Raiffeisenbank Waidhofen a. d. Thaya eGen products, services and reviews

About Raiffeisenbank Waidhofen a. d. Thaya eGen

Raiffeisenbank Waidhofen a. d. Thaya eGen is a locally managed Austrian cooperative bank serving households, small businesses, farmers, and municipalities in Waidhofen an der Thaya and nearby areas. As a registered cooperative (eGen), customers can become members by subscribing cooperative shares and exercising voting rights, while day-to-day management is carried out by a local board under a supervisory board. The bank is part of the decentralized Raiffeisen Banking Group and is affiliated with Raiffeisenlandesbank Niederösterreich-Wien AG for central liquidity, settlement, and shared services, which shapes its product infrastructure. Its offering covers standard retail and SME banking: current and savings accounts, term deposits, consumer and housing finance, agricultural and working-capital loans, payment services, and debit and credit cards; it also provides access to group investment and securities services and distributes insurance and building-savings products through established Raiffeisen partners. Digital banking is available via the group’s online and mobile channels with PSD2-compliant strong customer authentication, while branches remain central for advisory, cash services, and onboarding; identification requirements and the availability of remote account opening depend on product and regulatory checks. Conditions are set locally, typically via account packages and transparent fee schedules, with interest rates and lending margins based on risk, collateral, and customer segment; these can differ from other Raiffeisen entities in Austria. Deposits are protected up to EUR 100,000 per depositor under the Austrian statutory deposit guarantee (Einlagensicherung AUSTRIA GmbH), and the bank operates within the SEPA framework for euro payments; supervision is under the Austrian Financial Market Authority (FMA) in line with national and EU banking rules. The institution focuses on regional banking and credit decisions aligned with local economic conditions, which implies breadth across day-to-day retail and small-business services and limited scope in specialized corporate or capital markets products. Prospective customers should review the current price list, card and mobile wallet compatibility, branch hours, and documentation requirements before opening an account or applying for credit, as terms and availability are subject to change.