Raiffeisenbank Windischgarsten eGen products, services and reviews

About Raiffeisenbank Windischgarsten eGen

Raiffeisenbank Windischgarsten eGen is a regional cooperative bank (eingetragene Genossenschaft) based in Windischgarsten, Upper Austria, operating within the Raiffeisen Banking Group and participating in the sector’s institutional protection scheme; it focuses on retail and small-business customers in the surrounding Pyhrn-Priel area and provides current and savings accounts, term deposits, domestic and SEPA payments, debit cards and, where available, credit cards, consumer and housing loans, SME financing, and cash services. Investment and insurance products are distributed via Raiffeisen group partners. Online and mobile banking are delivered through the group platform (Mein ELBA), covering standard features such as transfers, standing orders, e-statements, and card controls, while in-branch services handle cash transactions and advisory; customers can use the nationwide Bankomat ATM network. Pricing follows package-style account models with monthly maintenance, card, and transaction fees; detailed conditions, interest rates, and charges are provided in the official price and service schedule and are subject to change. Account opening generally requires valid identification and local address documentation; onboarding is typically in branch, with online options depending on residency and product availability. The bank operates under Austrian regulation with oversight by the Financial Market Authority and the OeNB as part of the Raiffeisen sector; eligible deposits are covered by the statutory deposit guarantee up to EUR 100,000 per depositor per bank. As a cooperative, customers may be able to acquire member shares and exercise voting rights subject to the statutes; any distributions are determined by cooperative rules. Credit products are granted subject to creditworthiness, collateral, and regulatory requirements, and pricing reflects risk and prevailing market rates. The primary service language is German, and branch access and service hours are specific to the local catchment area, with broader functionality provided via the Raiffeisen group infrastructure.