Raiffeisenbank Bludenz-Montafon eGen

What Raiffeisenbank Bludenz-Montafon eGen does

Raiffeisenbank Bludenz-Montafon eGen is a regional cooperative bank (eingetragene Genossenschaft) established in 1890 and headquartered at Werdenbergerstraße 9, 6700 Bludenz, in the Vorarlberg region of Austria. It is a member-owned institution affiliated with the Raiffeisen Banking Group Austria, the country's largest banking network. The bank operates five physical branches across the Bludenz-Montafon valley (Bludenz, Schruns, Dalaas, St. Gallenkirch, Vandans) and serves retail customers, small and medium enterprises, farmers, doctors, municipalities, associations, and self-employed professionals. The bank employed approximately 29 staff and conducted its 134th General Assembly in 2026, indicating long-tenured continuous operations.

The bank's core technology is built on Raiffeisen Austria's centralized digital infrastructure. Customer-facing platforms include Mein ELBA for online banking and the Mein ELBA-App for mobile (iOS, Android, Huawei), Raiffeisen INFINITY for business banking, and WILL for algorithm-based digital wealth management. Mobile payment integrations cover Apple Pay, Google Pay, and Raiffeisen's own RaiPay. Additional digital offerings include Börse360° for market data, Raiffeisen JUNIOR for youth banking, and the Sumsi Club for children's financial education. The bank is a participant in the PHISHEN IMPOSSIBLE anti-phishing initiative coordinated with PSA Payment Services Austria, the Bundeskriminalamt, A1, Österreichische Post, and Watchlist Internet. Marketing and distribution combine physical branches, online appointment booking, social media presence (Facebook, Instagram, YouTube, TikTok), a member magazine, the Raiffeisen Club loyalty community, and a crowdfunding platform for local projects.

Revenue is generated through traditional banking streams: net interest income from lending (mortgages, consumer credit, auto leasing, business financing), account maintenance and transaction fees, commissions from securities trading, fund distribution and wealth management (including the WILL robo-advisory product), and insurance distribution commissions. The bank operates as a member-owned cooperative with no external shareholders, no public listing, and no venture or private equity backing; governance runs through periodic General Assemblies. Specific revenue figures, member counts, and loan book size are not publicly disclosed.

Name

Raiffeisenbank Bludenz-Montafon eGen

Legal name

Raiffeisenbank Bludenz-Montafon eGen

Website

https://raiba-bludenz-montafon.at

Company type

Private

Founded year

1890

Operating status

Operating

Headcount range

11–50 employees

Short description

Raiffeisenbank Bludenz-Montafon eGen is a 29-employee regional cooperative bank in the Bludenz-Montafon valley of Vorarlberg, Austria, operating five branches as part of the Raiffeisen Banking Group Austria and serving retail customers, SMEs, and local institutions with full-service and digital banking.

Ownership category

akta.pro rank

Headquarters

HQ city

Bludenz

HQ country

Austria

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, Others

Revenue model

1. Interest Income: Traditional banking revenue from lending activities including mortgages, consumer loans, and business financing
2. Account and Transaction Fees: Fees from account maintenance, transactions, card services, and banking services
3. Investment Products: Revenue from securities trading, fund distribution, and wealth management services including commissions on securities transactions
4. Insurance Distribution: Commission revenue from sale of insurance products (life, accident, health, property)

Pricing tiers

Go-to-market motion1 record

Distribution channels5 records

Marketing channels5 records

Core offering

Raiffeisenbank Bludenz-Montafon eGen is a regional cooperative bank providing full-service retail and commercial banking to individuals, businesses, farmers, doctors, municipalities, and associations in the Bludenz-Montafon region of Vorarlberg, Austria. Its core offering comprises current and savings accounts, debit and credit cards, consumer and mortgage lending, business financing (cash management, factoring, leasing, foreign trade services), securities and fund investment via Wertpapierdepot/Online-Depot and Börse360°, digital wealth advisory through WILL, insurance distribution (life, accident, health, property, motor, legal protection), and mobile payments via RaiPay/Google Pay/Apple Pay, all delivered through five physical branches and the Raiffeisen group's Mein ELBA digital banking infrastructure.

Product overview

Raiffeisenbank Bludenz-Montafon eGen operates as a regional cooperative bank offering a comprehensive banking platform with both traditional and digital services. The core banking infrastructure centers around Mein ELBA for online/mobile banking and Raiffeisen INFINITY for business banking, supplemented by WILL for digital wealth management. The product portfolio spans account services (giro, student, youth accounts), cards (debit and credit), lending (consumer credit, home finance, auto leasing), savings (online, building savings, savings books), and investments (securities, funds, certificates, gold). Digital offerings include mobile apps (Mein ELBA-App, Börse360°, Raiffeisen JUNIOR, RaiPay), Raiffeisen Mobil telecom services, and the Schauplatz Börse market information platform. This multi-channel approach combines local branch presence with digital banking capabilities.

Differentiator

Problem solved

Functional benefit

Brands

• Mein ELBA: Online and mobile banking platform offered by Raiffeisen banks in Austria.
• Raiffeisen INFINITY
• Raiffeisen Mobil

Products and services

• Mein ELBA Online Banking Web-based online banking platform providing account management, transfers, and self-services for retail and business banking customers of the Raiffeisenbank Bludenz-Montafon region.
• Mein ELBA-App Mobile Banking Native mobile banking application for smartphones (iOS, Android, Huawei) enabling account access, payments, card management, and self-service banking on the go for retail customers.
• Raiffeisen INFINITY Business Banking Specialized business banking portal for corporate customers providing cash management, electronic banking, multi-user access, batch processing, and automated payment workflows for SMEs and larger companies.
• WILL - Digitale Vermögensverwaltung Digital asset management service providing automated, algorithm-based portfolio management for wealth building and investment advisory for private banking customers.
• Girokonto (Current Account) Current account (salary account) offered in multiple tiers (Premium, Komfort, Online, Kompakt) providing secure day-to-day banking functions for private individuals.
• Kreditkarte (Credit Card) Credit card accepted worldwide with contactless payment, customizable limits, insurance protection, and customizable designs for retail customers.
• Debitkarte (Debit Card) Debit card enabling cashless payments and ATM withdrawals directly linked to the customer's bank account for retail customers.
• Wohnfinanzierung (Home Financing/Mortgage) Home financing solutions including mortgages and property loans for purchasing or building residential property for retail customers.
• Konsumkredit / Der Faire Credit (Consumer Credit) Consumer credit product offering fair and transparent financing for personal purchases and expenses for retail banking customers.
• Auto-Leasing Vehicle leasing service for financing new or used automobiles with flexible terms for retail customers.
• Bausparen (Building Savings) Building savings product combining savings accumulation with subsidized loans for construction or renovation purposes, targeted at retail customers planning home ownership.
• Online Sparen (Online Savings Account) Online savings account offering competitive interest rates with the convenience of managing savings digitally for retail customers.
• Sparbuch (Savings Book) Traditional savings book product providing a simple and secure way to accumulate savings with guaranteed deposits for retail customers.
• Raiffeisen Online-Depot (Online Securities Account) Online securities trading account providing access to global stock exchanges for buying and selling securities at competitive rates for retail investors.
• Wertpapierdepot (Securities Depot) Securities depot for holding and managing investments in stocks, bonds, funds, and other financial instruments for retail customers.
• Fonds (Investment Funds) Investment funds offering diversified portfolio exposure to various asset classes managed by professional fund managers, distributed to retail customers through the bank.
• Zertifikate (Investment Certificates) Investment certificates providing structured returns with various risk profiles and underlying asset exposures for retail investors.
• Aktien & Anleihen (Stocks & Bonds) Direct investment access to individual stocks and bonds traded on global stock exchanges for retail investors.
• Gold & Münzen (Gold and Coins) Physical gold and collectible coins for precious metal investment and portfolio diversification for retail customers.
• Insurance Distribution (Pension, Life, Accident, Health, Property, Motor, Legal Protection) Distribution of insurance products covering pension, life, accident, health, home/property, motor vehicle (Kfz), and legal protection (Rechtsschutz) needs, offered to retail customers via Raiffeisen insurance partnerships.
• Jugendkonto (Youth Account) Youth account designed for young people, often free of charge, with features suitable for first-time banking customers and basic financial education.
• Studentenkonto (Student Account) Student account offered free of charge for university and college students with banking features tailored to student needs.
• Sumsi Club / Sumsi Konto (Children's Club and Account) Children's banking club featuring the Sumsi mascot for financial education, with a youth savings account targeted at children and parents.
• RaiPay Mobile Payment App Mobile payment application developed by Raiffeisen enabling contactless payments via smartphone for retail customers.
• Börse360°-App (Capital Market App) Capital market application providing real-time financial market information, stock market data, and investment insights for retail investors.
• Raiffeisen Mobil (Mobile Tariff Service) Mobile phone tariff service offering smartphone plans (S, M, L), including up to 70 GB data options and unlimited internet options for retail customers in partnership with a telecommunications provider.
• Raiffeisen JUNIOR (Young Customers Banking App) Banking app designed for young customers, enabling financial education and basic banking services for children and teenagers.
• Geschäftskonto (Business Current Account) Business current account for corporate customers of the Bludenz-Montafon region supporting day-to-day payment transactions, cards, and electronic banking.
• Electronic Banking for Business Electronic banking services for business customers including multi-user access, batch processing, and automated payment workflows.
• Cash Management (Firmenkunden) Cash management service for corporate customers covering payment transactions, collections, and liquidity management, distributed under the business banking (Firmenkunden) portfolio.
• Auslandsgeschäft / Foreign Trade Services (Akkreditiv, Dokumenteninkasso, Auslandsgarantie, International Services) Foreign trade banking instruments for businesses including letters of credit (Akkreditiv), documentary collections (Dokumenteninkasso), foreign guarantees (Auslandsgarantie), and broader International Services.
• Business Financing (Betriebsmittel, Investitionen, Projektfinanzierung, Förderungen, Garantie & Haftung, Leasing) Comprehensive business financing range including working-capital loans (Betriebsmittel), investment loans, project financing, subsidy advisory (Förderungen), guarantees and sureties, and leasing for corporate customers.
• Factoring Factoring service enabling businesses to sell or assign their receivables for working capital and liquidity management.
• Raiffeisen Immobilien Real Estate Services Real estate brokerage services offered in partnership with Raiffeisen Immobilien, covering property search, purchase, sale, and financing advice for retail and business customers.

Segments9 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration5 records

Feature6 records

Partnerships

Ten partnerships are on record, tiered core and minor.

• PSA Payment Services Austria GmbHcoreStrategic or Co-development PartnerCollaboration in the PHISHEN IMPOSSIBLE initiative - an anti-phishing and cybersecurity awareness platform. PSA Payment Services Austria works with Austrian banks, Bundeskriminalamt, A1, Österreichische Post, and Watchlist Internet to protect customers from online fraud and social engineering attacks.
• BundeskriminalamtminorStrategic or Co-development PartnerPartner in PHISHEN IMPOSSIBLE anti-phishing initiative, providing cybersecurity expertise and law enforcement coordination.
• A1 (Telecom)minorStrategic or Co-development PartnerPartner in PHISHEN IMPOSSIBLE anti-phishing initiative, contributing telecommunications infrastructure and customer protection.
• Österreichische PostminorStrategic or Co-development PartnerPartner in PHISHEN IMPOSSIBLE anti-phishing initiative, providing postal and customer communication services.
• Watchlist InternetminorStrategic or Co-development PartnerPartner in PHISHEN IMPOSSIBLE anti-phishing initiative, providing internet safety monitoring and fraud awareness.
• Raiffeisen Austria (Parent Organization)coreStrategic or Co-development PartnerPart of the Raiffeisen Banking Group Austria, the largest banking network in Austria. Benefits include centralized digital banking infrastructure (Mein ELBA), shared product development, brand recognition, and access to group-wide financial services and expertise.
• Raiffeisen ImmobiliencoreChannel Partner/ Reseller/ DistributorReal estate services partnership offering property search, buying, selling, and financing through Raiffeisen Immobilien brokers. Provides comprehensive real estate services to bank customers.
• Google PaycoreTechnology or IntegrationIntegration partnership enabling contactless mobile payments through Google Pay for customers with compatible Android devices.
• Apple PaycoreTechnology or IntegrationIntegration partnership enabling contactless mobile payments through Apple Pay for customers with compatible Apple devices.
• SkinfitminorGTM or Marketing PartnerRegional partnership with local outdoor/sports brand under the 'Raiffeisen x Skinfit' initiative. Community engagement and local business collaboration.

Scale indicators2 records

Recent moves5 records

Expansion highlights3 records

Broad incumbents

• BAWAG Group: Major Austrian retail and SME bank offering deposits, lending, cards, and digital banking nationwide - directly competes for the bank's retail and business customers with greater scale and digital capabilities.
• Raiffeisen Bank International: The listed parent banking group of the Austrian Raiffeisen cooperative network - provides the centralized digital infrastructure, products, and brand that this regional bank leverages, while operating broadly across CEE with corporate and retail banking.
• Erste Group Bank: One of Austria's largest banking groups (parent of Erste Bank, Sparkassen) competing for retail and SME customers across the same Vorarlberg market with broader product breadth and significantly larger scale.

Direct peers

• Raiffeisenlandesbank Vorarlberg: Regional Raiffeisen cooperative bank operating in the same Vorarlberg region with a comparable cooperative structure, retail and SME banking focus, and access to the same Raiffeisen Austria infrastructure (Mein ELBA, INFINITY).
• Hypo Vorarlberg Bank: Vorarlberg-based regional universal bank (formerly Landesbank) providing retail, corporate, and wealth management services in the same geographic market as Raiffeisenbank Bludenz-Montafon, with overlapping customer segments.
• Volksbank Wien: Other Austrian Volksbank cooperative bank operating with a comparable cooperative ownership structure, retail and SME banking focus, and access to the Volksbank Group's shared digital infrastructure.
• Volksbank Vorarlberg: Volksbank cooperative bank serving Vorarlberg with a similar regional cooperative model, retail and business banking focus, and physical branch presence - directly comparable in scale and customer segments.

Regional players

• Sparda-Bank München: Large German cooperative bank serving a specific regional membership with a comparable cooperative ownership model, member-focused retail banking, and shared cooperative IT infrastructure - illustrative of the regional cooperative peer set.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• YouTubeyoutube.com/channel/UC_tsxKJWQQewKwjNrdkCsHQ
• Facebookfacebook.com/raibavbg
• Instagraminstagram.com/raiffeisen
• TikToktiktok.com/@raiffeisen
• LinkedInlinkedin.com/company/raiffeisenbank-bludenz-montafon-egen

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

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 Bludenz-Montafon eGen