Raiffeisenbank St. Paul im Lavanttal eGen products, services and reviews

About Raiffeisenbank St. Paul im Lavanttal eGen

Raiffeisenbank St. Paul im Lavanttal eGen is a local cooperative bank (eingetragene Genossenschaft) based in St. Paul im Lavanttal, Carinthia, operating within the Raiffeisen Banking Group and affiliated with the regional Raiffeisenlandesbank Kärnten as part of the Raiffeisen Haftungsverbund (institutional protection scheme). The bank focuses on households, agriculture, and small to mid-sized businesses in the Lavanttal area, providing current accounts, savings products and term deposits, consumer loans, mortgages, agricultural and SME financing, and payment services. Investment and securities services are offered via Raiffeisen group platforms, building-society products through Raiffeisen Bausparkasse, and insurance intermediation through group partners. Payment cards are issued in line with Austrian standards (e.g., Debit Mastercard), with support for SEPA credit transfers and direct debits; online and mobile banking is provided through the group’s Mein ELBA platform with PSD2-compliant strong customer authentication. Apple Pay and Google Pay are available across the group for eligible cards and devices, subject to customer and product eligibility. Pricing is set locally and published in the bank’s fee schedule; account packages, transaction charges, and service fees vary by usage and optional features. Deposits are protected by the Austrian statutory deposit guarantee scheme (Einlagensicherung Austria GmbH) up to EUR 100,000 per eligible depositor, and the bank is supervised by the Austrian Financial Market Authority and the Oesterreichische Nationalbank. Services are primarily in German; eligibility, onboarding, and lending decisions follow Austrian KYC, affordability, and collateral requirements. Branch availability, service hours, contact channels, and current terms are communicated via the bank’s official website and customer notices.