100 years World Savings Day
Saving remains essential – but how we save is changing
- Saving remains the most popular form of investment, but interest in securities has risen sharply, according to UniCredit Bank Austria's latest Financial Monitor 2025
- Real asset loss could be avoided by investing in securities in recent years
- Attractive offers around World Savings Day - social responsibility is still essential
“Saving is still the most popular form of investment among Austrians. But interest in securities has also increased significantly in Austria, as our latest UniCredit Bank Austria Finanzmonitor shows, especially among the younger generation. Securities have arrived in the centre of society, they have become mainstream,” says Daniela Barco, Board Member for Retail at UniCredit Bank Austria.
Around World Savings Day, UniCredit Bank Austria is therefore offering an attractive investment package for investments of EUR 5,000 or more, whereby 50 per cent of the investment amount is saved in a fixed savings account at 3 per cent p.a. with a term of six months and 50 per cent is invested for the longer term in securities such as funds or asset management.
The UniCredit Bank Austria Financial Monitor 2025
- Saving remains the most popular form of investment at 72 per cent (interest only 53 per cent)
- Interest in securities has risen sharply compared to the previous year with a total of 42 per cent (2024: 35 per cent), 37 per cent of bank customers surveyed actually own securities (2024: 28 per cent), securities savings are particularly popular
- Respondents have more available for saving again in 2025, monthly savings amount increased to EUR 250 per month on average (2024: EUR 200)
The UniCredit Bank Austria Finanzmonitor is a representative study conducted by Marketagent.com among 605 interviewees (bank customers aged between 14 and 69) on the investment behaviour of Austrians. While saving is still the most popular form of investment among Austrians, investing in securities has caught up considerably. Especially among young people. However, interest in securities is significantly higher among men than women, as women continue to be much more risk averse.
Investing in securities brings benefits for savers and the economy
The high inflation of recent years has been a challenge for household assets in Austria. In 2024, Austrian households were still unable to realise any real return on the income and appreciation of their financial assets on average. Over the last ten years, there has even been an annual loss of around 2 per cent per year. The reason for this is and was the high proportion of deposits in bank accounts and savings deposits, which generated an average real loss after capital gains tax of 2 per cent in 2024, and even 3 per cent per year on average over the last ten years.
An investment in securities yielded an average real gain of 2.5 per cent after capital gains tax in 2024 and, on average over the last ten years, real assets were preserved despite high inflation of over 30 per cent. In the long term, the real value of assets has been preserved by investing in securities despite the inflation shock of recent years and difficult market developments. This is also to be expected in the future; investing exclusively in savings deposits will not succeed in the coming years, despite higher interest rates today than before 2022.
Special offers around 100 years of World Savings Day
We invite all our customers to consultation appointments around World Savings Day and especially on World Savings Day on 31 October 2025 to discuss the opportunities for promising investments and to review existing investments. World Savings Day is taking place for the 100th time this year and is still very popular. We are celebrating this anniversary with our special offers and conditions relating to World Savings Day. The GoGreen account, for example, is available to new customers until 10 November with 100 weeks of free account management.
UniCredit Bank Austria is offering attractive conditions for the fixed savings account around World Savings Day: 1.75 per cent p.a. with a six-month commitment. All customers who open a new fixed savings account in the MobileBanking app or in 24You InternetBanking during the campaign period until 10 November will be entered into a prize draw to win ten EUR 100 anniversary bonuses. In addition, top savings interest rates of 2 per cent p.a. with a term of six months apply to new investments.
Social responsibility is still essential
In order to help people in need, we have once again decided to join forces this year and dedicate our spending on World Savings Day exclusively to important charitable causes. As the main partner, we are therefore once again supporting the major charitable campaign “A spark of warmth” in cooperation with Caritas, which helps people at risk of poverty who can no longer afford their energy and heating costs. We also donated another 10,000 euros to CliniClowns.
Attractive offers for children and young people
New customers between the ages of 7 and 20 will receive a 40-euro voucher from partners such as H&M, Zalando, Google Play, Media Markt and many more when they open a MegaCard youth account by 30 November. Students who sign up for a free student account as new customers will receive a 70-euro welcome voucher from H&M, Zalando, Amazon, Media Markt, DAZN and many more.
UniCredit Bank Austria is offering a particularly attractive World Savings Day savings account for children up to the age of 14 with 3.75 per cent interest p.a. and a fixed interest rate for 12 months until 10 November. The savings accounts for young people and students offer 2 per cent p.a. with a term of 12 months and the additional chance to win a 100-euro anniversary bonus.
You can find our current offers here:
World Savings Day
MegaCard - youth account for everyone aged between 7 and 20
Open a student account with free account management
GoGreen account - the sustainable current account
Enquiries:
UniCredit Bank Austria Media Relations
Matthias Raftl, Phone: +43 (0) 5 05 05-52809;
e-mail: matthias.raftl@unicreditgroup.at