Raiffeisen-landesbank Tirol Ag

What Raiffeisen-landesbank Tirol Ag does

Raiffeisen-Landesbank Tirol AG is an Austrian regional bank headquartered in Innsbruck at Raiffeisenplatz 1, founded in 1895 and operating as an Aktiengesellschaft under the broader Raiffeisen cooperative banking network. The bank serves both private and corporate customers within the Tirol state of Austria through physical branches in Innsbruck (including its new RAIQA flagship center launched in 2024), Lienz, and Zirl. It is a full-service retail and commercial institution offering current accounts (Girokonto, Basiskonto, student and youth variants), debit and credit cards, consumer and mortgage loans (Wohnfinanzierung, Bausparen), auto leasing, factoring and project finance for businesses, securities and fund distribution, insurance intermediation, and digital wealth management.

Its technology stack centers on the Mein ELBA online banking platform and Mein ELBA-App (iOS, Android, Huawei AppGallery), supplemented by RaiPay for Android contactless payments, integration with Apple Pay and Google Pay, Raiffeisen Infinity for corporate banking, Raiffeisen JUNIOR for youth users, and the Börse360° capital-markets app. The bank maintains a developer portal (developer.raiffeisen.at) for fintech and API integrations, and has extended its offerings into digital assets via a partnership with Bitpanda and into ESG/sustainable finance via the OeKB Datahub. An ancillary product, Raiffeisen Mobil, bundles mobile telecom tariffs (EUR 9.90 / 70GB for tariff M) into the bank's product mix.

Revenue is generated from interest income on lending and leasing, transaction and account fees, recurring revenue from investment and wealth-management mandates, and commission income from insurance distribution. The customer base is segmented across seven distinct groups including private individuals, corporate and municipal clients, freelancers, medical professionals, youth, and non-profits. No public revenue disclosure, ticker, or headcount figure is available in the source data, consistent with the firm's unlisted, cooperative-anchored ownership structure.

Name

Raiffeisen-landesbank Tirol Ag

Legal name

Raiffeisen-Landesbank Tirol AG

Website

https://rlb-tirol.at

Company type

Private

Founded year

1895

Operating status

Operating

Short description

Raiffeisen-Landesbank Tirol AG is an Austrian regional bank headquartered in Innsbruck serving private, corporate, and institutional customers in the Tirol region via branches plus the Mein ELBA digital platform, offering accounts, cards, lending, leasing, securities, insurance distribution, and digital-asset investment services.

Ownership category

akta.pro rank

Headquarters

HQ city

Innsbruck

HQ country

Austria

HQ region

Europe

Offices2 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. Interest Income: Traditional banking revenue from lending activities including mortgages, consumer loans, business financing, and leasing arrangements. Interest margin constitutes core revenue stream.
2. Transaction and Account Fees: Fees from account maintenance, payment transactions, card usage, and express transfers
3. Investment and Wealth Management Services: Revenue from securities trading, fund distribution, digital asset management, and financial advisory services
4. Insurance Distribution: Commission revenue from distributing insurance products including life, accident, health, property, and vehicle insurance

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels6 records

Core offering

Raiffeisen-Landesbank Tirol AG provides retail and corporate banking, savings and investment products, consumer and real estate financing, leasing, insurance distribution, and digital payment services to customers in the Tyrol region of Austria. Banking services are delivered through a hybrid branch-and-digital channel mix anchored by the Mein ELBA online and mobile platform, the Raiffeisen Infinity corporate portal, and the RaiPay mobile wallet.

Product overview

Raiffeisen-Landesbank Tirol AG operates as a regional Austrian bank offering a unified platform of banking services through multiple integrated channels. The core digital banking ecosystem centers on Mein ELBA (online banking platform) and the Mein ELBA-App (mobile application), supplemented by specialized sub-products including Raiffeisen Infinity for business banking, Raiffeisen JUNIOR-App for youth, and RaiPay for digital wallet functionality. The bank provides traditional banking products (accounts, credit cards, loans, mortgages) alongside digital investment services (securities trading, digital asset management via Bitpanda partnership), insurance products, and real estate services. Mobile payment integrations with Google Pay and Apple Pay extend contactless payment capabilities, while the Raiffeisen Mobil telecom tariff adds mobile services to the product portfolio.

Differentiator

Problem solved

Functional benefit

Brands

• Mein ELBA: Online and mobile banking platform for personal customers
• Mein ELBA-App
• Raiffeisen Infinity
• RaiPay
• Raiffeisen JUNIOR
• Börse360°
• RAIQA

Products and services

• Girokonto (Checking Account) Primary checking account product providing standard retail banking services including transfers, direct debits, card management, and everyday payment functionality for private customers.
• Studierendenkonto (Student Account) Specialized checking account with tailored benefits and terms for university students.
• Club-Konto bis 24 (Youth Account) Free-of-charge checking account for customers up to age 24 with special conditions tailored to young retail customers.
• Sumsikonto (Children's Savings Account) Child-friendly savings account featuring playful branding and savings features designed for young savers.
• Basiskonto (Basic Account) Basic banking account meeting EU payment account requirements, providing essential banking services for customers who need fundamental transactional access.
• Raiffeisen Kreditkarte (Credit Card) Credit card offering worldwide acceptance, contactless payment, customizable limits, integrated insurance protection, and custom card designs.
• Raiffeisen Debitkarte (Debit Card) Debit card linked to the customer's checking account for cash withdrawals and retail payments.
• Der faire Credit (Personal Loan) Personal loan product with fair terms for consumer financing needs of private customers.
• Wohnfinanzierung (Real Estate / Mortgage Financing) Mortgage and real estate loan products for purchasing, building, or refinancing residential property for private customers.
• Auto-Leasing Vehicle leasing solutions for automobile financing offered to private retail customers.
• Online Sparen (Online Savings Account) Online savings account offering competitive interest rates accessible through digital banking channels.
• Bausparen (Building Savings Scheme) Home savings scheme combining savings accumulation with subsidized loan eligibility for future residential property purchases.
• Wertpapierdepot (Securities Depot) Securities depot account for holding and managing investments in stocks, bonds, and funds.
• Digitale Vermögensverwaltung (Will) Digital Wealth Management Digital wealth management service providing automated investment management and portfolio advisory for retail clients.
• Bitpanda - Digitale Assets (Digital Asset Investment) Investment access to digital assets including cryptocurrencies and precious metals offered through the Bitpanda platform partnership.
• Pensionsversicherung (Pension Insurance) Pension insurance product distributed through the bank to support retirement planning for private customers.
• Lebensversicherung (Life Insurance) Life insurance product distributed through the bank for financial protection and savings purposes.
• Unfallversicherung (Accident Insurance) Accident insurance product distributed to private customers for personal injury protection.
• Eigenheim- & Wohnungsversicherung (Home and Property Insurance) Home and residential property insurance distributed through the bank for owners of real estate.
• Kfz-Versicherung (Motor Vehicle Insurance) Motor vehicle insurance distributed via the bank covering private cars and other vehicles.
• Rechtsschutzversicherung (Legal Protection Insurance) Legal protection insurance distributed through the bank providing coverage for legal disputes.
• Mein ELBA Online Banking Online banking platform offering account management, transfers, self-service capabilities, and multi-device access for retail customers.
• Mein ELBA-App (Mobile Banking) Mobile banking application providing full banking functionality on iOS, Android, and HUAWEI smartphones for retail customers.
• RaiPay (Digital Wallet) Digital wallet for Android smartphones enabling contactless payments with Raiffeisen cards, card digitalization, and peer-to-peer money transfers to Austrian recipients.
• Raiffeisen JUNIOR-App (Youth Banking App) Mobile banking app for children and youth combining familiar online banking functions with gamified pocket money management features.
• Börse360°-App (Capital Markets App) Capital market application providing real-time financial market information and securities trading capabilities for investors.
• Raiffeisen Mobil (Mobile Tariff) Mobile telecom tariff service offering smartphone plans (S, M, L) with bundled data packages, starting at EUR 9.90 for tariff M with 70 GB, plus unlimited Austria internet for tariff WEB.
• Geschäftskonto (Business Account) Primary business checking account for corporate customers providing payment transactions, card management, and core business banking functionality.
• Jungunternehmer:innen-Konto (Young Entrepreneur Account) Business account specifically designed for young entrepreneurs and newly founded businesses.
• Raiffeisen Infinity Business Banking Business banking portal solution for corporate customers offering advanced online banking features, corporate account management, and digital workflows for businesses.
• Betriebsmittel (Working Capital Finance) Working capital financing product providing businesses with short-term liquidity for ongoing operational needs.
• Investitionen (Corporate Investment Financing) Investment financing product enabling corporate clients to fund capital expenditures and business expansion activities.
• Projektfinanzierung (Project Financing) Project financing product tailored for larger corporate investments and real estate development projects.
• Factoring Factoring product providing working capital through the purchase of accounts receivable for corporate customers.
• Leasing (Corporate) Corporate leasing solution enabling businesses to fund vehicles, equipment, and other assets through lease structures.
• Garantie & Haftung (Guarantees and Bonds) Bank guarantees and sureties for corporate clients to support contractual performance, tenders, and other business obligations.
• Auslandsgeschäft (Foreign Trade Business) Foreign trade and international business banking services supporting cross-border payments and trade finance for corporate customers.
• Express-Überweisung & Empfängerüberprüfung (Express Transfers and Recipient Verification) Express transfer and recipient verification service for corporate customers requiring fast, validated payment processing.
• QR-Code für Rechnungen (QR Invoice Payment Solution) Corporate payment solution enabling businesses to create QR codes for invoices and accept fast digital payments from customers.
• Devisen-Fixing (Foreign Exchange Fixing) Foreign exchange fixing service providing corporate clients with currency hedging and exchange rate certainty for international transactions.
• Firmenkunden Pensionsvorsorge (Corporate Pension Solutions) Pension provision and severance (Abfertigung) solutions for corporate customers, including Vorsorge and Veranlagen products for employees and owners.
• Unternehmensgründung und Unternehmensnachfolge (Business Start-up and Succession Advisory) Advisory and financing services supporting entrepreneurs through business start-ups and ownership succession transitions for SMEs.

Segments7 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration6 records

Feature5 records

Partnerships

Three partnerships are on record, tiered core and minor.

• BitpandacoreTechnology or IntegrationPartnership for digital assets trading services, enabling customers to access cryptocurrency and digital asset investment through the Raiffeisen platform. This integration extends the bank's digital investment offerings beyond traditional securities.
• OeKB (Oesterreichische Kontrollbank)coreTechnology or IntegrationPartnership utilizing OeKB Datahub for ESG (Environmental, Social, Governance) data integration, supporting the bank's sustainable finance initiatives and ESG reporting requirements.
• GarminminorGTM or Marketing PartnerPromotional partnership for a prize draw campaign where customers can win Garmin vívoactive 6 fitness smartwatches when opening a Raiffeisen savings account (Bausparen).

Scale indicators2 records

Recent moves6 records

Expansion highlights7 records

Others

• DKB (Deutsche Kreditbank AG): German direct bank with strong digital platform; not a direct geographic competitor but a comparable in offering low-cost retail and SME banking via digital channels that compete for digitally-native customers.
• N26 GmbH: Pan-European neobank operating in Austria; not a direct regional peer but a digital-first competitor pressing on retail deposits, payments, and consumer banking margins in the same customer base.

Regional players

• Oberbank AG: Upper Austrian regional universal bank with comparable retail, corporate, and private banking focus; similar regional bank business model and digital banking product suite.

Broad incumbents

• BAWAG Group AG: Major Austrian retail and SME bank with nationwide digital and branch presence; overlapping customer base and product suite (accounts, lending, payments, investments).
• Erste Group Bank AG: Largest Austrian banking group and a major competitor across retail, SME, and corporate banking in Austria; competes with RLB Tirol for Tyrolean retail and corporate customers.
• Raiffeisen Bank International AG: Lead entity of the broader Austrian Raiffeisen Banking Group; comparable as the parent network and a broader incumbent offering overlapping retail, corporate, and investment banking services.
• Volksbank Wien AG: Austrian cooperative banking group with retail and SME focus; structurally similar cooperative model and overlapping target customers in retail and small business banking.

Direct peers

• Bank für Tirol und Vorarlberg (BTV): Austrian regional universal bank with strong presence in Tirol and Vorarlberg; directly comparable in business mix (retail, corporate, private banking) and Austrian regional bank economics.
• Tiroler Sparkasse: Regional savings bank serving the Tyrol market with retail, corporate, and municipal banking products; directly competes with RLB Tirol across private and SME segments in the same geography.
• Hypo Tirol Bank AG: Tyrol's other major regional bank, offering retail, corporate, and mortgage banking across the same Innsbruck-centric geography; competes head-to-head with RLB Tirol for Tyrolean customers and businesses.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/channel/UCrb9qrExrzuDR2MEdlsJxsg
• Facebookfacebook.com/raiffeisentirol
• LinkedInlinkedin.com/company/raiffeisen-landesbank-tirol-ag
• Instagraminstagram.com/raiffeisentirol

Compliance3 records

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 Raiffeisen-landesbank Tirol Ag