH). For specialized investment or international services, coordination typically occurs with Raiffeisen group entities.