# Raiffeisen Bank International (RaiPay + myRaiffeisen + CEE Digital Hub)

> Source: https://docs.barcoder.ai/docs/wallets/raiffeisen-bank
> research date 2026-05-30 · extracted at 2026-10-07
> Publisher: Barcoder — encyclopedia of QR, barcode and payment-code standards

Specifications:
- [Raiffeisen Bank International — official](https://www.rbinternational.com/)

## Overview

**Raiffeisen Bank International (RaiPay + myRaiffeisen + CEE Digital Hub)** is **one of the leading business banks in Austria and CEE** + **~17M clients across Austria + CEE** + **~1700 branches mainly in CEE** + **~44,000 employees** + **2025 CEE Digital Hub launch** + **RaiPay 2.8M+ Austrian customers 2023** <sup>[1][1], [2][2], [Austria report](https://docs.barcoder.ai/docs/payments/AT)</sup>. **2025 baseline**: RBI ~17M clients across Austria + CEE + ~1700 branches mainly in CEE + ~44,000 employees + **2025 CEE Digital Hub launch** distinctive RBI strategic pivot to capture region's rapidly growing, digitally-native middle class; **40%+ new retail acquisitions digitally 2024** + **68% new retail customers ranked fully integrated mobile banking experience as their top priority 2024**.

**Distinctive RBI positioning**:
- **One of the leading business banks in Austria and CEE** (Raiffeisen Bank International AG; VSE: RBI)
- **~17M clients across Austria + CEE + ~1700 branches mainly in CEE + ~44,000 employees** distinctive RBI Austrian + CEE banking scale
- **2025 CEE Digital Hub launch** distinctive RBI strategic pivot to capture region's rapidly growing, digitally-native middle class
- **40%+ new retail acquisitions digitally 2024** + **68% new retail customers ranked fully integrated mobile banking experience as their top priority 2024**
- **RaiPay 2.8M+ Austrian customers 2023** distinctive Austrian Raiffeisen mobile payment ecosystem
- **myRaiffeisen** distinctive Austrian Raiffeisen mobile banking platform
- **1927 RBI founding** distinctive Austrian + CEE banking heritage
- **RBI active in 16 CEE countries including Russia (Raiffeisenbank Russia + Russian asset divestment process post-Feb 24 2022 invasion)** distinctive RBI CEE banking footprint

## History

**1927 — RBI founded** as Austrian commercial bank.

**2010 — Raiffeisen Bank International AG formed via merger of Raiffeisen International + RZB-AG corporate banking** distinctive RBI Austrian + CEE banking consolidation.

**2014 — myRaiffeisen mobile banking app launches** as Austrian mobile-first banking.

**2023 — RaiPay 2.8M+ Austrian customers** post-Entrust Digital Card Solutions enabled Raiffeisen Austria payments experience <sup>[3][3]</sup>.

**2025 — CEE Digital Hub launch** distinctive RBI strategic pivot to capture region's rapidly growing, digitally-native middle class <sup>[1][1]</sup>.

**2025 — RBI ~17M clients across Austria + CEE + ~1700 branches mainly in CEE + ~44,000 employees + 40%+ new retail acquisitions digitally 2024 + 68% new retail customers ranked fully integrated mobile banking experience as their top priority 2024** <sup>[1][1], [2][2]</sup>.

## Ownership & operator

**Operating entity**: **Raiffeisen Bank International AG** (VSE: RBI; Austrian + CEE banking group; one of the leading business banks in Austria and CEE).

**Major shareholders**: **Regional Raiffeisen Landesbanken Austria majority controlling + free float + Austrian retail + institutional + foreign investors**.

**Regulators**: **ECB + FMA Austria + national CEE regulators**.

## Technical integration

myRaiffeisen mobile banking app (iOS + Android) + RaiPay mobile payment app + rbinternational.com online + RBI branch network ~1700 mainly in CEE + RBI Visa + Mastercard cards; SEPA + SEPA Instant + EPC-QR + Wero (post-EPI launch); **2025 CEE Digital Hub launch** distinctive RBI strategic pivot to capture region's rapidly growing, digitally-native middle class + **40%+ new retail acquisitions digitally 2024** + **68% new retail customers ranked fully integrated mobile banking experience as their top priority 2024**.

## Users & growth

**2025**: RBI ~17M clients across Austria + CEE + ~1700 branches mainly in CEE + ~44,000 employees + 40%+ new retail acquisitions digitally 2024 + 68% new retail customers ranked fully integrated mobile banking experience as their top priority 2024; **RaiPay 2.8M+ Austrian customers 2023**.

## Use cases

Austrian + CEE retail + private + SME + commercial + corporate banking via myRaiffeisen mobile + RaiPay mobile payment + rbinternational.com online + RBI branch network ~1700 mainly in CEE + Visa/Mastercard cards; SEPA + SEPA Instant + EPC-QR + Wero (post-EPI launch); **2025 CEE Digital Hub launch** distinctive RBI strategic pivot to capture region's rapidly growing, digitally-native middle class.

## Implementations & partners

**Operator**: Raiffeisen Bank International AG (VSE: RBI; Austrian + CEE banking group; one of the leading business banks in Austria and CEE); Regional Raiffeisen Landesbanken Austria majority controlling + free float + Austrian retail + institutional + foreign investors.

**CEE banking subsidiaries** (RBI active in 16 CEE countries including Russia): Raiffeisenbank (Czech Republic) + Raiffeisen Bank Hungary (Hungary) + [Raiffeisen Bank Romania](https://docs.barcoder.ai/docs/wallets/raiffeisen-romania) (Romania) + Raiffeisen Bank Polska (Poland; sold to BNP Paribas 2018) + Raiffeisen Bank Croatia (Croatia) + [Tatra banka](https://docs.barcoder.ai/docs/wallets/tatra-banka) (Slovakia; renamed Tatra banka) + Raiffeisenbank Bulgaria (Bulgaria) + Raiffeisen Bank Serbia (Serbia) + Raiffeisen Bank Albania (Albania) + Raiffeisen Bank Bosnia and Herzegovina (Bosnia and Herzegovina) + Raiffeisen Bank Kosovo (Kosovo) + Raiffeisen Bank Aval (Ukraine; Raiffeisen Bank Aval Ukraine) + Raiffeisen Belarus (Belarus) + Raiffeisenbank Russia (Russia; Russian asset divestment process post-Feb 24 2022 invasion).

**Major European banking competitors**: [Erste Group Bank AG (Austria)](https://docs.barcoder.ai/docs/wallets/erste-group) (Austrian + CEE banking group rival; VSE: EBS; ~16M+ customers across Austria + CEE; George digital banking platform) + [UniCredit + buddybank](https://docs.barcoder.ai/docs/wallets/unicredit) (Italian + CEE banking group rival; BIT: UCG; 21+ countries; ~15M+ customers in CEE) + [OTP Bank (Hungary)](https://docs.barcoder.ai/docs/wallets/otp-bank) (Hungarian + CEE banking group rival; BUX: OTP; 12+ CEE countries) + [BNP Paribas Mes Comptes](https://docs.barcoder.ai/docs/wallets/bnp-paribas) (French global banking group rival; ENXTPA: BNP) + ING (Dutch global banking group rival; ENXTAMS: INGA) + [Deutsche Bank](https://docs.barcoder.ai/docs/wallets/deutsche-bank) (German global banking group rival; FRA: DBK; NYSE: DB) + [Commerzbank](https://docs.barcoder.ai/docs/wallets/commerzbank) (German banking group rival; FRA: CBK).

**Regulators**: ECB + FMA Austria + national CEE regulators.

## Fun facts

- **One of the leading business banks in Austria and CEE** (Raiffeisen Bank International AG; VSE: RBI).
- **~17M clients across Austria + CEE + ~1700 branches mainly in CEE + ~44,000 employees** distinctive RBI Austrian + CEE banking scale.
- **2025 CEE Digital Hub launch** distinctive RBI strategic pivot to capture region's rapidly growing, digitally-native middle class.
- **40%+ new retail acquisitions digitally 2024** + **68% new retail customers ranked fully integrated mobile banking experience as their top priority 2024**.
- **RaiPay 2.8M+ Austrian customers 2023** distinctive Austrian Raiffeisen mobile payment ecosystem.
- **myRaiffeisen** distinctive Austrian Raiffeisen mobile banking platform.
- **1927 RBI founding** distinctive Austrian + CEE banking heritage.
- **RBI active in 16 CEE countries including Russia (Raiffeisenbank Russia + Russian asset divestment process post-Feb 24 2022 invasion)** distinctive RBI CEE banking footprint.

## Comparison

| Feature | Raiffeisen Bank International | [Erste Group Bank AG (Austria)](https://docs.barcoder.ai/docs/wallets/erste-group) (Austrian + CEE banking group rival; ~16M+ customers across Austria + CEE; George digital banking platform) | [UniCredit + buddybank](https://docs.barcoder.ai/docs/wallets/unicredit) (Italian + CEE banking group rival; 21+ countries; ~15M+ customers in CEE) | [OTP Bank (Hungary)](https://docs.barcoder.ai/docs/wallets/otp-bank) (Hungarian + CEE banking group rival; 12+ CEE countries) | [BNP Paribas Mes Comptes](https://docs.barcoder.ai/docs/wallets/bnp-paribas) (French global banking group rival) |
|---|---|---|---|---|---|
| Operator | **Raiffeisen Bank International AG (VSE: RBI; Austrian + CEE banking group; one of the leading business banks in Austria and CEE)** | Erste Group Bank AG (VSE: EBS; Austrian + CEE banking group) | UniCredit S.p.A. (BIT: UCG; Italian + CEE banking group) | OTP Bank Plc (BUX: OTP; Hungarian + CEE banking group) | BNP Paribas S.A. (ENXTPA: BNP; French global banking group) |
| Type | **~17M clients across Austria + CEE + ~1700 branches mainly in CEE + ~44,000 employees + 2025 CEE Digital Hub launch + 40%+ new retail acquisitions digitally 2024 + 68% new retail customers ranked fully integrated mobile banking experience as their top priority 2024 + RaiPay 2.8M+ Austrian customers 2023** | ~16M+ customers across Austria + CEE + George digital banking platform | 21+ countries + ~15M+ customers in CEE | 12+ CEE countries | French global banking group + 65+ countries + 198,000+ employees |
| Country | AT + AL + BA + BG + BY + CZ + HR + HU + KV + MT + PL + RO + RS + SK + UA + RU | AT + CZ + SK + HU + RO + HR + RS + ME + MD + UA | IT + DE + AT + RU + CZ + SK + HU + RO + BG + HR + SI + BiH + RS + 21+ countries | HU + BG + HR + ME + AL + MD + RO + RS + RU + SK + SI + UA + UZ | FR + 65+ countries |
| Distinctive | **1927 RBI founding; 2010 Raiffeisen Bank International AG formed via merger of Raiffeisen International + RZB-AG corporate banking; 2014 myRaiffeisen mobile banking app launch; 2023 RaiPay 2.8M+ Austrian customers; 2025 CEE Digital Hub launch; RBI Russian asset divestment process post-Feb 24 2022 invasion** | 1819 Erste Group founding (Austrian banking heritage); George digital banking platform distinctive | 1473 Rolo Banca founding heritage; UniCredit 1998 merger | 1949 OTP Bank founding (post-Hungarian state-owned bank) | 1848 Comptoir National d'Escompte de Paris founding heritage; 2000 BNP + Paribas merger |

## Status

**Active, one of the leading business banks in Austria and CEE + ~17M clients across Austria + CEE + ~1700 branches mainly in CEE + ~44,000 employees + 2025 CEE Digital Hub launch** <sup>[1][1], [2][2], [3][3]</sup>:
- **Raiffeisen Bank International AG (VSE: RBI; Austrian + CEE banking group; one of the leading business banks in Austria and CEE)** since 1927 RBI founding + 2010 Raiffeisen Bank International AG formed via merger of Raiffeisen International + RZB-AG corporate banking + 2014 myRaiffeisen mobile banking app launch + 2023 RaiPay 2.8M+ Austrian customers + 2025 CEE Digital Hub launch.
- **~17M clients across Austria + CEE + ~1700 branches mainly in CEE + ~44,000 employees**.
- **2025 CEE Digital Hub launch**.
- **ECB + FMA Austria + national CEE regulators**.

## Sources

[1]: https://www.rbinternational.com/en/raiffeisen.html "Raiffeisen Bank International AG — official"
[2]: https://www.rbinternational.com/en/raiffeisen/rbi-group/about-us/our-network/international-network.html "International Network — Raiffeisen Bank International AG"
[3]: https://www.businesswire.com/news/home/20230228005211/en/Entrust-Digital-Card-Solutions-Enables-Raiffeisen-Austria-to-Simplify-the-Payments-Experience-for-Customers-with-RaiPay-App "Entrust Digital Card Solutions Enables Raiffeisen Austria to Simplify the Payments Experience for Customers with RaiPay App — BusinessWire"
[at-cro]: https://docs.barcoder.ai/docs/payments/AT

- [1] [Raiffeisen Bank International AG — official][1]
- [2] [International Network — Raiffeisen Bank International AG][2]
- [3] [Entrust Digital Card Solutions Enables Raiffeisen Austria to Simplify the Payments Experience for Customers with RaiPay App — BusinessWire][3]
- <sup>[Austria report](https://docs.barcoder.ai/docs/payments/AT)</sup> In-corpus: `reports/countries/AT-austria.md`

## Source

Biography extracted from [raiffeisen-bank.md](https://docs.barcoder.ai/source/wallets/raiffeisen-bank). See `matrix.md` for standards-support matrix if present.