Raiffeisenbank Tulln eGen

What Raiffeisenbank Tulln eGen does

Raiffeisenbank Tulln-Klosterneuburg eGen is a regional Austrian cooperative bank (eingetragene Genossenschaft) headquartered at Bahnhofstraße 9 in Tulln, Niederösterreich, serving retail, youth, corporate, and private banking customers in the Tulln-Klosterneuburg region of Lower Austria. Founded in 1886 as part of the Raiffeisen cooperative banking movement, the bank operates under a member-owned structure where customers holding a Geschäftsanteil participate in governance and profits. It is affiliated with the broader Raiffeisen Bankengruppe Österreich, which spans approximately 1,500 branches nationwide. Distribution combines physical branches for advisory-led services with the Mein ELBA digital banking platform (web and iOS/Android app), supplemented by self-service terminals and digital wallets (Apple Pay, Google Pay, RaiPay).

The product portfolio spans the full retail and small-business banking lifecycle: daily banking (Girokonto, Basiskonto, debit and credit cards), youth and children's accounts (Sumsikonto 0-10, Jugendkonto 14+, Studentenkonto, Raiffeisen Club), consumer and mortgage lending (Sofort Kredit, Wohnfinanzierung, Bausparfinanzierung, Auto-Leasing), savings and investment products (Online Sparen, Bausparen, Wertpapierdepot, Fondssparen, Raiffeisen Zertifikate, WILL digital wealth management), insurance and pension distribution, real estate services (WohnTraumCenter, Vorsorgewohnungen), Private Banking with the Premium Depot model, and corporate banking via Raiffeisen INFINITY. Security is anchored on pushTAN with a 5-minute validity window, plus pushTAN Desktop for non-smartphone users, compliant with PSD2 strong customer authentication and WCAG 2.2 / EN 301 549 accessibility standards.

Revenue mechanics follow the standard cooperative banking model: net interest income from lending products (mortgages, consumer credit, auto leasing, corporate financing including mezzanine and project finance), transaction and account fees per published Preisblatt schedules, commissions on securities trading and investment products, and insurance distribution commissions. Ancillary streams include loyalty economics (Mein Bonus, jö Bonus Club partnership with 4.8M+ members), Bitpanda crypto referral, and the Raiffeisen Mobil MVNO. The customer base is structurally diversified across retail, youth, corporate, HNW/private banking, and professional groups (doctors, freelancers, farmers, municipalities, associations).

Name

Raiffeisenbank Tulln eGen

Legal name

Raiffeisenbank Tulln-Klosterneuburg eGen

Website

https://tulln.meineraika.at

Company type

Private

Founded year

1886

Operating status

Operating

Headcount range

11–50 employees

Short description

Raiffeisenbank Tulln-Klosterneuburg eGen is a regional Austrian cooperative bank serving retail, youth, corporate, and private banking customers in the Tulln-Klosterneuburg region of Lower Austria through branches and the Mein ELBA digital banking platform.

Ownership category

akta.pro rank

Product category

Retail Banking

NAICS

Commercial Banking (522110)

SIC

State Commercial Banks (6022)

akta.pro primary industry

Bank Connectivity & Channels (Host-to-host, SWIFT, APIs, EB portals) (FSABAIAF)

Keywords

• Retail banking services
• Cooperative banking
• Consumer lending
• Wealth management
• Private banking

Headquarters

HQ city

Tulln

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

Revenue model

1. Payment Services and Transaction Fees: Revenue from payment processing services including domestic and international transfers, direct debit transactions, and cash management services for retail and corporate customers.
2. Credit and Lending Products: Interest income from consumer loans, mortgages (Wohnfinanzierung), auto leasing, and business financing including operating capital, investments, mezzanine capital, and project financing.
3. Securities and Investment Products: Fees and commissions from securities trading, investment funds, certificates, gold and coins sales, and asset management services including WILL digital wealth management.
4. Insurance and Pension Products: Commission revenue from insurance products (life, accident, home, vehicle, legal protection) and pension insurance distribution.
5. Savings and Deposits Products: Traditional savings accounts, building society (Bausparen) products, and online savings offerings.
6. Card Services: Debit and credit card fees including annual fees, transaction commissions, and currency exchange margins.

Pricing tiers

Go-to-market motion1 record

Distribution channels6 records

Marketing channels6 records

Core offering

Raiffeisenbank Tulln eGen is a regional Austrian cooperative bank delivering comprehensive retail, corporate, and private banking services. Its product portfolio includes current accounts (Girokonto, Studentenkonto, Jugendkonto, Sumsikonto, Basiskonto), debit and credit cards, consumer and mortgage lending, savings and building society products, securities trading, digital wealth management (WILL), structured products (Raiffeisen Zertifikate), and insurance distribution. Banking is delivered through a hybrid channel model combining local bank branches with the Mein ELBA web and mobile banking platform.

Product overview

Raiffeisenbank Tulln eGen operates as a regional Austrian cooperative bank (Raiffeisenbank) providing a comprehensive, multi-channel banking platform centered on Mein ELBA (web) and Mein ELBA-App (mobile). The product portfolio spans personal finance across the entire customer lifecycle — from children's Sumsikonto and youth Raiffeisen Club accounts through to Private Banking — covering daily banking (giro, debit/credit cards, mobile payments via RaiPay, Apple Pay, and Google Pay), consumer and mortgage lending, savings and investment products (online savings, building society, securities via a Wertpapierdepot), digital wealth management (WILL robo-advisor), structured products (Raiffeisen Zertifikate), and insurance distribution. Corporate clients are served via Raiffeisen INFINITY. Ancillary offerings include Raiffeisen Mobil (MVNO mobile tariffs), Bitpanda (digital asset access), Mein Bonus loyalty, and Raiffeisen Research market intelligence. Core digital products are complemented by pushTAN/pushTAN Desktop security features, the Finanzmanager personal finance tool, and specialized apps (Raiffeisen JUNIOR-App, Börse360°, Fuhrpark App).

Differentiator

Problem solved

Functional benefit

Brands

• Private Banking: Premium wealth management and investment services for high-net-worth individuals
• WohnTraumCenter
• Raiffeisen Club
• Sumsi Club
• Mein ELBA
• Raiffeisen Mobil
• Raiffeisen Mobil
• Raiffeisen Shop
• WILL

Products and services

• Mein ELBA Online Banking Raiffeisen's primary web-based online banking platform providing account management, transfers, securities trading, financial overviews, and secure advisor communication for retail and corporate customers.
• Mein ELBA-App Mobile Banking Mobile banking application for iOS and Android smartphones and tablets offering real-time account monitoring, push notifications, pushTAN authentication, securities trading, card management, and partner integrations (Bitpanda, jö Bonus Club).
• Girokonto Current Account Standard current account for everyday banking, salary deposits, direct debits, standing orders, and day-to-day financial transactions for private customers.
• Studentenkonto Student Account Free or reduced-fee checking account designed for university and college students.
• Jugendkonto Youth Account Transitional banking account for young people typically available from age 14, including Raiffeisen Club membership and benefits.
• Basiskonto Basic Payment Account Basic payment account available to all residents regardless of credit history, providing essential banking services as required under EU payment account regulations.
• Sumsikonto Children's Savings Account Free savings account for children from birth until their 10th birthday, designed to teach responsible money management. Includes Sumsi Club card, Sumsi magazine, and Raiffeisen JUNIOR-App access for children aged 7 and above.
• Raiffeisen Debitkarte Debit Card Debit card for cash withdrawals, in-person and online payments, and contactless transactions. Includes tactile 'Notches' markers for accessibility and serves as the Raiffeisen Club card for youth customers.
• Raiffeisen Kreditkarte Credit Card Credit card brokered by Raiffeisenbank Tulln-Klosterneuburg for retail customers, providing revolving credit lines and payment flexibility.
• Sofort Kredit Instant Consumer Loan Instant consumer loan offering quick approval and disbursement for personal financing needs such as home improvements, vehicle purchases, or other personal expenses.
• Wohnfinanzierung Mortgage and Home Financing Mortgage and home financing product for purchasing, building, or renovating residential property, typically structured with long-term fixed or variable interest rates.
• Bausparfinanzierung Building Society Loan Building society-backed financing combining a savings phase with a subsequent loan phase, offering subsidized interest rates for home acquisition or construction.
• Auto-Leasing Vehicle Leasing Vehicle leasing product for financing cars and other vehicles, available as financial or operating leases with flexible terms and mileage configurations.
• Online Sparen Online Savings Digital savings account accessible via Mein ELBA, offering competitive interest rates for online deposits with flexible management.
• Bausparen Building Society Savings Building society savings product with government subsidies, providing tax-advantaged savings with subsequent entitlement to a preferential housing loan.
• WILL Digital Wealth Management (Robo-Advisor) Algorithm-driven automated portfolio management service available as a digital-only or blended advisory solution with optional human advisor support.
• Wertpapierdepot Securities Custody Account Securities custody account enabling customers to hold and trade stocks, bonds, funds, certificates, and other investment instruments via Mein ELBA and Mein ELBA-App.
• Fondssparen Systematic Fund Savings Plan Systematic investment plan enabling regular recurring mutual fund purchases with euro-cost averaging to build long-term wealth.
• Raiffeisen Zertifikate Structured Products Structured investment products issued by Raiffeisen offering access to over 5,000 investment and leverage products across themes including sustainability, future trends, and market indices, available for DACH and CEE markets.
• Vorsorge & Versichern Insurance and Pension Distribution Insurance and retirement planning product suite covering pension, life, accident, home, motor vehicle, legal protection, and health insurance, distributed through Raiffeisen advisors and insurance partners.
• Raiffeisen Private Banking Premium wealth management service for high-net-worth individuals offering holistic financial planning, investment advisory, estate and succession planning, insurance, real estate investment, and a dedicated relationship manager, with access to Raiffeisen Research and the Premium Depot model.
• Vorsorgewohnungen Investment Property Advisory Advisory service guiding customers through the acquisition of buy-to-let apartments including financing, tax advantages (VAT refund, depreciation), tenant pooling (Mietenpool), and property management considerations.
• Raiffeisen INFINITY Corporate Online Banking Business online banking platform for corporate customers offering comprehensive transaction banking, cash management, multi-user access with role-based permissions, and ERP integration.
• Raiffeisen Mobil MVNO Mobile Service Mobile virtual network operator service offered in partnership with Raiffeisen, providing SIM cards and mobile tariff plans (S, M, L tiers) exclusively for Raiffeisen customers with no activation or service fees.
• Raiffeisen Mein Bonus Loyalty Program Loyalty program offering points for using Raiffeisen products (Treuebonus) and credit card transactions (Kreditkartenbonus), redeemable for annual cash payouts.

Quantifiable outcome

• 140 years of continuous operation in Lower Austria since 1886
• +2 more outcomes

Named customers4 records

Segments5 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration4 records

Feature5 records

Partnerships

Five partnerships are on record, tiered core and minor.

• jö Bonus ClubcoreGTM or Marketing PartnerStrategic partnership with Austria's largest advantage club (4.8+ million members) allowing Raiffeisen debit card holders to collect 'Ös' (reward points) for card payments. Customers can earn up to 100 Ös per month through everyday spending, redeemable for discounts and benefits at jö partners including BILLA, BILLA PLUS, and BIPA.
• Raiffeisen ResearchcoreTechnology or IntegrationEstablished research provider for the Austrian Raiffeisen sector, delivering comprehensive analysis, data-driven market expertise, and clearly categorized trends for forward-looking wealth planning. Covers Eurozone, Austrian economy, international capital market topics including central banks, benchmark interest rates, and currencies. Analyzes approximately 100 international and Western European individual stocks.
• AURIminorGTM or Marketing PartnerAURI is a sustainable electricity provider and energy network. Raiffeisen promotes AURI as a green energy option for customers, emphasizing regional, environmentally friendly, and cost-effective energy supply.
• BILLA, BILLA PLUS, BIPA (jö Partner Retailers)minorGTM or Marketing PartnerRetail partners participating in the jö Bonus Club loyalty program. Raiffeisen debit card holders receive additional 'Ös' rewards when paying at these jö partner stores. Vouchers for these retailers are offered as welcome bonuses for new jö-Raiffeisen account linking.
• Raiffeisen Private Banking NetworkcoreOthersAs part of the leading banking group in Lower Austria, Raiffeisenbank Tulln-Klosterneuburg offers a comprehensive care concept and service portfolio specifically tailored to the needs of wealthy private customers through the Raiffeisen Private Banking network.

Scale indicators4 records

Recent moves1 record

Expansion highlights6 records

Broad incumbents

• UniCredit Bank Austria: Universal bank subsidiary of Italy's UniCredit, one of the Big Three Austrian banks with national branch coverage, full corporate banking capabilities, and private banking services that overlap directly with Raiffeisen Tulln's offerings.
• BAWAG Group: Publicly listed Austrian retail and SME bank with strong deposit gathering, consumer lending, and digital channels. Competes directly with Raiffeisen Tulln for retail deposits, mortgages, and SME banking in Lower Austria.
• Erste Group Bank: Largest retail banking group in Austria and Central/Eastern Europe operating the Erste Bank and Sparkassen brands. Competes head-to-head with Raiffeisen Tulln for retail, mortgage, and SME customers across the same Lower Austrian footprint.

Direct peers

• Raiffeisenlandesbank Niederösterreich-Wien: Regional central institution of the Raiffeisen banking group in Lower Austria and Vienna, providing wholesale banking services and acting as the primary intermediary for the local Raiffeisenbanken including Tulln-Klosterneuburg. Operates the same cooperative model and shares IT infrastructure.
• Schelhammer Capital Bank AG: Austrian private bank focused on wealth management, private banking, and securities services for affluent individuals, broadly comparable to Raiffeisen Tulln's Private Banking business unit and Premium Depot offering.
• Volksbank Wien-Baden eG: Austrian cooperative bank operating under the Volksbanken group structure, serving retail and SME customers in eastern Austria with similar cooperative governance and full-service product range, directly comparable to Raiffeisen Tulln's business model.

Regional players

• HYPO NOE Landesbank für Niederösterreich und Wien AG: Regional state mortgage and commercial bank focused on Lower Austria and Vienna, providing retail mortgages, public sector finance, and corporate banking. Direct overlap with Raiffeisen Tulln in the same geographic market and product set.
• Sparkasse Niederösterreich Mitte West AG: Austrian savings bank serving the Lower Austrian region including areas near Tulln, offering retail banking, mortgages, and SME services through physical branches comparable to Raiffeisen Tulln's branch-led model.

Emerging players

• Revolut Bank UAB (Austria operations): Digital neobank serving Austrian retail customers with current accounts, multi-currency wallets, payments, and crypto trading. Disrupts the deposit and payments franchise that anchors Raiffeisen Tulln's core retail banking.
• N26 Bank GmbH (Austria): Berlin-headquartered digital bank with significant Austrian customer base, offering mobile-first current accounts, transfers, and card services. Directly targets the same retail deposit and payment customers as Raiffeisen Tulln.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/raiffeisenbanktullnklosterneuburg
• LinkedInlinkedin.com/company/raiffeisenbanktulln
• Instagraminstagram.com/raiffeisenbanktullnklbg

Compliance3 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 Tulln eGen