Raiffeisenlandesbank Niederösterreich-Wien

What Raiffeisenlandesbank Niederösterreich-Wien does

Raiffeisenlandesbank Niederösterreich-Wien AG is the regional central institution of Austria's largest cooperative banking group, Raiffeisen Bankengruppe Österreich, headquartered in Vienna with 10,000+ employees. It serves retail, corporate, and institutional customers across Austria, offering private banking, corporate financing, payment processing, cash management, factoring, leasing, and wealth management through a multi-channel platform that combines an extensive physical branch network with digital channels including Mein ELBA, Mein ELBA-App, RaiPay, Börse360°, and the next-generation Raiffeisen INFINITY business banking portal.

The bank's product surface is built around a core transactional and lending franchise, supplemented by nine disclosed subsidiaries spanning insurance (UNIQA Österreich), asset management (Raiffeisen Kapitalanlage), leasing (Raiffeisen-Leasing), building society (Raiffeisen Bausparkasse), factoring (Raiffeisen Factor Bank), real estate brokerage, travel, pension housing, and Central and Eastern European banking via Raiffeisen Bank International. Underlying technology includes PSD2-compliant XS2A APIs (developer.raiffeisen.at) supporting AISP, PISP, and CBPII services with QWAC eIDAS authentication, real-time credit scoring and fraud-monitoring models, and a broad payments integration footprint spanning Apple Pay, Google Pay, Garmin Pay, SwatchPAY!, LAKS PAY, Bluecode, Click to Pay, Mastercard, and Visa.

The business model is a diversified cooperative bank: net interest income from lending and deposits, fee and commission income from payments, cards, asset management, and wealth services (including the WILL digital robo-advisor), ancillary income from insurance distribution and leasing/factoring subsidiaries, and treasury/institutional funding activity — including a 2026 inaugural EUR 500 million green bond issuance under a Sustainability Bond Framework. Distribution combines cooperative-owned branches, group-wide digital platforms, the Mein ELBA retail app ecosystem, and corporate channels such as INFINITY and ELBA-business; the bank recently joined the European Payments Initiative to deliver Wero instant payments to Austria.

Name

Raiffeisenlandesbank Niederösterreich-Wien

Legal name

Raiffeisenlandesbank Niederösterreich-Wien AG

Website

https://raiffeisen.at

Company type

Private

Founded year

2010

Operating status

Operating

Headcount range

5,001–10,000 employees

Short description

Raiffeisenlandesbank Niederösterreich-Wien is the regional central institution of Austria's largest cooperative banking group, providing retail, corporate, and wealth banking services across Austria via branch, digital, and PSD2 open-banking channels, supported by insurance, asset management, leasing, and CEE banking subsidiaries.

Ownership category

akta.pro rank

Product category

Retail and Commercial Banking

NAICS

Commercial Banking (522110), Savings Institutions and Other Depository Credit Intermediation (52218)

SIC

State Commercial Banks (6022), Savings Institutions, Not Federally Chartered (6036)

akta.pro primary industry

Savings Banks (Public/State-Owned) (FSABAKAK)

akta.pro secondary industry

Structured Trade & Export Credit (ECA-backed, Structured Solutions) (FSABAHAJ)

Keywords

• Retail banking services
• Corporate banking
• Online banking
• Payment processing
• Wealth management

Headquarters

HQ city

Vienna

HQ country

Austria

HQ region

Europe

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Core offering

Raiffeisenlandesbank Niederösterreich-Wien is a regional Austrian cooperative bank providing retail and corporate banking services. Its offerings span current accounts, savings, consumer and business loans, credit/debit cards, payment processing, cash management, leasing, investment products, insurance, and digital wealth management, delivered through the Mein ELBA and Raiffeisen INFINITY digital platforms, mobile apps, and the Austrian Raiffeisen branch network. The bank also issues sustainable finance instruments (e.g., a EUR 500 million green bond) and operates PSD2-compliant open-banking APIs for third-party providers.

Product overview

Raiffeisen offers a comprehensive banking platform combining retail and corporate banking services through multiple integrated channels. The core platform consists of Mein ELBA (online banking) and Mein ELBA-App (mobile banking), complemented by specialized business solutions including Raiffeisen INFINITY (web-based business banking replacing ELBA-business), the Business Banking App, and ELBA-business for payment processing. Card products include Raiffeisen Firmenkreditkarte (Visa business credit cards) and Raiffeisen Business Debitkarte (Mastercard), supported by digital payment integrations including RaiPay (proprietary mobile wallet), Apple Pay, Google Pay, Garmin Pay, SwatchPAY!, LAKS PAY, and Bluecode. Additional services include Börse360°-App (capital markets), Cash Management consulting, Losungsabfuhr (cash collection), working capital and investment credits, WILL digital wealth management, Raiffeisen Mobil (telecommunications), and Green Bond offerings. PSD2 XS2A APIs enable third-party providers to access account information, initiate payments, and confirm funds.

Differentiator

Problem solved

Functional benefit

Brands

• Mein ELBA: Online and Mobile Banking platform for retail and business customers
• Raiffeisen INFINITY
• Raiffeisen Börse360°
• RaiPay
• WILL
• Raiffeisen Mobil
• ELBA-business
• Business Banking App

Products and services

• Mein ELBA Online and Mobile Banking Online and mobile banking platform for retail and business customers; provides account management, transfers, card controls, and pushTAN authentication.
• Mein ELBA-App Mobile banking application enabling banking services on the go with biometric login and push notifications for retail and business customers.
• RaiPay Mobile Wallet Digital wallet for Android smartphones that digitizes Raiffeisen debit and credit cards for contactless NFC payments, with money-sending feature to Austrian recipients.
• Raiffeisen Firmenkreditkarte (Visa Business Classic / Business Gold) Business credit cards (Visa Business Classic and Business Gold) with worldwide acceptance, optional travel insurance package, Priority Pass lounge access, and digital card provisioning via RaiPay.
• Raiffeisen Business Debitkarte (Mastercard) Business debit card combining traditional Maestro functionality with e-commerce capabilities; enables online payments with CVV and pushTAN, accepted at 52+ million Mastercard acceptance points worldwide.
• Raiffeisen INFINITY Business Banking Portal Next-generation web-based online business banking portal for firms with payment traffic, account monitoring, document management, and automated workflows; replacing ELBA-business.
• ELBA-business Business banking software tailored for business payment processing, handling SEPA and international payments; being succeeded by Raiffeisen INFINITY.
• Raiffeisen Börse360° App Capital markets app providing market overview, watchlists, model portfolios, stock/fund/bond/commodity data, Raiffeisen Research analyses, and trading signals with regional focus.
• Business Banking App Mobile application for managing Austrian business accounts via smartphone or tablet; combines easy handling with maximum security for corporate accounts.
• Raiffeisen Cash Management Consulting Cash management consulting and solutions including payment optimization, interest result improvement, national and international payment traffic optimization, financial planning, and liquidity management.
• Losungsabfuhr Cash Collection Service Daily takings collection service; enables businesses to deposit cash at any Raiffeisen branch in Austria with fast booking to their account. Includes 500+ cash deposit machines, overnight safe deposits, and value logistics pickup.
• Betriebsmittelkredit (Working Capital Credit) Working capital credit for businesses providing liquidity for bridging short-term receivables, exploiting supplier discounts, financing operating resources, and managing cash flow fluctuations.
• Investitionskredit (Investment Credit) Investment credit for medium to long-term financing of business equipment, fleet vehicles, property acquisitions, and renovation projects.
• WILL – Die digitale Vermögensverwaltung (Digital Wealth Management) Digital wealth management service providing automated investment portfolio management based on customer risk profile and financial goals.
• Raiffeisen Mobil Mobile Tariffs Mobile phone tariff offerings (S, M, L plans) offered in partnership; includes smartphone tariffs from EUR 9.90 for 70GB with no activation fees.
• Green Bond (EUR 500 million inaugural issuance) Sustainable finance instrument; EUR-denominated green bond with proceeds earmarked for eligible green assets under the bank's Sustainability Bond Framework.
• Wero Instant Payment Service (European Payments Initiative) Pan-European instant payment solution enabling cross-border payments across Belgium, France, Germany, Luxembourg, and the Netherlands, with 55+ million customers.
• PSD2 XS2A Open Banking APIs PSD2 XS2A APIs enabling Account Information Service Providers (AISPs), Payment Initiation Service Providers (PISPs), and Card Based Payment Instrument Issuers (CBPIIs) to access accounts, initiate SEPA and Instant Payments, and confirm funds availability. Includes a sandbox environment for testing.

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration16 records

AI capability7 records

Partnerships

One partnership is on record.

• European Payments Initiative (EPI)coreStrategic or Co-development Partner · 23 June 2026Raiffeisen, along with Erste Bank Oesterreich, has become a shareholder in the European Payments Initiative (EPI) to bring the Wero instant payment solution to Austria. EPI currently operates in Belgium, France, and Germany, reaching over 55 million customers across Europe. The expansion includes Luxembourg and the Netherlands.

Scale indicators1 record

Recent moves6 records

Expansion highlights6 records

Direct peers

• Oberbank AG: Independent Austrian regional bank providing corporate, retail, and trade finance services with strong presence in Upper Austria and CEE; overlaps with RLBNW on corporate banking, export finance, and regional lending.
• Erste Group Bank AG: Austria's largest retail bank with savings/cooperative heritage; directly comparable regional commercial and retail banking franchise targeting Austrian corporates and consumers, and now RLBNW's co-investor in the EPI/Wero initiative.
• BAWAG Group AG: Austrian universal bank serving retail, SME, and corporate customers across Austria and Western Europe with strong digital and consumer lending positioning; directly overlaps RLBNW's retail, commercial, and corporate banking footprint in Austria.
• HYPO NOE Niederösterreichische Landesbank AG: Austrian regional state-mortgage bank headquartered in Lower Austria; directly comparable regional public-sector bank operating in the same Niederösterreich territory as RLBNW with mortgage, public finance, and corporate banking services.
• Volksbank Wien AG: Austrian cooperative Volksbanken group serving retail and SME customers with deposit-taking and lending products; closest cooperative-banking peer to RLBNW in structure and product set.
• Erste Bank Oesterreich (Sparkassen): Austrian retail and corporate arm of Erste Group, jointly with RLBNW the leading retail banking franchise in Austria; co-shareholder in EPI/Wero and closest retail and SME banking competitor.
• UniCredit Bank Austria AG: Subsidiary of UniCredit SpA providing full-service retail, corporate, and investment banking in Austria; competes head-to-head with RLBNW in Austrian SME and corporate banking, cash management, and trade finance.

Emerging players

• DKB (Deutsche Kreditbank AG): German direct/digital bank with strong cash management, online banking, and payment APIs; comparable business model for RLBNW's INFINITY corporate platform and PSD2 XS2A open-banking strategy.

Others

• Raiffeisen Bank International AG: Sister company within the broader Raiffeisen Banking Group Austria, focused on corporate/institutional banking and CEE network; sister listing for shared cooperative parent structure and overlapping capital markets and trade finance capabilities.

Broad incumbents

• BNP Paribas Austria: Universal banking subsidiary of a global bank active in Austria through corporate, trade finance, and cash management; broad-incumbent peer on corporate banking, ESG/sustainable bond issuance, and capital markets capabilities.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/user/raiffeisen
• Facebookfacebook.com/raiffeisen.noe
• Instagraminstagram.com/raiffeisen
• TikToktiktok.com/@raiffeisen
• LinkedInlinkedin.com/company/9543745

Compliance8 records

Revenue estimate

Valuation estimate

Number of profiles

Subsidiaries9 records

Funding overview

Funding rounds1 record

Investors

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

M&A

Investments1 record

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

Frequently asked questions about Raiffeisenlandesbank Niederösterreich-Wien