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International Community

Vienna’s international role is multi-facetted: Vienna is the traditional centre for international business relations with Western Europe as well as Central and Eastern Europe, home to many international organisations, including the United Nations Office at Vienna, and the location of diplomatic missions. Austria’s economic stability and tax advantages as well as the expertise of Austria’s largest bank make Bank Austria’s range of services particularly attractive for persons enjoying non-resident status in Austria.

Members of this international community who live in Vienna for professional reasons or have made Vienna the centre of their personal and business relationships make particular demands on their bank. Bank Austria has decades of experience in serving this specific clientele and thus acquired the expertise that make it stand out as the leading financial services provider for Vienna’s international community.

Staff of UN Organisations headquartered at Vienna’s International Center (VIC) as well as of other international organisations of diplomatic status and diplomatic missions require specific financial services in connection with the establishment and maintenance of residences in Vienna. Services to the UN Organisations are provided through the two VIC branches while the Competence Center located in the Schottengasse, in the heart of Vienna, and the Competence Center Rennweg attend to the needs of diplomatic missions.

Conducting all banking transactions in Austria through a Bank Austria Collection Account provides a number of advantages to small and medium-sized businesses with non-resident status. Our Competence Center for International Business Customers has been set up specifically for this group of customers.

Private persons having their main domicile abroad can profit from tax advantages and an attractive range of products offered by Austria’s leading bank and rely on the support provided by the Competence Center for International Private Customers.

International staff of multinational companies likewise have specific requirements where financial services are concerned. Services to this group are provided by the Competence Center for Expatriates.

Contact in the federal provinces

So erreichen Sie uns telefonisch oder per E-Mail
Niederösterreich  Mödling: +43 (0)50505-58757

St.Pölten: +43 (0)50505-

Burgenland 

Oberwart: +43 (0)50505-34371

Eisenstadt: +43 (0)50505-60172 

Oberösterreich  Linz: +43 (0)50505-67213 
Salzburg Salzburg: +43 (0)50505-96341 
Steiermark Graz: +43 (0)50505-93524 
Kärnten 

Villach: +43 (0)50505-32108

Klagenfurt: +43 (0)50505-94680 

Tirol 

Innsbruck: +43 (0)50505-65300

Kufstein: +43 (0)50505-31853 

Vorarlberg 

Bregenz: +43 (0)50505-98524

Riezlern: +43 (0)50505-31000 

Competence Center for International Private Customers

International Private Customers are regarded as non-residents if they have their permanent residence outside of Austria and do not stay in Austria for continuous periods of more than three months.

A good location offers the best opportunities.

As a member of the European Union, Austria enjoys the benefits of participating in the world’s largest market, and it is also one of the safest countries with one of the most highly-developed economies worldwide. Austria was a founding member of European Monetary Union and introduced euro notes and coins as of 1 January 2002.
In addition, its geographic location makes Austria the natural gateway to the countries of Central and Eastern Europe. The economic relationships cultivated with these countries are a basis for excellent opportunities.

A perfect match: our expertise for your investment

In 2002, the country’s most successful banks were united under one brand name.
Today, Bank Austria is not only Austria’s largest credit institution, but also combines the best features of the two banks: Bank Austria stands for continuity in customer relations, a standardised, highly attractive range of products, and many years of experience and expertise in operating in the national and international markets. Jointly with UniCredit, Bank Austria is part of a network of banks which are in the process of creating the financial infrastructure for a united Europe.

We speak your language

At Bank Austria, we do not only have a long history of serving an international clientele but also regard this tradition as a key aspect of our future operations. Therefore, we are always working on developing new services for our customers: these include effective relationship management as well as multilingual teams of advisors for our international customers. In a nutshell, “Excellence in Service” is the governing principle of our corporate policy.

Bank Austria’s employees will be pleased to assist you in defining your personal investment strategy.

Competence Center for International Private Customers 
A-1010 Vienna Schottengasse 6-8
A-1010 Vienna Stephansplatz 2, 5th floor

 

Competence Center for International Business Customers

Rapid globalisation is opening up new growth opportunities for international enterprises. Located at the interface between East and West, Vienna offers the full range of trade-related facilities, from trade relations to cooperation agreements and the establishment of representative offices.

  • Do you export to the EU-countries?
  • Do you have customers in the EU-countries?
  • Do you wish to offer your customers a special service?
  • Are you interested in lower transfer charges?
  • Do you wish to expand your market position in Eastern Europe?
  • Do you expect your bank to deliver first-rate service?

Bank Austria, Austria´s leading bank, has introduced the Competence Center for International Business Customers with a team of specialists. We will be pleased to offer services that will meet your specific requirements. Just let us know what you need!

Competence Center for International Business Customers
A – 1010 Vienna Schottengasse 6-8

Vienna International Center Branch

We are pleased that your career with one of the UN Organisations has taken you to Vienna. Located at the interface between East and West, Austria has much variety to offer in terms of landscapes, culture, business activities and its international role, the impact of which manifests itself in many areas. We hope that you will have the opportunity to see and experience this diversity in as many fields as possible.

For the time being, you may not be familiar yet with the country and the language. However, you may have to take various decisions in connection with the establishment and maintenance of your residence. In such a situation it is important to have a knowledgeable banking partner who is able to offer services that are tailored to your needs.

Bank Austria, the traditional banking partner of the UN organisations headquartered at the Vienna International Center (VIC), has developed a range of services that goes far beyond the conventional.

Conventional banking services include account management, credit cards and electronic banking, which allows you to conduct your financial transactions quickly and easily. If required, our multilingual advisers will assist you by using expertise available within our Group in such areas as real estate, insurance, etc.

Vienna International Center Branch
A-1400 Vienna Wagramer Strasse 5

Competence Center for Diplomatic Missions

Congratulations on the diplomatic assignment that has taken you to Austria. Located at the interface between East and West, Austria has much variety to offer in terms of landscapes, culture, business activities and its international role, the impact of which manifests itself in many areas. We hope that you will have the opportunity to see and experience this diversity in as many fields as possible.

For the time being, you may still have to attend to various matters in connection with the establishment and maintenance of your residence in Vienna. To meet your needs in this regard, Bank Austria, with a long tradition of serving embassies and international organisations, has developed a special package of services, which is offered by our multilingual advisers at the Competence Center Schottengasse in the heart of Vienna.

This package includes conventional banking services such as account management, credit cards, financing, and investments as well as assistance with real estate and insurance matters. Cultural events – for example, those at the Kunstforum – form an integral part of this package.

Competence Center for Diplomatic Missions

A-1010 Vienna Schottengasse 6-8
A-1030 Vienna Jacquingasse 1/Rennweg 20

Competence Center for Expatriates

Congratulations on your new position and your decision to spend the coming years living and working in Austria. Located at the interface between East and West, Austria has much variety to offer in terms of landscapes, culture, business activities and its international role, the impact of which manifests itself in many areas. We hope that you will have the opportunity to see and experience this diversity in as many fields as possible.

For the time being, however, you may require a whole range of services in connection with the establishment and maintenance of your residence in Vienna. To meet these needs, Bank Austria, the traditional banking partner of Austria’s business community, has developed a service package that goes far beyond conventional banking services.

Conventional banking services include account management, credit cards and electronic banking, which allows you to conduct your financial transactions quickly and easily. If required, our multilingual advisers will assist you by using expertise available within our Group in such areas as real estate, insurance, etc.

Competence Center for Expatriates
A-1010 Vienna Schottengasse 6 - 8

In the following you find information about foreign exchange regulations, tax aspects as well as about the legally regulated Austrian banking secrecy

Foreign exchange regulations

International private customers are considered non-residents if their permanent domicile or habitual residence is not in Austria and if they do not stay in Austria for more than three months at a time.

Opening an account:

As an international private customer (non-resident) you may bring foreign money and euros into Austria in unlimited amounts and open current accounts (foreign currency current accounts), numbered accounts and free-euro savings accounts. Borrowing by non-residents from residents in euros and foreign currencies is also permitted.

Overdrafts on free-euro accounts and foreign currency accounts at Austrian banks are only permitted if an overdraft limit has been agreed. Such facilities must be backed by 100 % security provided on cash accounts or securities accounts.

Anonymous investments are not permitted in Austria. For this reason the bank must record your name and address and make a copy of your passport. These data are of course protected by the strict Austrian banking secrecy regulations.

Accounts may be opened personally at selected Austrian competence centers (please refer to branch locator). Please make an appointment to enable us to reserve sufficient time for you.

Retransfer

You may use the balances in your current and savings accounts as you like, there are no restrictions under Austrian foreign exchange regulations. Transfers from Austria to other countries may be made in unlimited amounts. Austrian and foreign money may be taken out of Austria without restriction.

Tax aspects

Non-resident investors enjoy tax exemption in Austria. This applies to Austrian capital yields tax (Kapitalertragsteuer – KESt) and – with a few exceptions – to Austrian income tax (Einkommensteuer – ESt). Take advantage of Bank Austria's competence in the area of investments and as a custodian for your securities.

Banking secrecy

Austria's strict banking secrecy rules are contained in Section 38 of the Austrian Banking Act.

It states that "Credit institutions, their shareholders, members of their executive and supervisory bodies, employees as well as other persons acting for credit institutions may not disclose or make use of secrets which have been entrusted or made accessible to them solely due to the business relationships with customers or pursuant to Section 75, subsection 3 (banking secrecy). If facts that are subject to banking secrecy come to the attention of officials of public authorities or of Oesterreichische Nationalbank in the course of their official activities, they shall keep such banking secret as an official secret from which they may only be released in the instances set forth in subsection 2. The obligation to maintain secrecy shall apply without time limit."

According to Section 38, subsection 2, the obligation to observe banking secrecy does not exist before criminal courts in connection with initiated criminal proceedings, before the authorities in the case of a reasonable suspicion of money laundering, before probate courts in connection with probate proceedings, before the authorities dealing with fiscal violations in the case of penal proceedings instituted because of intentional violations of tax law (with the exception of fiscal minor offences), if a customer has given his/her written consent to disclosure, or in the case of general information on companies usually provided by banks.