Sparkasse Rattenberg Bank AG products, services and reviews

About Sparkasse Rattenberg Bank AG

Sparkasse Rattenberg Bank AG is a regional Austrian savings bank headquartered in Rattenberg, Tyrol, operating within the Erste Bank und Sparkassen group. It holds a banking license under the Austrian Banking Act and is supervised by the Financial Market Authority (FMA) and the Oesterreichische Nationalbank. The bank focuses on retail and small-business clients in its catchment area, offering current and savings accounts with AT IBANs, domestic and cross-border SEPA payments (including standing orders and direct debits), cards (primarily Debit Mastercard, with credit cards issued via group partners), consumer and housing loans, and corporate services such as business accounts, overdrafts, working-capital finance, and point-of-sale acquiring through partner providers. Digital banking is delivered via the group’s George platform and mobile app with PSD2-compliant strong customer authentication; online account opening is available for eligible residents, while in-branch onboarding remains standard for others. Investment services typically include custody accounts, order placement for securities, and distribution of investment funds via group entities; building-society savings and home-finance products are available through affiliated providers. Pricing follows package-based account models with monthly maintenance fees and separate charges that may apply to cards, cash withdrawals outside the Erste/Sparkassen ATM network, foreign-currency transactions, and international transfers outside SEPA; exact tariffs depend on the chosen product. The bank participates in the Austrian statutory deposit guarantee scheme (Einlagensicherung AUSTRIA GmbH), which protects eligible deposits up to EUR 100,000 per depositor, with temporary higher limits for certain qualifying life events as provided by law. Service is primarily in German, and English-language support may be limited. Customers can access cash and services across the Erste Bank und Sparkassen network in Austria and use mobile wallets supported by the group. Complaints can be filed with the bank and, if unresolved, escalated to the sector’s joint conciliation body for banks in Austria or to the FMA for supervisory matters.