Raiffeisenbank St.Florian am Inn eGen products, services and reviews

About Raiffeisenbank St.Florian am Inn eGen

Raiffeisenbank St. Florian am Inn eGen is a regional cooperative bank (eingetragene Genossenschaft) serving private customers, small businesses, and agricultural clients in Upper Austria, operating within the Raiffeisen Banking Group and the sector’s institutional protection scheme (Haftungsverbund). It offers standard retail and SME services, including current accounts, savings and term deposits, SEPA payments (credit transfers, standing orders, direct debits), debit cards (typically Debit Mastercard) and group-issued credit cards, as well as online and mobile banking via the Raiffeisen e-banking platform (Mein ELBA) with two-factor authentication under PSD2. Lending covers overdrafts, consumer loans, housing and mortgage finance, and business facilities for working capital and investment; investment and securities services are provided under MiFID II rules, alongside building-savings (Bausparen) and insurance brokerage through group partners. Cash access is available through Austria’s Bankomat network; fees can apply for foreign currency transactions, withdrawals outside agreed networks, and international card use. As an Austrian credit institution, it is supervised by the Financial Market Authority (FMA) and the Oesterreichische Nationalbank (OeNB); eligible deposits are protected by the statutory Austrian deposit guarantee scheme (Einlagensicherung AUSTRIA GmbH) up to EUR 100,000 per depositor, with higher temporary coverage possible for defined cases under the law. Account opening generally requires valid identification and customer due diligence in line with anti-money laundering requirements; business relationships may require additional documentation, and non-resident onboarding can be more limited. Pricing follows published tariffs and product conditions, which specify monthly account package fees, card charges, transfer and cash services, and loan interest and fees; rates and terms are subject to change. Digital features such as instant payments and mobile wallets are supported where enabled by the bank and card issuer. Customer service is provided via branch and remote channels during local business hours; complaints are handled under the bank’s internal process, with escalation options available to the Joint Conciliation Board of the Austrian banking industry and relevant supervisory bodies. The primary service language is German, and documentation is typically provided in German.