Looking to access your Raiffeisen E-Banking? Raiffeisen is Switzerland’s largest retail banking network with over 220 cooperative banks serving 3.7 million customers. This comprehensive 2025 guide covers everything about logging in to Raiffeisen E-Banking – from PhotoTAN authentication to mobile app setup, troubleshooting common problems, and security best practices.
Raiffeisen offers digital banking through both computer E-Banking and the Raiffeisen E-Banking mobile app. Their PhotoTAN system is considered one of Switzerland’s most secure authentication methods, though it does have a learning curve. Having trouble logging in? Jump to our troubleshooting section.
Quick Access
How to Log In to Raiffeisen E-Banking
Raiffeisen offers two main ways to access your accounts. The mobile app is recommended for daily use due to faster biometric login.
💻 E-Banking (Computer)
- Go to ebanking.raiffeisen.ch
- Enter your contract number
- Enter your password
- Open your PhotoTAN app or device
- Scan the mosaic code displayed on screen
- Enter the generated code to complete login
Tip: Bookmark the login page to avoid phishing sites.
📱 Mobile App (Recommended)
- Open the Raiffeisen E-Banking app
- Use fingerprint or Face ID to log in
- Alternatively, enter your app PIN
- Access your accounts instantly
Faster: Once set up, mobile login takes 2-3 seconds with biometrics versus 30+ seconds with PhotoTAN on computer.
🔐 PhotoTAN Setup
- Download PhotoTAN app or get physical device from your branch
- Log in to E-Banking with temporary credentials
- Scan the activation mosaic with PhotoTAN
- Create your personal password
- PhotoTAN is now linked to your account
Note: PhotoTAN is required for both web login and transaction confirmations.
Raiffeisen Mobile App: Complete Guide
The Raiffeisen E-Banking app puts full banking functionality in your pocket. Available for both iOS and Android, it handles everything from balance checks to payments and even securities trading.
How to Download and Register
iPhone/iPad:
- Open App Store
- Search “Raiffeisen E-Banking“
- Download and open the app
- Enter your contract number
- Scan the activation code shown in computer E-Banking
- Set up biometric login (recommended)
Android:
- Open Google Play Store
- Search “Raiffeisen E-Banking“
- Install and open the app
- Follow the same activation steps
App Features
- 💰 Account balances and statements
- 💸 Domestic and international payments
- 📊 Transaction history
- 📱 QR code bill scanning
- 📈 Securities and investments
- 💳 Card management
- 🔔 Transaction notifications
- 🏦 Branch and ATM locator
Also available: “my Raiffeisen” companion app for Finanzassistent features, budgeting, and financial overview across all accounts.
⚠️ Known Issues & Common Problems
Based on user reviews from the App Store and Trustpilot (2.2/5 stars), these are the most commonly reported problems with Raiffeisen E-Banking:
🔴 Language Defaults to German: “There is absolutely no way for me to have the language default to either English or French. Every time I login it defaults to German.” The app resets language preferences on each login.
🔴 Contract Number Forgets: “Every second week I need to add the contract number again. Since years Raiffeisen does not seem to care… Not sure why one of the biggest banks in Switzerland cannot solve this.”
⚠️ Balance Updates Delayed: Card payments take up to 3 days to reflect in your balance. “Not very practical for tracking your budget from the app.” Use pending transactions view for real-time tracking.
⚠️ International Payment Restrictions: “It’s not possible to make payments to non-Swiss recipients when outside of Switzerland.” VPN may help, but security blocks may still apply.
💡 Troubleshooting Tips
- App won’t open: Clear cache, uninstall and reinstall the app
- PhotoTAN not working: Ensure good lighting, clean camera lens, hold steady
- Biometrics not available: Check Settings → Apps → Raiffeisen → Permissions
- Login times out: PhotoTAN codes expire after 60 seconds – scan faster
- Contract forgotten: Find it on bank statements or E-Banking contract documents
- Password forgotten: Click “Forgot password” on login page or visit branch
- Account locked: Contact your local Raiffeisen branch to unlock
🔒 Security Tips
- Never share your PhotoTAN device or app with anyone
- Only download the app from official App Store / Play Store
- Always type ebanking.raiffeisen.ch manually – avoid email links
- Enable biometric login to prevent shoulder surfing
- Log out after each session on shared devices
- Report suspicious transactions immediately
- Raiffeisen will never ask for your password via phone or email
Contact Raiffeisen Customer Service
Need help with your Raiffeisen account? Contact your local Raiffeisen bank directly for fastest service – each of the 220+ cooperative banks has its own customer service team.
- Find your local bank: raiffeisen.ch/standorte
- Central Office: Raiffeisenplatz, 9001 St. Gallen
- E-Banking Demo: ebankingdemo.raiffeisen.ch
- BIC/SWIFT: RAIFCH22XXX
Before contacting support, have ready:
- Your contract number
- Personal ID (Swiss ID, passport)
- Account number
- Description of the issue
- Device type (iPhone, Android, computer)
For urgent issues: Visit your local branch in person for immediate assistance.
Frequently Asked Questions
What is PhotoTAN and why do I need it?
PhotoTAN is Raiffeisen’s two-factor authentication system. You scan a colorful mosaic pattern with your phone or dedicated device to generate a one-time code. It’s considered one of Switzerland’s most secure E-Banking authentication methods and is required for both login and transaction confirmations.
Can I use Raiffeisen E-Banking without a smartphone?
Yes, you can get a dedicated PhotoTAN device from your local Raiffeisen branch. This hardware device works the same way as the app but doesn’t require a smartphone. There may be a small fee for the device.
Why does the app keep forgetting my contract number?
This is a known bug that many users have reported for years. As a workaround, some users recommend enabling biometric login immediately after entering your contract number. Raiffeisen has indicated a fix is coming in future app updates.
Can I use Raiffeisen E-Banking abroad?
Yes, you can access E-Banking from abroad. However, making payments to non-Swiss recipients while outside Switzerland may be blocked for security. Contact your local bank before traveling to set up travel notifications.
Why is my balance not updated after a card payment?
Card transactions (Visa, Mastercard) can take up to 3 business days to reflect in your available balance. Check the ‘Pending transactions’ section for real-time visibility of recent card purchases.
How do I reset my E-Banking password?
Click ‘Forgot password’ on the login page and follow the instructions. You’ll need your PhotoTAN device to confirm the reset. If you’ve also lost access to PhotoTAN, visit your local branch with ID to reset everything.
Is my money safe with Raiffeisen?
Yes. Raiffeisen banks are members of esisuisse, Switzerland’s deposit protection scheme, which covers deposits up to CHF 100,000 per customer. Raiffeisen is also supervised by FINMA, Switzerland’s financial regulator.
Why can’t I change the app language permanently?
This is another known bug – the app tends to reset to German on each login. There’s no permanent fix from within the app yet. You can change the language after login, but it may reset on your next session.
How do I contact customer service after hours?
Raiffeisen operates through local cooperative banks, each with its own hours. For card emergencies outside business hours, look for the emergency number on the back of your card. General E-Banking issues typically require waiting for branch opening hours.
Can I have multiple accounts in the same app?
Yes, you can add multiple Raiffeisen accounts to the same app. Each account needs its own activation process, but once set up, you can switch between them easily within the app.
Other Swiss Bank Login Guides
Explore more Swiss banking login guides:
- Appenzeller Kantonalbank login – Cantonal bank E-Banking
- Zurich Cantonal Bank (ZKB) login – Switzerland’s largest cantonal bank
- Basler Kantonalbank login – Basel region banking
- Julius Baer login – Private banking
Summary
Raiffeisen Switzerland offers digital banking through the Raiffeisen E-Banking app and web portal at ebanking.raiffeisen.ch. Authentication uses PhotoTAN – scan the mosaic code with your phone or dedicated device to log in securely.
For the fastest experience, use the mobile app with biometric login (Face ID or fingerprint). Be aware of known issues like language defaulting to German and delayed balance updates for card payments. Contact your local Raiffeisen branch for any issues – as a cooperative network, each bank handles its own customer service.
Last Updated on December 16, 2025
URL: https://log-in.me/raiffeisenswitzerland-stgall-switzerland/