Raiffeisenbank Regio Arbon

What Raiffeisenbank Regio Arbon does

Raiffeisenbank Regio Frick-Mettauertal is a Swiss regional cooperative bank (Genossenschaft) founded in 1902 and headquartered in Frick, canton Aargau. It serves retail customers, SMEs, and young/family segments in the upper Fricktal region through five physical branches located in Frick, Gipf-Oberfrick, Eiken, Gansingen, and Herznach. The bank is a member of the nationwide Raiffeisen Switzerland cooperative network and operates under the umbrella of the group's shared infrastructure, products, and regulatory framework.

The product portfolio is comprehensive for a regional retail/SME bank: checking and savings accounts, debit and credit cards (including a cashback program), mortgages including a sustainable Eco-Hypothek, business banking (payments, financing, succession advisory), wealth management mandates from CHF 50,000, and retirement products (Pillar 3a Vorsorgekonto and Freizügigkeitskonto). Digital channels include the Raiffeisen Rio app for automated wealth management from CHF 500 at 0.65% p.a., online appointment booking, e-banking, and member lifecycle portals (MemberPlus, YoungMemberPlus, Sumsi Club). The underlying technology is the shared Raiffeisen Group platform stack; no proprietary technology or AI capabilities are disclosed.

The business model is a traditional cooperative retail banking model: revenue derives from net interest income on lending (especially mortgages), transaction and account fees, asset-management fees on wealth mandates, and commissions on insurance and investment distribution. Go-to-market is a 360° personal advisory model anchored in physical branches, supplemented by digital channels. The bank was recognized as a BILANZ quality leader in 2025 and 2026, supporting customer acquisition and retention in a competitive Swiss retail-banking market.

Name

Raiffeisenbank Regio Arbon

Legal name

Raiffeisenbank Regio Frick-Mettauertal Genossenschaft

Website

https://lokalbank.ch

Company type

Private

Founded year

1902

Operating status

Operating

Headcount range

51–100 employees

Short description

Swiss regional cooperative bank serving retail and SME customers in the upper Fricktal region of canton Aargau through five branch locations. Offers accounts, mortgages, wealth management, payments, and digital banking as part of the nationwide Raiffeisen Group network.

Ownership category

akta.pro rank

Product category

Retail Banking

NAICS

Commercial Banking (522110), Credit Unions (52213)

SIC

State Commercial Banks (6022)

akta.pro primary industry

Cooperative Banks (Member-Owned Commercial/Retail) (FSABAEAF)

akta.pro secondary industry

Agricultural & Rural Cooperatives (Farm Credit/Co-op Banks) (FSABAEAG)

Keywords

• Retail banking services
• Cooperative banking
• Wealth management
• Mortgage lending
• Payment services

Headquarters

HQ city

Frick

HQ country

Switzerland

HQ region

Europe

Offices5 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Retail Banking Services: Traditional banking revenue from checking/savings accounts (Kontokorrentkonto, Sparkonto), mortgage lending, and personal lending to retail customers in the Frick-Mettauertal region.
2. Corporate Banking Services: Business banking services including company accounts (Firmen Sparkonto 31/90/180/360), investment financing, working capital facilities, bank guarantees, and payment processing for SME customers.
3. Wealth Management & Investment Services: Asset management mandates (Vermögensverwaltungsmandat) from CHF 50,000, investment consulting, securities custody (Wertschriftendepot), fund savings plans (Fonds-Sparplan), and digital wealth management via Raiffeisen Rio (0.65% p.a. fee).
4. Mortgage & Real Estate Financing: Mortgage lending including Eco-Hypothek (eco-friendly mortgages), building savings accounts (Bausparkonto) with preferential interest rates, and real estate financing for residential property purchases.
5. Payment Services & Transaction Banking: Payment processing, credit/debit cards including new Cashback bonus program, TWINT mobile payments, foreign currency exchange, and business payment systems.

Pricing tiers

Go-to-market motion3 records

Distribution channels5 records

Marketing channels7 records

Core offering

Raiffeisenbank Regio Arbon (doing business as Raiffeisenbank Regio Frick-Mettauertal Genossenschaft) is a Swiss regional cooperative bank that provides retail and business banking accounts, mortgage and construction financing, wealth management mandates, securities custody, fund savings plans, Pillar 3a retirement accounts, payment services including TWINT and credit cards, and insurance solutions. It serves private and corporate customers in the upper Fricktal region of Aargau through five branch locations, personal advisory, and the digital Raiffeisen E-Banking and Raiffeisen Rio platforms.

Product overview

Raiffeisenbank Regio Frick-Mettauertal is a regional Swiss cooperative bank offering a comprehensive financial services platform. The portfolio includes retail and business banking products (Kontokorrentkonto, Firmen Sparkonten), digital banking channels (Raiffeisen E-Banking, Raiffeisen Rio app), investment and wealth management services (Anlagezielfonds, Vermögensverwaltungsmandat, Beratungsmandat, Wertschriftendepot, Fonds-Sparplan, Termingeldanlagen), retirement planning (Vorsorge 3a, Vorsorge-Freizügigkeitskonto), insurance solutions, real estate services (Eco-Hypothek, Raiffeisen Immomakler, Bausparkonto), and payment solutions (TWINT, Kreditkarten with Cashback). Consumer-facing digital services include online appointment booking, mobile banking apps, and the MemberPlus loyalty portal. The bank also serves corporate customers with KMU eServices and specialized financing products including Bankgarantien.

Differentiator

Problem solved

Functional benefit

Brands

• Raiffeisen Rio: Digital wealth management app enabling users to invest starting from 500 CHF, with portfolio management and market monitoring capabilities.
• MemberPlus
• YoungMemberPlus
• Cafe & Bistro Piazza

Products and services

• Kontokorrentkonto (Checking Account) Current account for day-to-day banking transactions and liquidity management, available to private and business customers.
• Firmen Sparkonto 31/90/180/360 Business savings accounts with terms of 31, 90, 180, or 360 days, offering favorable interest rates for corporate liquidity management.
• Termingeldanlagen (Term Deposits) Fixed-term deposit investments with terms from 2 to 10 years, offering guaranteed interest rates; minimum CHF 5,000, maximum CHF 250,000, with no closing fees.
• Vermögensverwaltungsmandat (Discretionary Wealth Management Mandate) Discretionary wealth management mandate for investment volumes of CHF 50,000 or more, featuring active portfolio management and systematic monitoring by investment experts.
• Beratungsmandat (Advisory Mandate) Advisory investment mandate for self-directed investors who want professional guidance, offering access to a broad investment universe with reduced transaction fees and systematic monitoring.
• Wertschriftendepot (Securities Custody Account) Self-directed securities custody account providing access to global stock markets, automatic reinvestment of interest and dividends, and comprehensive transaction reporting.
• Anlagezielfonds (Target-Date Investment Funds) Target-date investment funds offering professional portfolio management and global diversification across traditional and alternative asset classes, starting from CHF 100.
• Fonds-Sparplan (Fund Savings Plan) Systematic investment plan enabling regular contributions to purchase fund units from CHF 100, leveraging cost-averaging effects for long-term wealth building.
• Bausparkonto (Construction Savings Account) Savings account for future homeowners aged 18–40 featuring preferential interest rates, a maximum 10-year savings period, and a Wohntraumprämie (home dream bonus) of 1% of the mortgage amount up to CHF 10,000 upon financing with the bank.
• Eco-Hypothek (Green Mortgage) Mortgage product with favorable conditions for energy-efficient and sustainable properties, supporting environmentally conscious homeownership.
• Vorsorge 3a (Säule 3a Retirement Savings) Tax-advantaged retirement savings account under Swiss Pillar 3a regulations for retirement planning and tax-efficient wealth accumulation.
• Vorsorge-Freizügigkeitskonto (Pillar 2 Transfer Account) Account for parking pension fund assets when changing employers, maintaining tax-advantaged status of retirement savings under Swiss Pillar 2.
• Privatkredit (Personal Loan) Personal credit facility available for online application, providing financing for various personal needs of private customers.
• Bankgarantien (Bank Guarantees) Bank guarantee products for businesses to support various financial and commercial requirements.
• Kreditkarten mit Cashback (Cashback Credit Cards) Raiffeisen credit cards featuring a cashback bonus program that returns money to customers when using their card, credited monthly to their bank account.
• TWINT (Mobile Payment) Swiss mobile payment solution integrated for contactless payments via smartphone, available to customers through the bank's digital channels.
• Raiffeisen E-Banking (Online & Mobile Banking) Online and mobile banking platform enabling customers to manage accounts, conduct transactions, and access financial services digitally.
• Raiffeisen Rio (Digital Wealth Management App) Digital wealth management smartphone app enabling investment starting from CHF 500, with risk-profile-based portfolio management, thematic investment preferences, and 24/7 mobile access managed by experts.
• KMU eServices (SME Digital Banking) Digital banking services for small and medium enterprises, enabling management of all banking relationships with single-login access.
• QR-Rechnungs-Generator (QR Invoice Generator) Tool for generating Swiss QR-code invoices for streamlined payment processing by businesses.
• Online Terminvereinbarung (Online Appointment Booking) Online appointment scheduling system allowing customers to book consultation appointments with bank advisors via phone, video, or in-person from 8:00 to 20:00.
• Sumsi Club (Children's Savings Program) Children's savings program from birth to age 10 featuring the Sumsi Sparkonto to teach children about saving through age-appropriate engagement.
• YoungMemberPlus (Youth Banking Program) Banking program for young customers offering special benefits including a 30% discount on summer season passes at local attractions such as Badi Frick.
• MemberPlus Portal (Customer Loyalty Portal) Member portal offering exclusive benefits and experiences, including Switzerland travel offers at preferential conditions for MemberPlus cooperative members.
• Raiffeisen Immomakler (Real Estate Brokerage) Real estate brokerage service for buying and selling properties, part of the bank's broader mortgage and housing offering.
• Devisenhandel (Foreign Exchange Trading) Foreign exchange trading services for hedging currency risks and accessing international markets, available to private and business customers.

Named customers2 records

Segments5 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

One partnership is on record.

• Raiffeisen Gruppe SchweizcoreOthersThe bank is part of the Swiss Raiffeisen Group, a nationwide cooperative banking network. The group provides shared banking infrastructure, E-Banking platforms, investment products, and brand association. Clearing number 80808, BIC RAIFCH22XXX.

Scale indicators2 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Hypothekarbank Lenzburg: Independent regional Swiss bank also headquartered in Canton Aargau, offering retail, mortgage, and wealth management services. Comparable size and regional cooperative-style client base; both compete for SME and affluent retail customers in Aargau.
• Clientis Banken: Swiss cooperative banking group comprising regional member banks with a similar Genossenschaft-style ownership and member-benefit model. Closest structural peer — both serve regional Swiss markets via local cooperative banks offering full-service banking.
• Valiant Bank: Swiss regional bank with cooperative roots and a comparable mid-sized retail/SME footprint across central and western Switzerland. Comparable product mix (accounts, mortgages, wealth) and similar customer segments including SME succession.
• Aargauische Kantonalbank (AKB): Canton of Aargau's state-owned cantonal bank, the most direct competitor in the same geographic catchment. Both institutions compete head-to-head for retail deposits, mortgages, and SME banking in Canton Aargau, including the Frick-Mettauertal region.

Emerging players

• Neon (Hypothekarbank Lenzburg / PostFinance affiliate): Swiss neobank targeting younger retail customers with low-fee accounts and digital UX. Not a direct product overlap, but a meaningful emerging competitor for the same younger demographic the bank targets via YoungMemberPlus.

Broad incumbents

• Migros Bank: Large Swiss retail bank with cooperative ownership heritage tied to the Migros cooperative. Comparable retail/customer-owner model and full-service product set, though materially larger and nationally distributed.
• Bank Cler (formerly Bank Coop): Swiss cooperative-affiliated retail bank owned by Basler Kantonalbank; comparable cooperative ethos and member-benefits model, with a broader national footprint versus the regional Frick-Mettauertal focus.
• Basler Kantonalbank (BKB): Cantonal bank for Basel-Stadt with broader product platform and larger scale; competes for cross-border wealth and SME banking in northwestern Switzerland overlapping with the upper Fricktal service area.
• Raiffeisen Schweiz (Raiffeisenbanken Schweiz): The parent group and nationwide cooperative banking network of which this bank is a member. Provides shared platforms (E-Banking, Rio, MemberPlus) and brand; comparable at group level though materially larger.

Regional players

• Glarner Kantonalbank: Canton Glarus cantonal bank serving a similarly small rural Swiss region with full retail, mortgage, and wealth services. Closely comparable scale and rural customer base, though operating in a different canton.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks5 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/RaiffeisenRFM
• LinkedInlinkedin.com/company/raiffeisenbank-regio-frick-mettauertal

Revenue estimate

Valuation estimate

Number of profiles

Profiles7 records

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 Raiffeisenbank Regio Arbon