Raiffeisenlandesbank Niederosterreich-wien Ag

What Raiffeisenlandesbank Niederosterreich-wien Ag does

Raiffeisenlandesbank Niederösterreich-Wien AG is a regional Austrian cooperative bank that operates under the commercial brand Raiffeisen Stadtbank Wien, serving retail, corporate, and private banking customers across Vienna and Lower Austria as part of the broader Raiffeisen Banking Group. Its functional scope covers current accounts and cards, consumer and mortgage lending, savings and investment products, insurance distribution, and real estate financing, with an explicit retail-customer focus supported by a full lifecycle product set ranging from children's pocket-money accounts (Kinderkonto, JUNIOR-App) through student, apprentice, and youth accounts, to family and senior products. Distribution is omnichannel: physical branches across Vienna, telephone banking (Mon-Fri 7:00-21:00, Sat 9:00-17:00), video consultation (Mon-Fri 8:00-20:00), and the Mein ELBA digital banking platform on web and mobile (iOS, Android, Huawei).

The technology backbone is the Mein ELBA platform, providing unified online and mobile banking with customizable interface, pushTAN transaction authentication, Raiffeisen Express instant transfers, and online account opening in approximately six minutes via ID Austria or official photo ID. The bank has built an ecosystem of third-party integrations rather than proprietary AI: Bitpanda for digital asset trading inside the Mein ELBA app, finleap connect for automated account switching, and multiple mobile payment rails (Apple Pay, Garmin Pay, SwatchPAY!, LAKS Pay, Click to Pay, Bluecode, plus the proprietary RaiPay). Credit cards are issued through Raiffeisen Bank International AG, and a developer portal exists at developer.raiffeisen.at. The Mein Bonus loyalty program rewards multi-product usage across five categories with points convertible to annual cashback.

The business model is multi-stream and subscription-anchored: tiered monthly account fees (Bonus-Konto SMART €2.99/month with 12 months free for new customers, KOMFORT €13.65/month, PREMIUM €23.68/month), credit card subscription fees (Classic €0.70/month, Gold from €70.33/year, Platinum), recurring interest income from a credit product suite (Der faire Credit instant credit, Besser Leben Kredit, Wohnkredit mortgage, student credit, auto leasing, Bausparfinanzierung), and transaction-based revenue from securities, Bitpanda digital assets, gold/coins, and Bausparen. Customer segments span private retail as the primary audience, with corporate, private banking, and real estate as secondary segments. Geographic reach is intentionally limited to Vienna and Lower Austria, and no revenue figure is publicly disclosed.

Name

Raiffeisenlandesbank Niederosterreich-wien Ag

Legal name

Raiffeisenlandesbank Niederösterreich-Wien AG

Website

https://raiffeisenbank.at

Company type

Private

Founded year

1898

Operating status

Operating

Headcount range

1,001–5,000 employees

Short description

Raiffeisenlandesbank Niederösterreich-Wien AG is an Austrian regional cooperative bank serving retail, corporate, and private banking customers in Vienna and Lower Austria through branches and the Mein ELBA digital platform, offering accounts, cards, credit, investments, insurance, and real estate financing.

Ownership category

akta.pro rank

Headquarters

HQ city

Vienna

HQ country

Austria

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Account Maintenance & Service Fees: Monthly account fees from tiered Bonus-Konto models (SMART at €2.99/month, KOMFORT at €13.65/month, PREMIUM at €23.68/month), covering account management, debit/credit cards, and self-service transactions.
2. Credit Products: Interest income from credit products including instant credit (Der faire Credit), housing finance (Besser Leben Kredit, Wohnkredit), student loans, and auto leasing. Credit limits on cards range from €1,400 (Classic) to €10,000 (Platinum).
3. Card Transaction Fees: Revenue from credit card issuance and usage. Classic card at €0.70/month, Gold and Platinum cards with annual fees and optional insurance packages.
4. Investment & Savings Products: Fees and spreads from securities trading, Bitpanda digital asset trading (from €1), gold and coins, building savings (Bausparen), and term savings products.

Pricing tiers

Go-to-market motion2 records

Distribution channels6 records

Marketing channels7 records

Core offering

Raiffeisenlandesbank Niederösterreich-Wien AG is a regional Austrian cooperative bank providing retail, corporate, and private banking services in Vienna and Lower Austria through physical branches, the Mein ELBA digital banking platform (web and mobile), video and telephone advisory, and integrated fintech services. Its offerings span current accounts (Bonus-Konto SMART/KOMFORT/PREMIUM), debit and credit cards (Classic/Gold/Platinum), consumer and mortgage lending, savings and investment products including digital assets via Bitpanda, insurance, and real estate financing.

Product overview

Raiffeisenlandesbank Niederosterreich-Wien AG operates as a regional Austrian bank under the Raiffeisen group, offering a comprehensive suite of retail banking products and services organized around a multi-tiered bonus account architecture. The core product line comprises three Bonus-Konto tiers (SMART, KOMFORT, and PREMIUM) serving different customer segments from digital-first users to full-service customers. The Mein ELBA platform serves as the unified digital banking hub (online and mobile app), complemented by specialized apps including the Raiffeisen JUNIOR-App for children's pocket money management, the Mein ELBA-App for general mobile banking, Börse360° for market information, and RaiPay for mobile payments. Credit products span three tiers (Classic, Gold, Platinum), savings include various vehicles (Online Sparen Fix, Sparkonto, Vermögenssparbuch, Bausparen), and investment services integrate Bitpanda for digital asset trading. The bank also provides insurance products, real estate financing, and operates a loyalty program (Mein Bonus) with tiered rewards. Mobile payment integrations include Apple Pay, Garmin Pay, and other contactless payment solutions.

Differentiator

Problem solved

Functional benefit

Brands

• Mein ELBA: Electronic banking platform and online banking service for customers to manage their finances
• Raiffeisen Junior
• Mein Bonus
• Bonus-Konto
• Bitpanda

Products and services

• Bonus-Konto SMART Entry-level digital current account tier at €2.99/month offering 12 months free for new customers, online banking access via Mein ELBA, 24h self-service, and event/concert discounts through the Vorteilswelt partner program. Targeted at digital-first individual retail customers.
• Bonus-Konto KOMFORT Mid-tier current account at €13.65/month featuring a debit card with Apple Pay and RaiPay, credit card with insurance protection, personal advisory services, and 24h Mein ELBA self-service. Targeted at retail customers seeking banking services with advisory support.
• Bonus-Konto PREMIUM All-inclusive premium current account at €23.68/month featuring two debit cards (Apple Pay and RaiPay), Platinum credit card with partner card, unlimited cash withdrawals, unlimited counter services, and the Raiffeisen JUNIOR children's app. Targeted at families and high-service retail customers.
• Raiffeisen Kreditkarte (Classic / Gold / Platinum) Three-tier credit card line (Visa/Mastercard) issued by Raiffeisen Bank International AG: Classic at €0.70/month (entry-level with credit limit based on creditworthiness), Gold with annual fee from €70.33 (includes comprehensive travel insurance and up to €120 bonus), and Platinum with credit limit up to €10,000 (includes maximum insurance coverage and bonus eligibility). Targeted at retail customers.
• Mein ELBA Online Banking Platform Unified digital banking platform available via web and mobile app, featuring a customizable interface, account overview, direct advisor communication, pushTAN security, Raiffeisen Express instant transfers, and integration with all Raiffeisen accounts, cards, savings, and investments.
• Online Sparen Fix Fixed-term online savings product offering a guaranteed interest rate, one-time deposit, automatic maturity handling, and simple online account opening via Mein ELBA. Targeted at retail savers.
• Online-Kontowechselservice (Account Switching Service) Fully automated account switching service powered by finleap connect that transfers direct debits, standing orders, and payment recipients from the previous bank, can initiate closure of the old account, and completes the switch in minutes. Available to retail customers opening a new Raiffeisen account.
• Mein Bonus Loyalty Program Loyalty program with two components: a Treuebonus (loyalty bonus) rewarding customers for product usage across five categories with points convertible to annual cash credits, and a Kreditkartenbonus (credit card bonus) based on annual Gold/Platinum card spending. Available to holders of a Bonus-Konto.

Quantifiable outcome

• New customers receive 12 months free account management on SMART account
• +2 more outcomes

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration11 records

Feature4 records

Partnerships

Three partnerships are on record, tiered core and minor.

• Bitpanda Financial Services GmbHcoreTechnology or IntegrationPartnership enables Raiffeisen customers to trade digital assets (Bitpanda Stocks, Bitpanda Commodities) directly through the Mein ELBA app. Customers can invest starting from €1. Bitpanda Stocks are derivative contracts, not actual securities. This integration is featured prominently on the Mein ELBA platform as a core investing feature.
• Raiffeisen Bank International AG (RBI)coreChannel Partner/ Reseller/ DistributorRBI issues Raiffeisen credit cards (Classic, Gold, Platinum) which are distributed through the Raiffeisenlandesbank NÖ-Wien branch network and online channels. The bank acts as a distribution intermediary for RBI's card products, with specific bonus and insurance features tied to the bank's loyalty program.
• jö Bonus ClubminorGTM or Marketing Partnerjö Bonus Club loyalty program partnered with Raiffeisen Wien allowing customers to collect 'Ös' (bonus points) when paying with their Raiffeisen debit card, redeemable for discounts and partner benefits.

Scale indicators2 records

Recent moves6 records

Expansion highlights6 records

Emerging players

• N26 GmbH: Germany-headquartered digital challenger bank with a strong Austrian customer base; competes directly for digital-native retail customers by offering mobile-first current accounts at significantly lower overhead than branch-based incumbents.
• DKB (Deutsche Kreditbank AG): Germany-headquartered direct/digital bank; comparable as a digital-first retail and consumer credit provider challenging incumbents in the DACH region, including Austria's retail banking market.
• Revolut Ltd: UK-based digital challenger expanding aggressively across Austria; targets retail and SME customers with multi-currency accounts, payments, and trading—competing for the same digitally-engaged customer segment as Mein ELBA.

Direct peers

• Volksbank Wien AG: Austrian cooperative retail bank serving the Vienna region with a similar member-based structure, branch network, and retail/commercial product mix to Raiffeisenlandesbank NÖ-Wien.
• BAWAG Group AG: Major Austrian retail and SME bank with a hybrid digital-plus-branch model (Smart, Komfort, Premium account tiers) and Mein Bonus-style loyalty programs, closely mirroring Raiffeisenlandesbank NÖ-Wien's go-to-market approach.
• HYPO NOE Landesbank für Niederösterreich und Wien AG: State/regional bank serving Lower Austria and Vienna, offering comparable retail, mortgage, and corporate banking products and competing head-to-head with Raiffeisenlandesbank NÖ-Wien in its core geographic markets.

Broad incumbents

• UniCredit Bank Austria AG: Austrian subsidiary of UniCredit, one of the largest banks in the country, offering full-service retail, SME, and corporate banking with a digital platform competing for the same Vienna customer base.
• Erste Group Bank AG: One of the largest retail and commercial banking groups in Austria and Central/Eastern Europe, with full-service retail, corporate, and wealth offerings directly comparable to Raiffeisenlandesbank NÖ-Wien's core product suite.
• Raiffeisen Bank International AG (RBI): Listed sister company within the Raiffeisen group; partner and credit card issuer for Raiffeisenlandesbank NÖ-Wien, providing a direct reference point on group structure, pricing, and digital banking capabilities.

Regional players

• Oberbank AG: Austrian regional universal bank headquartered in Linz with retail, corporate, and private banking offerings; comparable in product breadth and cooperative-style distribution but operating outside Vienna/Lower Austria as primary geography.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights6 records

Customer concentration

• Xtiktok.com/@raiffeisennoewien
• YouTubeyoutube.com/user/raiffeiseninwien
• Facebookfacebook.com/raiffeisenwien
• LinkedInlinkedin.com/company/raiffeisenlandesbank-niederoesterreich-wien
• Instagraminstagram.com/raiffeisenwien

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 Raiffeisenlandesbank Niederosterreich-wien Ag