Raiffeisenbank Rosental, registrierte Genossenschaft mit beschränkter Haftung products, services and reviews

About Raiffeisenbank Rosental, registrierte Genossenschaft mit beschränkter Haftung

Raiffeisenbank Rosental, registrierte Genossenschaft mit beschränkter Haftung, is a locally owned Austrian cooperative bank operating within the Raiffeisen sector. It offers standard retail and small-business banking services including payment accounts, savings and term deposits, payment processing, and lending such as consumer, mortgage, and business loans; investment and insurance products may be distributed via group partners. Services are provided in euro with SEPA payments supported; international transfers are available via SWIFT where applicable. Access is through branches in its regional market and through the Raiffeisen online and mobile banking channels, which apply PSD2 strong customer authentication for electronic access and payments. As a cooperative with limited liability, the institution is owned by member-shareholders with voting rights; cooperative member shares are risk-bearing instruments and are not covered by deposit insurance. The bank is licensed and supervised in Austria, subject to oversight by the Financial Market Authority (FMA) and the Oesterreichische Nationalbank. Eligible deposits are protected by the Austrian statutory deposit guarantee scheme (Einlagensicherung Austria Ges.m.b.H.) up to EUR 100,000 per depositor per bank under the legal conditions; certain temporary higher balances can be protected for limited periods in defined cases. Fees and interest conditions follow the bank’s published price lists and general terms, and account packages, cards, cash withdrawals, and transfers can incur charges. Credit decisions follow Austrian consumer and mortgage credit regulations, with affordability checks and collateral requirements where relevant. Customer onboarding typically requires identification and proof of address, and non-residents may face additional documentation requirements. Information on tariffs, terms, and complaint procedures is provided by the bank, primarily in German.