Raiffeisenbank Ybbstal eGen products, services and reviews

About Raiffeisenbank Ybbstal eGen

Raiffeisenbank Ybbstal eGen is a regional cooperative bank serving the Ybbstal area in Lower Austria within the Raiffeisen Banking Group Austria. The institution provides standard retail and small-business services, including current and savings accounts, term deposits, consumer and housing loans, SME financing, payment services, and securities custody and brokerage of investment funds through group providers, alongside insurance intermediation. Access is offered through local branches and self-service zones, with online and mobile banking available via the group’s Mein ELBA platform using strong customer authentication in line with PSD2. Customers can initiate SEPA transfers and standing orders, use a Debit Mastercard for cash withdrawals and card payments, and link compatible mobile wallets for contactless payments; international transfers are processed over SWIFT and may incur fees per the bank’s tariff. Pricing for account packages, cards, and transactions is set out in the published price notice, and interest conditions depend on product terms and individual credit assessment. The bank is supervised under Austrian banking law by the Financial Market Authority and the Oesterreichische Nationalbank and participates in the statutory deposit guarantee scheme that covers eligible deposits up to EUR 100,000 per depositor. As a cooperative, membership is possible by acquiring cooperative shares with governance rights defined in the statutes; product availability and service hours can vary by branch.