Question 1

What is Sparkasse Ried im Innkreis?

Accepted Answer

Sparkasse Ried im Innkreis (officially Sparkasse Ried im Innkreis-Haag am Hausruck) is a regional Austrian savings bank headquartered in Ried im Innkreis, Upper Austria. As part of the Austrian Sparkassengruppe, it provides comprehensive banking services to private customers, businesses, and public institutions throughout the Innviertel region. The bank operates as an independent institution and is a member of the First Bank Group, Austria's largest banking group.

With total assets of approximately 513 million EUR as of 2023, it employs around 100 staff members.

Question 2

When was Sparkasse Ried im Innkreis founded?

Accepted Answer

The Sparkasse der Stadt Ried im Innkreis officially opened on December 31, 1866, with its first business year beginning on January 1, 1867. This occurred exactly ten years after Ried received city status. Although the official opening took place on December 31, no money transactions were conducted on that day.

The bank emerged from efforts to bring the savings bank movement to the Innviertel region, following the establishment of the "Verein der ERSTEN Österreichischen Spar-Casse" in Vienna in 1819. In 1980, the Sparkasse Ried im Innkreis merged with the Sparkasse Haag am Hausruck to form the current Sparkasse Ried-Haag.

Question 3

Where is Sparkasse Ried im Innkreis headquartered?

Accepted Answer

The bank is headquartered in Ried im Innkreis, Upper Austria, Austria. Its main office is located at Marktplatz 1.

Question 4

Where does Sparkasse Ried im Innkreis operate?

Accepted Answer

Sparkasse Ried im Innkreis operates throughout the district of Ried im Innkreis and the municipality of Haag am Hausruck in Upper Austria. The bank maintains multiple branches throughout its service area in the Innviertel region. In November 2007, the bank relocated to a new modern building at the Marktplatz, equipped to meet all contemporary banking requirements.

Question 5

What services does Sparkasse Ried im Innkreis offer?

Accepted Answer

The bank offers comprehensive retail banking services including current accounts, savings accounts with interest rates up to 2%, time deposit accounts, debit cards, credit cards, and pension plans. It provides consumer loans, car loans, mortgage loans, and housing savings products.

For business customers, the bank offers commercial accounts, business payment cards, and business financing solutions for small and medium-sized enterprises. Insurance products are available through partnerships with affiliated companies.

Digital banking is provided through George, Austria's most advanced online banking platform, accessible via web browsers and mobile apps for smartphones and tablets. The platform includes investment features (George Invest), budgeting tools, and financial calculators.

Question 6

What makes Sparkasse Ried im Innkreis unique?

Accepted Answer

Since its founding in 1866, Sparkasse Ried-Haag is one of the few remaining independent Innviertel savings banks. Most other regional savings banks merged with larger institutions in Linz or Salzburg during the 1990s. The bank has maintained its independence and local character for over 150 years.

The bank has a strong tradition of community support, regularly donating to public projects under Section 22 of the Austrian Savings Bank Act. Supported projects have included the construction of the gymnasium, the new town hall, the city's sewage system, the introduction of telephone services, and the Sparkassen-Stadtsaal (city hall).

The bank operates under George, considered Austria's most modern banking platform, offering state-of-the-art digital services while maintaining a strong local presence.

Question 7

What type of financial institution is Sparkasse Ried im Innkreis?

Accepted Answer

Sparkasse Ried im Innkreis is a savings bank (Sparkasse), which is a distinct institutional type under Austrian banking law. As a member of the Austrian Sparkassengruppe, it operates as an independent regional institution with its own governance structure.

The bank is part of the Erste Group and participates in the Sparkassen-Haftungs GmbH (s-Haftungs), Austria's deposit guarantee scheme. Deposits up to 100,000 EUR per depositor are protected. Austrian Sparkassen are characterized by their regional focus, community orientation, and commitment to supporting local economic development.

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