Raiffeisenbank Wattens und Umgebung, registrierte Genossenschaft mit beschränkter Haftung products, services and reviews

About Raiffeisenbank Wattens und Umgebung, registrierte Genossenschaft mit beschränkter Haftung

Raiffeisenbank Wattens und Umgebung, registrierte Genossenschaft mit beschränkter Haftung, is a locally focused Austrian cooperative bank headquartered in Wattens, Tyrol, operating as part of the Raiffeisen Banking Group in the region. Organized as a member-owned cooperative (eGen), it provides retail and small-business banking services including current accounts, SEPA payments, debit and credit cards, savings and term deposits, consumer and housing loans, mortgages, and corporate lending and payment services for local enterprises. Securities brokerage, custody, and investment funds are offered through the Raiffeisen network, and insurance products are distributed as an intermediary via partner providers. The bank serves customers through a branch presence in Wattens and surrounding communities, complemented by online and mobile banking (including the Raiffeisen “Mein ELBA” platform) and access to the Raiffeisen ATM network. It is licensed in Austria and subject to supervision by the Financial Market Authority (FMA) and the Oesterreichische Nationalbank (OeNB), and it operates under PSD2 requirements, including strong customer authentication for electronic payments. Eligible deposits are protected up to EUR 100,000 per depositor under the Austrian statutory deposit guarantee in line with EU rules; investor compensation and coverage limitations apply for securities services according to applicable law. Fee schedules, interest conditions, and product eligibility depend on the specific account or service and are published by the bank; lending and investment services are subject to creditworthiness assessments and market risk respectively. Services primarily target individuals, self-employed clients, and small and medium-sized enterprises in its catchment area.