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All about payment transactions

Experience, flexibility and technical know-how are important when dealing with payment transactions. 
In addition to a range of standard solutions, we also offer you a variety of custom-configurable service packages. Innovative developments, high quality and safety standards as well as transparent pricing to ensure your flexibility.

Structured addresses will be mandatory for SWIFT and SEPA payments starting in November 2026

As part of global payment modernization under ISO 20022, only structured postal addresses will be permitted for SWIFT, SEPA, and Euro Express transfers starting in November 2026. Unstructured free-text entries will be rejected. This change affects all personal and business customers who send or receive SEPA, international payments, or Euro Express transfers.

Find out more here

ISO Migration

UPDATE 2026: Mandatory use of structured address data in payment orders starting in November 2026

Find out more

International account management

Control your finances worldwide: you can initiate automatic account transfers, complete your financial status and send electronic account statements from foreign banks.

International account management

Automated payment transactions

Bank Austria's Electronic Banking Products are the ideal tools for taking the liquidity management of your company into your own hands.

To automated payment transactions

Foreign payment transactions

Take advantage of our many years of experience and expertise, as well as the low-cost intra-EU payments within Europe.

Low-priced foreign transactions

Instant credit transfer

Instant credit transfer is a type of transfer, which allows you to make or receive a payment within just 10 seconds.

More about instant credit transfer

Virtual Accounts

With UC Virtual Accounts you can optimize and automate your payment transactions and account management.

To the Virtual Accounts

SEPA

Information on the Single European Payments Area

Read more about SEPA

Acceptance deadlines

Inform yourself about the acceptance times for electronic payment orders.

To the acceptance deadlines

Payment Services Act

The Payment Service Directive (PSD) contains the principles for the standardisation of European payment transactions. It applies to all currencies within the defined scope of ZaDiG 2018.