Raiffeisenbank Region Waldviertel Mitte eGen products, services and reviews

About Raiffeisenbank Region Waldviertel Mitte eGen

Raiffeisenbank Region Waldviertel Mitte eGen is a cooperative bank in Lower Austria serving retail customers, small and medium-sized enterprises, and agricultural clients in the central Waldviertel area. It operates as an independent local institution within the Raiffeisen Banking Group Austria and is linked to the regional central institution Raiffeisenlandesbank Niederösterreich‑Wien and the sector’s institutional protection framework. The product range typically includes current and savings accounts, SEPA payment services, debit and credit cards, consumer and mortgage lending, SME and agricultural financing, and brokerage of investment and insurance products via group partners. Digital banking is available through the Raiffeisen online and mobile platforms (Mein ELBA) with strong customer authentication under PSD2, complemented by a local branch and ATM network in its market area; pricing is based on published account and service packages. Deposits are protected by the Austrian statutory deposit guarantee up to EUR 100,000 per eligible depositor per bank, and the institution is subject to prudential and conduct supervision by the Austrian Financial Market Authority in cooperation with OeNB within the EU’s Single Supervisory Mechanism. As a registered cooperative (eGen), customers can become members by subscribing cooperative shares, which provide voting rights at the general assembly and a claim to any approved dividends; liability is generally limited to the contributed shares. Availability of products, eligibility criteria, documentation, and interest and fee conditions depend on the specific offering and channel and are set out in the bank’s current disclosures.