Raiffeisenbank Stockerau

What Raiffeisenbank Stockerau does

Raiffeisenbank Stockerau is a regional cooperative bank headquartered at Rathausplatz 2, Stockerau, Lower Austria, operating within the Austrian Raiffeisen Bankengruppe network. Founded in 1886 as part of the Raiffeisen cooperative movement in Lower Austria, the bank serves retail consumers, small and medium-sized enterprises, and high-net-worth private banking clients across the Stockerau region. It offers a full-service product portfolio spanning current and savings accounts (Girokonto, Studentenkonto, Jugendkonto, Basiskonto, Sparbuch, Online Sparen, Bausparen), lending (Bonus-Kredit, Sofort Kredit, Wohnfinanzierung, Bausparfinanzierung, Auto-Leasing), investment and wealth services (Wertpapierdepot, WILL digital wealth management, Gold & Münzen), insurance distribution (pension, life, accident, home, motor), and corporate banking (Electronic Banking, Cash Management, Factoring, Export financing, leasing). Sector-specific advisory is provided for doctors, freelancers, farmers, municipalities, and associations, including business founding and succession planning.

The bank's technology stack is built on the centralized Raiffeisen digital infrastructure: the Mein ELBA online banking platform and Mein ELBA-App (operated by Raiffeisen Digital GmbH in Vienna) provide account management, transfers, and PSD2-compliant pushTAN two-factor authentication, with pushTAN Desktop extending secure transaction signing to Windows and macOS. A broad mobile/wearable payment ecosystem supports Apple Pay, Google Pay, Garmin Pay, Swatch Pay, LAKS PAY, Bluecode, Click to Pay, and the proprietary RaiPay app. Corporate customers use Raiffeisen INFINITY for cash management, and a Developer Portal exposes APIs (including PhotoPay slip-scanning integration). Compliance certifications include PSD2, GDPR, FATCA, ISO 27001, PCI DSS, and SWIFT CSCF.

Revenue is generated through traditional banking mechanics: net interest income on lending and deposit spreads, transaction and account fees, card fees, securities brokerage and custody fees, FX services, insurance distribution commissions, and asset/wealth management fees. The bank employs approximately 19 staff at the local level (with shared services provided by Raiffeisen Digital GmbH and Raiffeisenlandesbank NÖ-Wien), and serves customers through multiple regional branches, online/mobile self-service channels, the WohnTraumCenter for real estate financing, a dedicated Private Banking team, and the ELBA-Hotline for support. As a cooperative (Genossenschaft), the bank is member-owned and not publicly listed.

Name

Raiffeisenbank Stockerau

Legal name

Raiffeisenbank Stockerau

Website

https://stockerau.meineraika.at

Company type

Private

Founded year

1886

Operating status

Operating

Headcount range

11–50 employees

Short description

Raiffeisenbank Stockerau is a regional Austrian cooperative bank (est. 1886) serving retail, SME, and private banking clients in the Stockerau region of Lower Austria with full-service banking, lending, wealth management, and digital channels via the Mein ELBA platform.

Ownership category

akta.pro rank

Product category

Cooperative Retail Banking

NAICS

Depository Credit Intermediation (5221)

SIC

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

akta.pro primary industry

Mass-Market Consumer Deposit Banking (Checking/Savings) (FSABAAAA)

Keywords

• Retail banking services
• Cooperative banking
• Mortgage financing
• Business banking services
• Digital payment services

Headquarters

HQ city

Stockerau

HQ country

Austria

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Interest Income: Core banking revenue from lending activities including mortgages (Wohnfinanzierung), consumer credits (Bonus-Kredit, Sofort Kredit), auto leasing, and business financing. Interest spreads on deposits and loans form the primary revenue stream as a traditional Austrian cooperative bank.
2. Fee and Commission Income: Account maintenance fees, transaction fees (domestic and international payments), card fees (debit and credit cards), securities brokerage and custody fees, foreign exchange services, and insurance distribution commissions.
3. Asset Management and Wealth Management: Revenue from investment products including securities accounts (Wertpapierdepot), fund savings plans (Fondssparen), digital wealth management (WILL), and gold/munitions sales.

Pricing tiers

Go-to-market motion1 record

Distribution channels6 records

Marketing channels6 records

Core offering

Raiffeisenbank Stockerau is a regional Austrian cooperative bank providing retail and commercial banking products and services to individuals, businesses, and private banking clients in the Stockerau region of Lower Austria. Its offerings span current accounts, consumer and mortgage lending, savings and investment products, insurance distribution, payment cards, mobile/contactless payments, business banking (cash management, factoring, export financing), and digital wealth management. Customers access these via physical branches, the Mein ELBA online and mobile banking platform, and a dedicated advisor network.

Product overview

Raiffeisenbank Stockerau operates as a regional cooperative bank offering a comprehensive financial services portfolio. The core banking platform is Mein ELBA (online and mobile banking), supported by Raiffeisen INFINITY for business customers. The product ecosystem includes multiple payment methods (Apple Pay, Google Pay, Bluecode, RaiPay, Garmin Pay, Swatch Pay, LAKS PAY, Click to Pay), deposit products (Girokonto, Sparbuch, Online Sparen, Bausparen, AnlageCard Plus, Vermögenssparbuch), credit solutions (Sofort Kredit, Bonus-Kredit, Wohnfinanzierung, Bausparfinanzierung, Auto-Leasing), investment services (Wertpapierdepot, WILL digital wealth management, Gold & Münzen), insurance products (Pensionsversicherung, Lebensversicherung, Unfallversicherung, Wohnversicherung, Kfz-Versicherung), and business banking services (Electronic Banking, Cash Management, Factoring, Export financing). Mobile authentication is handled via pushTAN (mobile app) or pushTAN Desktop (software for PC). The WohnTraumCenter provides real estate services. A Developer Portal is available for API access.

Differentiator

Problem solved

Functional benefit

Brands

• Mein ELBA: Online and mobile banking platform of the Austrian Raiffeisen banks
• WohnTraumCenter
• Raiffeisen Private Banking

Products and services

• Girokonto
• Studentenkonto
• Jugendkonto / Kinder- und Jugendkonten
• Basiskonto
• Bonus-Kredit
• Sofort Kredit
• Wohnfinanzierung
• Bausparfinanzierung
• Auto-Leasing
• Online Sparen
• AnlageCard Plus
• Sparbuch
• Bausparen
• Vermögenssparbuch
• WILL - Die digitale Vermögensverwaltung
• Wertpapierdepot
• Wertpapiere
• Gold & Münzen
• Raiffeisen Debitkarte
• Raiffeisen Kreditkarte
• Pensionsversicherung
• Lebensversicherung
• Unfallversicherung
• Electronic Banking (Firmenkunden)
• Cash Management
• Factoring
• Exportabsicherung
• Exportfinanzierung
• WohnTraumCenter
• Mein ELBA / Mein ELBA-App
• RaiPay
• Bluecode App
• Digital Signatur

Named customers4 records

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration10 records

Feature5 records

Partnerships

Seven partnerships are on record, tiered core and minor.

• Raiffeisen Digital GmbHcoreStrategic or Co-development PartnerRaiffeisen Digital GmbH (based at Friedrich-Wilhelm-Raiffeisen-Platz 1, 1020 Vienna) operates the digital banking infrastructure for Austrian Raiffeisen banks including the Mein ELBA online banking platform, Mein ELBA-App, and the www.raiffeisen.at portal. Raiffeisenbank Stockerau participates in this shared digital ecosystem.
• Raiffeisenlandesbank NÖ-Wien AGcoreStrategic or Co-development PartnerRaiffeisenlandesbank NÖ-Wien AG operates the ELBA-Hotline for Niederösterreich and Wien (Tel. 01/33701-4800), providing technical support for Mein ELBA users. It is a key infrastructure and support partner for Raiffeisenbank Stockerau.
• Apple Inc. (Apple Pay)coreTechnology or IntegrationApple Pay integration enables Raiffeisen customers to pay with their Raiffeisen debit or credit card using Apple devices (iPhone, Apple Watch, iPad, Mac) at contactless terminals and online. Card activation is done through the Mein ELBA-App or Apple Wallet.
• Google LLC (Google Pay / Google Wallet)coreTechnology or IntegrationGoogle Pay integration enables Raiffeisen customers to pay using Android smartphones and Wear-OS smartwatches at contactless terminals and in apps. Cards are added via Google Wallet app with bank verification through Mein ELBA.
• Bluecode International GmbHcoreTechnology or IntegrationBluecode is an Austrian mobile payment solution integrated into the Raiffeisen Bluecode app, enabling barcode-based payments at over 85% of Austrian supermarkets and retailers, and internationally at Alipay partner locations (88 million merchants in 57 regions worldwide).
• PSA Payment Services Austria GmbH / PHISHEN IMPOSSIBLE InitiativeminorStrategic or Co-development PartnerRaiffeisen participates in the PHISHEN IMPOSSIBLE anti-phishing initiative alongside PSA Payment Services Austria, Austrian banks, the Bundeskriminalamt, A1, Österreichische Post, and Watchlist Internet, providing cybersecurity awareness resources to customers.
• Watchlist InternetminorStrategic or Co-development PartnerWatchlist Internet is an independent information platform for internet fraud awareness. Raiffeisenbank Stockerau links to Watchlist Internet resources to educate customers about current scams, phishing, and fraud prevention.

Scale indicators2 records

Recent moves6 records

Expansion highlights6 records

Broad incumbents

• BAWAG Group AG: Major Austrian retail and SME bank with nationwide presence. Competes directly with Raiffeisenbank Stockerau for retail deposits, consumer lending, and SME banking in the same Lower Austrian market.
• Erste Group Bank AG: One of Austria's largest banking groups with a strong retail and SME presence across Central and Eastern Europe. Competes with regional Raiffeisen banks for retail and corporate customers in Lower Austria, but at significantly larger scale.
• UniCredit Bank Austria AG: One of Austria's largest universal banks offering retail, corporate, and private banking nationwide. Competes with regional banks including Raiffeisenbank Stockerau for both retail and business customers.

Emerging players

• N26 Bank GmbH: Berlin-based digital neobank with significant Austrian customer base. Competes with Raiffeisenbank Stockerau for retail deposits and payments, offering a pure digital alternative to traditional regional banks.
• Revolut Bank UAB: European digital banking challenger serving Austrian retail customers with deposits, payments, and investment products. Represents an emerging competitive threat to traditional cooperative banks in the region.

Regional players

• Oberbank AG: Austrian regional bank with strong Upper Austria base but expanding into neighboring regions. Comparable business model focused on retail and SME banking with a regional cooperative-style approach.
• Hypo NÖ Landesbank AG: State-owned regional bank of Lower Austria providing retail, corporate, and real estate financing. Operates in the same geographic market as Raiffeisenbank Stockerau with comparable regional retail focus.

Direct peers

• Volksbank Niederösterreich AG: Regional Volksbank serving retail and SME customers in Lower Austria. Operates cooperative-style banking with similar product breadth (deposits, loans, mortgages, investments) and regional branch network.
• Raiffeisenlandesbank NÖ-Wien AG: Central institution of the Austrian Raiffeisen banking network in Lower Austria and Vienna. Operates as the lead bank and central infrastructure provider for regional Raiffeisenbanks including Stockerau, providing shared digital platforms (Mein ELBA), treasury, and corporate banking services.
• Sparkasse Niederösterreich Mitte West AG: Regional savings bank operating in the same Lower Austrian geography, providing retail, corporate, and private banking services through a multi-branch network. Directly comparable business model as a regional cooperative-style universal bank.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks5 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/daistwaslos
• LinkedInlinkedin.com/company/raiffeisenbank-stockerau
• Instagraminstagram.com/raiffeisenclub_noe_wien
• TikToktiktok.com/@raiffeisen

Compliance5 records

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 Raiffeisenbank Stockerau