Raiffeisenverband

What Raiffeisenverband does

Raiffeisenverband Salzburg eGen is a regional cooperative bank headquartered at Schwarzstraße 13-15 in Salzburg, Austria, founded in 1890 and operating as part of the Raiffeisen Banking Group Austria — one of Austria's three major banking groups. The entity functions as the umbrella organization for the regional Raiffeisen banks (Raiffeisenbanken Salzburg) and serves retail customers, SMEs, corporations, municipalities, farmers, medical professionals, free professions, associations, and wealthy private clients across the Salzburg region. Distribution combines a physical branch network (Bankstellen) with the Mein ELBA online banking platform, the Mein ELBA mobile app (iOS, Android, Huawei AppGallery), 24/7 self-service portals, and online account opening.

The product portfolio spans checking accounts (Girokonto, Jugendkonto, Studentenkonto, Basiskonto), debit and credit cards (Debitkarte, Kreditkarte Gold), consumer and mortgage lending (der faireCredit, Wohnfinanzierung, Auto-Leasing, Bausparfinanzierung), savings products (Online Sparen, Goldsparplan, Bausparen, Sumsi Sparkonto), and investment services (WILL digital wealth management, SMART Depot, Fondssparen, Aktien & Anleihen, FondsPension, Zertifikate, Gold & Münzen). Corporate banking is delivered through the Raiffeisen INFINITY platform with Electronic Banking, Cash Management, and Corporate Treasury (currency and interest rate management), plus a Fuhrpark fleet management app. Adjacent digital services include the RaiPay digital wallet, Börse360° capital markets app, Raiffeisen JUNIOR app for young customers, Raiffeisen Immobilien real estate services, and Raiffeisen Mobil — a mobile telecommunications tariff subscription product.

Revenue is generated through four streams: (1) net interest income from lending activities (mortgages, consumer loans, SME financing, leasing), (2) banking fees and commissions (account maintenance, transactions, cards, FX, advisory), (3) investment and asset management product distribution (Fondssparen, securities, WILL digital wealth management, insurance), and (4) recurring subscription revenue from the Raiffeisen Mobil telecommunications tariff. Payment integrations with Apple Pay and Google Pay, plus the RaiPay wallet, round out the digital money-movement surface. The legal form is eingetragene Genossenschaft (registered cooperative), making the entity privately held with no external equity funding rounds and no public listing.

Name

Raiffeisenverband

Legal name

Raiffeisenverband Salzburg eGen

Website

https://rvs.at

Company type

Private

Founded year

1890

Operating status

Operating

Headcount range

1,001–5,000 employees

Short description

Raiffeisenverband Salzburg eGen is a regional cooperative bank in Salzburg, Austria, serving retail and business customers across the Salzburg region with full-service banking including accounts, lending, investments, insurance, corporate treasury, and digital payment solutions.

Ownership category

akta.pro rank

Headquarters

HQ city

Salzburg

HQ country

Austria

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales, Others

Revenue model

1. Interest Income: Traditional banking revenue from lending activities including mortgages, consumer loans, business financing, and leasing arrangements. Interest margins form core revenue.
2. Banking Fees and Commissions: Account maintenance fees, transaction fees, card fees, foreign exchange fees, and advisory service fees for both retail and business customers.
3. Investment and Asset Management Products: Revenue from sale of investment funds (Fondssparen), securities trading, portfolio management (WILL digital wealth management), and insurance products.
4. Mobile Telecommunications (Raiffeisen Mobil): Mobile tariff subscriptions offering smartphone plans with data packages generating recurring subscription revenue.

Pricing tiers

Go-to-market motion1 record

Distribution channels6 records

Marketing channels9 records

Core offering

Raiffeisenverband Salzburg eGen is a regional cooperative bank operating under the Raiffeisen Banking Group Austria umbrella, providing full-service retail and corporate banking across the Salzburg region. Core offerings include checking and savings accounts, consumer and mortgage lending, leasing, investment and wealth management products, insurance, business banking via the Raiffeisen INFINITY platform, digital banking via Mein ELBA web and mobile, and mobile payment solutions including RaiPay, Google Pay, and Apple Pay.

Product overview

Raiffeisenverband Salzburg operates as a regional cooperative bank offering a comprehensive multi-channel banking platform centered around Mein ELBA (online banking) and the Mein ELBA-App (mobile banking). The product portfolio spans retail banking (checking accounts: Girokonto, Jugendkonto, Studentenkonto, Basiskonto; debit and credit cards), consumer and mortgage lending (der faireCredit, Wohnfinanzierung, Auto-Leasing, Bausparfinanzierung), savings products (Online Sparen, Goldsparplan, Bausparen, Sumsi Sparkonto), and investment services (WILL digital asset management, online brokerage, Aktien & Anleihen, Fondssparen, Zertifikate, Gold & Münzen, SMART Depot). Corporate banking is supported through Raiffeisen INFINITY platform, Electronic Banking, and Corporate Treasury services. Digital services include RaiPay mobile wallet, Börse360° capital market app, and Raiffeisen Mobil telecommunications offerings. The ecosystem integrates with Google Pay, Apple Pay, and third-party app stores for distribution and payment functionality.

Differentiator

Problem solved

Functional benefit

Brands

• Mein ELBA: Online and mobile banking platform of Raiffeisen Salzburg
• Raiffeisen INFINITY
• faireCredit
• Raiffeisen Mobil
• RaiPay
• Börse360°
• Raiffeisen Immobilien
• Sumsi Club
• Raiffeisen Club
• WILL

Products and services

• Mein ELBA
• Mein ELBA-App
• Girokonto
• Jugendkonto
• Studentenkonto
• Basiskonto
• Debitkarte
• Kreditkarte Gold
• der faireCredit
• Wohnfinanzierung
• Auto-Leasing
• Bausparfinanzierung
• Online Sparen
• Bausparen
• WILL - Die digitale Vermögensverwaltung
• Fondssparen
• SMART Depot
• Raiffeisen INFINITY
• Electronic Banking
• Cash Management
• Corporate Treasury
• Raiffeisen Mobil
• RaiPay
• Börse360°-App
• Insurance and Pension Products
• Geschäftskonto

Segments6 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration3 records

Feature5 records

Partnerships

Nine partnerships are on record, tiered minor and core.

• PSA Payment Services Austria GmbHminorGTM or Marketing PartnerPartner in the PHISHEN IMPOSSIBLE initiative to combat phishing and online fraud. The initiative includes Austrian banks, A1, Austrian Post, and Watchlist Internet to provide consumer protection information.
• Google PaycoreTechnology or IntegrationIntegrated mobile payment solution allowing Raiffeisen debit and credit card holders to make contactless payments with Android smartphones.
• Apple PaycoreTechnology or IntegrationIntegrated mobile payment solution enabling Raiffeisen cardholders to use Apple Pay for contactless payments.
• Bundeskriminalamt (Federal Criminal Police Office)minorGTM or Marketing PartnerPartner in PHISHEN IMPOSSIBLE fraud prevention initiative providing cybersecurity awareness and protection information to consumers.
• A1 (Telecom)minorGTM or Marketing PartnerPartner in PHISHEN IMPOSSIBLE fraud prevention initiative combining telecom and banking security expertise.
• Österreichische Post (Austrian Post)minorGTM or Marketing PartnerPartner in PHISHEN IMPOSSIBLE fraud prevention initiative, contributing to consumer protection awareness.
• Watchlist InternetminorGTM or Marketing PartnerPartner in PHISHEN IMPOSSIBLE fraud prevention initiative providing scam alerts and consumer protection information.
• Raiffeisenbanken Salzburg (Regional Banks)coreStrategic or Co-development PartnerRaiffeisenverband Salzburg serves as the umbrella organization for regional Raiffeisen banks in Salzburg. Member banks form the cooperative network offering comprehensive banking services.
• Raiffeisen Banking Group AustriacoreStrategic or Co-development PartnerPart of Austria's third largest banking group, benefiting from shared technology platforms, product development, and brand strength across the Raiffeisen network.

Scale indicators2 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• Erste Group Bank AG: Austria's largest banking group, parent of Sparkassen, offering full retail, commercial, and corporate banking across Austria and CEE. Directly comparable as an Austrian universal bank serving retail and SME customers, but at significantly larger scale.
• Bank Austria (UniCredit): UniCredit's Austrian subsidiary and one of the country's largest banks, offering full retail, corporate, and investment banking. Comparable in product breadth and Austrian retail/business customer base, but at much greater scale.
• BAWAG Group AG: Major Austrian retail and SME-focused bank with strong direct-bank brands (easybank). Comparable customer segments in retail and business banking, but operates nationally with greater scale and a publicly traded equity capital base.
• Raiffeisen Bank International AG: The international corporate and investment banking arm of the Raiffeisen Banking Group Austria. Highly comparable in ownership/affiliation structure and Raiffeisen brand, but focused on cross-border corporate banking in CEE rather than regional retail.

Direct peers

• Oberbank AG: Austrian regional universal bank with similar business mix of retail, SME, corporate, and treasury services across Upper Austria and adjacent regions. Closely comparable in size, regional orientation, and product breadth.
• Sparkasse Salzburg: Regional Sparkasse within the Erste Group serving the Salzburg market. The most direct in-market competitor to Raiffeisenverband Salzburg for retail and SME banking customers in Salzburg.
• Volksbank Wien AG (Volksbanken Verbund): Austria's other major cooperative banking group, structurally near-identical to Raiffeisen as a network of regional cooperative banks serving retail, SME, and corporate customers. The most direct structural peer within the Austrian market.
• Drei Banken Gruppe: Alliance of Austrian regional banks (BKS Bank, Oberbank, Bank für Tirol und Vorarlberg) operating as a cooperative-like network. Comparable as another Austrian regional-bank consortium structure serving retail and business customers.
• BKS Bank AG: Austrian regional bank owned by 3BankenGruppe, focused on retail and SME banking across Carinthia, Styria, and adjacent regions. Comparable in scale, regional concentration, and full-service banking model.
• Hypo Vorarlberg Bank AG: Austrian regional universal bank based in Vorarlberg, offering retail, SME, corporate, and private banking. Comparable as another Austrian Landesbank-style institution serving a defined regional market with a full-service product set.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• Xx.com/raiffeisen_at
• YouTubeyoutube.com/@Raiffeisenverband
• Facebookfacebook.com/raiffeisensalzburg
• LinkedInat.linkedin.com/company/raiffeisenverband-salzburg
• Instagraminstagram.com/raiffeisensalzburg

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Raiffeisenverband