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Current Accounts and Cards

Whether frequent users or casual bankers, whether OnlineBanking pros or traditional branch customers: With the new Bank Austria accounts there is a solution for everyone's needs.

Relax Account

The fixed price account for all those who like things easy!

  • Ideal for anyone who uses their account intensively, likes to visit the branch and prefers a fixed rate.
  • With this account, practically everything that you need for day-to-day banking is included.

Account maintenance fee EUR 23.97 per quarter (debited at the end of each quarter, equivalent to 7.99 per month), includes:

  • All accounting entries arising from:
    - Debit.
    - SEPA credit transfers online or via the Account Manager (self-service account statement printer).
    - SEPA credit transfers over the counter or through SmartBanking.
    - Standing orders, pay-outs and direct debits.
    - Transactions with the BankCard in euros.
    - Cash withdrawals from the counter or ATM of Bank Austria.
    - Cash deposits over the counter or through the Cash Manager.
    - Foreign credit transfers (plus fees for foreign payment transaction).
    - Accounting entries triggered by the bank (e.g. account maintenance fees, interest).
  • Standing order changes or cancellations via OnlineBanking, over the cashier's counter and through SmartBanking.
  • Electronic account statements.
  • Account statements from the Account Manager.
  • 1 BankCard with Maestro limit.
  • OnlineBanking inc. MobileBanking app.
  • 24h ServiceLine.

Online Account

Smart and great value for everyone at home on the net!
For those who prefer to manage their transactions on the PC, tablet or smartphone, this account clearly has the edge.

Can only be taken out online.

Account maintenance fee EUR 5.97 per quarter (debited at the end of each quarter, equivalent to 1.99 per month), includes:

  • Automated accounting entries requested online, arising from:
    - Debit.
    - Online SEPA credit transfers.
    - Standing orders, pay-outs and direct debits.
    - Transactions with the BankCard in euros.
    - Cash withdrawals from an ATM of Bank Austria.
    - Cash deposits through the Cash Manager.
    - Foreign credit transfers (plus fees for foreign payment transaction).
    - Accounting entries triggered by the bank (e.g. account maintenance fees, interest).
  • Standing order changes or cancellations via OnlineBanking.
  • Electronic account statements.
  • 1 BankCard with Maestro limit.
  • OnlineBanking inc. MobileBanking app.
  • 24h ServiceLine.

Service fee EUR 3.00 (booked immediately):

  • For any accounting entry arising from:
    - SEPA credit transfers over the counter or through SmartBanking.
    - SEPA credit transfers using the Account Manager.
    - Cash withdrawals from the counter.
    - Cash deposits over the counter if a Cash Manager is available in the branch.
  • For all standing order changes or cancellations over the counter and through SmartBanking.
  • For account statements from the Account Manager.

PerfectFit Account

The account for casual users who only want to pay for the things they really need!

  • Each accounting entry is booked individually.
  • This account is tailored to your needs if you make purchases in cash and only withdraw money from your account on occasion.
  • For those who keep track of their finances and do not use their account as intensively.
  • Each accounting entry is booked individually, which means the account is ideal for you if you only have a few standing orders and only withdraw cash occasionally.

Account maintenance fee EUR 11.97 per quarter (debited at the end of each quarter, equates to 3.99 per month), includes:

  • Accounting entries triggered by the bank (e.g. account maintenance fees, interest).
  • Electronic account statements.
  • Account statements from the Account Manager.
  • Standing order changes or cancellations via OnlineBanking.
  • 1 BankCard with Maestro limit.
  • OnlineBanking inc. MobileBanking app.
  • 24h ServiceLine.

Accounting fee EUR 0.30 (debited at the end of each quarter) for each accounting entry arising from:

  • Credit entries.
  • SEPA credit transfers online or through the Account Manager.
  • SEPA credit transfers over the counter or through SmartBanking.
  • Standing orders, pay-outs and direct debits.
  • Transactions with the BankCard in euros.
  • Cash withdrawals from the counter or ATM of Bank Austria.
  • Cash deposits over the counter or through the Cash Manager.
  • Foreign credit transfers (plus fees for foreign payment transaction).

Additional service fee EUR 1.50 (booked immediately):

  • For any accounting entry arising from:
    - SEPA credit transfers using the Account Manager.
    - SEPA credit transfers at the counter or through SmartBanking.
    - Cash withdrawals from the counter.
    - Cash deposits at the counter if a Cash Manager is available in the branch.
    - Standing order changes or cancellations over the cashier's counter.

Overview of BankCard

The BankCard combines functions which can be adapted to your specific needs and requirements.

Functions

  • Cashless payments and/or cash withdrawals worldwide at POS terminals and ATMs displaying the Maestro logo.
  • Contactless payments up to EUR 25,- without PIN.
  • Using the self banking devices inside the foyers of Bank Austria.
  • Code & Load - preloading of Austrian prepaid-card mobile phones.
  • Presentation at Bank Austria counters.
  • Membership card for the Bank Austria Ticketing service and for customer loyalty schemes operated by other companies.
  • CashBack program.
  • Online shopping with Maestro SecureCode.
  • GeoControl to avoid card misuse.

 

Using Maestro SecureCode for payments in the Internet

Answers to frequent questions concerning Maestro SecureCode:

What is Maestro SecureCode and how can I use it?

Maestro SecureCode is a procedure enabling the user to make secure payments in the Internet. To make payments in the Internet using your BankCard/MegaCard you have to register for the Maestro SecureCode procedure via OnlineBanking or BusinessNet.

Where can I make payments using Maestro SecureCode?

You can use your BankCard/MegaCard for secure payments with Maestro SecureCode in the Internet at all merchants offering the Maestro SecureCode payment procedure.

 

 

 

How can I register for the Maestro SecureCode procedure?

Registering for Maestro SecureCode is only possible via OnlineBanking and BusinessNet.

  •  Log into OnlineBanking or BusinessNet.
  •  Select “Cards” / “Bank Cards” from the menu.
  •  Click on the BankCard/MegaCard you wish to use and then click on the
         “Activate  Maestro SecureCode” button.
  •  Enter your personal security message.
  •  The SMS with the SecureCode for payment authorisation in the Internet will be
         sent to the mobileTAN
         phone number which you previously indicated to the bank.
  •  Read and accept the terms and conditions for Maestro SecureCode.
  •  Confirm your registration by entering a mobileTAN.
  •  Now you can use your BankCard/MegaCard to make payments in the Internet.

What is the charge for use of Maestro SecureCode?

There is no charge for Maestro SecureCode. Registration/modifications/deactivation via OnlineBanking or BusinessNet and use of Maestro SecureCode are free.

How can I use my BankCard to make payments in the Internet?

This is how to make payments in a webshop:

  •  Select the “Maestro” mode of payment in the webshop.
  •  Enter the 19-digit card number, the expiry date of the card and the 3-digit
         security code (CVC2).
  •  The SecureCode window will open automatically
         and display the following content:

- Bank Austria logo

- name of merchant

- amount of payment

- date

- 19-digit card number

- security message selected by you

  •  At the same time you will receive an SMS with the SecureCode.
         The code will be valid for 5 minutes.
  •  Check all the data and then enter the SecureCode in the SecureCode window.

Your payment has been completed. 



Where can I find the card number?

The 19-digit card number is on the back of the BankCard/MegaCard.

This 19-digit card number must be indicated for each Internet payment.

What does CVC2 mean and where can I find it?

CVC stands for Card Validation Code. This is a code which must be indicated for most Internet payments. The three-digit security code is on the back of the card. It is sometimes also referred to as CVV (Card Verification Value).

There are no card number and CVC2 on my card. What am I to do now?

The 19-digit card number and a 3-digit security code (CVC2) are on the back of the card.

Old cards may not yet have these data. If you do not find these data on the back of the card, you can apply for a new card.








How can I deactivate Maestro SecureCodeDeactivating Maestro SecureCode is only possible via OnlineBanking or BusinessNet.

Deactivating Maestro SecureCode is only possible via OnlineBanking or BusinessNet.
  •  Log into OnlineBanking or BusinessNet.
  •  Select “Cards” / “Bank Cards” from the menu.
  •  Click on the relevant BankCard/MegaCard and click on
         “Deactivate Maestro SecureCode” button.
  •  Confirm the deactivation by entering a mobileTAN.

What will happen if I lose my card?

If the card is lost or stolen, you must have it blocked immediately.

The Maestro SecureCode procedure offers the following advantages preventing misuse of a card for Internet payments:

  •  The SecureCode is only sent to the mobileTAN phone number
          previously indicated by the cardholder.
  •  A new SecureCode is generated for each Maestro SecureCode Internet
         payment and valid 5 minutes.

Can I block the card and continue to use SecureCode?

No, this is not possible. Once the card is blocked, it can no longer be used to make Internet payments.

Is it possible to block SecureCode?

Yes, by deactivating it. Deactivation has the same effect as blocking.

Who will be responsible in case of misuse?

Under the applicable legal provisions, the customer will have unlimited liability only for intent and gross negligence; otherwise, the customer’s liability will be limited to a maximum of €150.

  •  Keep your card and your mobile phone to which the SecureCode
         is sent in a safe place at all times.
  •  Protect your card, your mobile phone and your OnlineBanking/BusinessNet
         against unauthorised access.
  •  If you suspect misuse of your card, or if your card is lost or stolen, arrange
         for your card to be blocked immediately by our 24h ServiceLine on 050505 25
         (for international calls: 0043 50505 25).
Not applicable for non-residents. .