24You

The new online banking of Bank Austria.

OnlineBanking & BusinessNet

The familiar online banking for private customers and companies.

Bank Austria has the right accounts for everyone

The best part: the free account switching service. From switching banks to modifying your transfers - we do it all for you.

Account types

Whether you transfer money only occasionally or do banking transactions every few minutes, Bank Austria has the suitable account package for you. From the mobile online account with the customised Perfect-Fit to the flat rate Relax account at a fixed price - they all offer you the most modern way of banking. What’s more, the account switching service is free From switching banks to modifying transfer details, we do it all for you.

Irrespective of which account package you go for, you will automatically have the following functions:

  • Debit card (BankCard) with Maestro limit
  • OnlineBanking and MobileBanking
  • Electronic bank statements
  • Cashback to your account
  • Bank Austria Ticketing with up to 20% reductions for many events every year

All the information on account maintenance charges is given in the account price sheet.

Woman with a laptop

Online account
from EUR 2.03/ month

The modern variant for anyone who is on the go but always connected to the internet. All online payments are free and you can easily manage banking transactions via smartphone, laptop or tablet. To top it all, you also get cashback.

  • All online payments are free, except for payments in foreign payment transactions.
  • EUR 3.06 service charge for certain transactions.
Man with a beard

PerfectFit account
from EUR 4.07 / month

For “infrequent users” & cash payers: only pay for what you really need. Your entries are calculated individually. Suitable for anyone who only needs a few standing orders and rarely withdraws money from the register - including cashback.

  • Individually calculated entries.
  • EUR 1.53 service charge for certain transactions.
A couple lying in a hammock

Relax account
from EUR 8.16 / month

The account at a fixed price - for anyone who wants to take it easy. This includes everything: all entries free of charge, intensive use, branch visits, fixed prices. With the Relax account you can also enjoy all the advantages of cashback. The account at a fixed price

  • All inclusive.

Use our account switching service

Just select the account suitable for you, we will do the rest for you quickly and for free.

  • We will contact your previous Austrian bank.
  • We will open your new Bank Austria account.
  • We will ask for all the necessary information from your transaction partner, e.g. standing orders, salary/pension transferring points, recurring credit entries.
  • We will arrange your standing orders and inform your transaction partner.
  • If you want to inform your transaction partner on your own, we will provide you with sample letters.
Athlete jumps from one point to the next.

FAQs

BankCard with Maestro function

The bank card combines a number of functions that can be individually adapted to your wishes and requirements.

Services of the bank card with Maestro function

  • Cashless payments or withdraw cash worldwide
  • Contactless payments up to EUR 25 without having to enter the PIN
  • Using self-service devices in the lobbies of Bank Austria
  • Charge prepaid mobiles at any ATM
  • Membership card for customer clubs of other companies
  • Pay online with Maestro SecureCode

On the bank card for visually impaired persons, personal information is printed in extra large font.

GeoControl

Generally, Austrian banks have very high security standards for Maestro ATM cards. However, one of the most common crimes is so-called “skimming”. At manipulated ATMs, the magnetic stripe of the card is copied and the PIN is captured. With the stolen data, cash withdrawals are made outside Europe.

The most important questions and answers about GeoControl

What is GeoControl?

GeoControl enables the cardholder to do cash withdrawals when he or she wants with a debit card (bank card) with Maestro-Limit even in regions outside Europe for which GeoControl would have normally prevented a cash withdrawal.

What are the advantages of GeoControl for me?
• More security – withdrawals with skimmed cards (card data is copied at ATMs and superimposed on another card) in high-risk countries are thus prevented.
• Reduced hassle and time-consuming measures such as giving a statement to the police, notification of claim, blocking the card etc.
• No need to reorder the card and memorise a new code
• Comfortable, simple, fast and enable the card worldwide anytime

What changes for me with the GeoControl function?

If you are planning a trip outside Europe and selected countries and want to have an unlimited card limit, please activate your bank card before your trip by deactivating the GeoControl function for the duration of your stay abroad.

How can I activate my card for cash withdrawals in countries outside Europe and the selected countries?
• In online banking under “Cards” in the detail display of the selected card
• Using our 24h ServiceLine 050505-25, available daily, around the clock
• With the help of your customer adviser

What is skimming?

With skimming, the magnetic stripe of the bank card is copied at manipulated ATMs and the PIN is captured. With the stolen data, fraudsters can make improper withdrawals abroad.

How much does the GeoControl function cost?

Of course, the GeoControl function is free of charge.

In which countries does my bank card work without activation?

You can use your bank card in the following countries without limit, without having to deactivate GeoControl.

Albania, Azerbaijan, Armenia, Andorra, Belgium, Bosnia-Herzegovina, Bulgaria, Denmark, Germany, Estonia, Finland, France, French Guiana, Georgia, Gibraltar, Greece, Greenland, United Kingdom, Guadeloupe, Ireland, Iceland, Israel, Italy, Kazakhstan, Kyrgyzstan, Kosovo, Croatia, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Martinique, Macedonia, Moldova, Monaco, Montenegro, Netherlands, Northern Ireland, Norway, Austria, Poland, Portugal, Reunion Island, Romania, Russia, San Marino, Sweden , Switzerland, Serbia, Slovakia, Slovenia, Spain, St. Helena, Tajikistan, Czech Republic, Turkey, Turkmenistan, Ukraine, Hungary, Uzbekistan, Vatican City, Belarus, Cyprus

How can I make cash withdrawals if I am already abroad?
• In online banking under “Cards” in the detail display of the selected card
• Using our 24h ServiceLine 050505-25, available daily, around the clock
• Via phone with the help of your customer adviser

Where can I see if the GeoControl function of my card is enabled or disabled?

In online banking under “Cards” in the detail display of the selected card, you can see if GeoControl is enabled for that card.

How can I re-enable the GeoControl function in online banking?

In your online banking under “Cards” in the detail display of the selected card you can enable it.

For how long can the GeoControl function be disabled?

For your own security, the GeoControl function can be disabled for a maximum of 3 months. For a longer stay abroad, the disabling must be done again after 3 months. If you intend to stay abroad for an even longer duration, please contact your customer adviser.

How can I again block a country for cash withdrawals?

The GeoControl function is activated automatically again when the “end date” is reached. Alternatively, you can activate GeoControl anytime again even before the set date.

Maestro SecureCode

Pay online with Maestro SecureCode

Below we have answered FAQs for you on this topic.

What is Maestro SecureCode and why do I need it?

It is a payment process which enables secure payments on the internet. To be able to pay on the internet with the BankCard/MegaCard, you must register for the Maestro SecureCode payment process in online banking or BusinessNet.

Where can I pay with Maestro SecureCode?

With Maestro SecureCode, you can make payments with your debit card (BankCard/MegaCard) on the internet with a very secure connection to all merchants that offer this payment mode.

How can I register for the Maestro SecureCode payment process?

The registration can be done only in online banking or BusinessNet.
• As usual go to online banking or BusinessNet.
• In the menu select “Cards”/“Bank cards”.
• Click on the desired BankCard/MegaCard and then click on the button “Activate Maestro SecureCode”.
• Enter your personal security message.
• The mobile phone number on which you will receive the text message with the SecureCode in the future for approval of a payment on the internet, is the already saved mobileTAN phone number.
• Read and accept the conditions.
• Confirm the registration by entering a mobileTAN.
• Now you can pay online with your BankCard/MegaCard.

How much does it cost to use Maestro SecureCode?

The registration/changes/disabling in OnlineBanking or BusinessNet and usage are free.

How can I pay online with my bank card?

This is how easily you can pay in the web shop:

  • In the web shop select the payment option “Maestro”.
  • Enter the 19 digit card number, the expiry date of the card and the 3 digit security code (CVC2).
  • The SecureCode window opens automatically with the following contents: ◾Display of Bank Austria Logo
  • Merchant name
  • Payment amount
  • Date
  • 19 digit card number
  • The security message chosen by you
  • At the same time you will receive a text message with the SecureCode. This code is valid for 5 minutes.
  • After checking all the data, type the code in the window.

Your payment is complete.

Where can I find the card number?

The card number has 19 digits and is given on the back side of the BankCard/MegaCard.
This 19-digit card number must be entered for every internet payment.

What is the meaning of CVC2 and where can I find it?

This code has to be specified for most internet payments and it stands for Card Validation Code. This three digit security number is given on the back side of the card. Another term for it is CVV (Card Verification Value).

I don’t have the card number and CVC2 on my card. What should I do?

The 19 digit card number and a 3 digit security code (CVC2) are given on the backside of the card.
It is possible that on old cards these details are not given. If you can’t find these details on the back of the card, you can apply for a new card.

How can I disable Maestro SecureCode?

This change can be done only in online banking or BusinessNet.

  • As usual go to online banking or BusinessNet.
  • In the menu select “Cards”/“Bank cards”.
  • Click on the desired BankCard/MegaCard and then click on the button “Disable Maestro SecureCode”.
  • Confirm the disabling by entering a mobileTAN.

What happens if I lose the card?

If the card is lost or stolen, it must be blocked immediately.
With the following benefits, a misuse during internet payment can be ruled out:

  • The SecureCode is sent only to the mobileTAN phone number saved by the card holder.
  • For every internet payment the code is generated newly and is valid only for 5 minutes.

Can I block the card and continue to use the SecureCode?

No, that is not possible. As soon as the card is blocked, it is not possible to make online payments with this card.

Can SecureCode be blocked?


Yes, by disabling it. Disabling is equal to a block.

Who is liable for misuse?

Due to regulations, the customer is liable without limitation only in case of intentional or negligent behaviour, otherwise for a maximum amount of €50.

Always take care with your card and your mobile phone on which the code is sent.

  • Protect your card, your mobile phone and your OnlineBanking/BusinessNet from unauthorised access.
  • If you suspect misuse, theft or loss of your card, please block your card immediately using our 24h ServiceLine on: 05 05 05 - 25.
Maestro Service: Conversion of foreign currencies

For clearing cash withdrawals or cashless payments at POS cash registers abroad, the respective amount of foreign currency is converted as follows:

  • national currency units fixed for euros at the respective fixed rate:
  • with currencies of countries that are not members of the European Economic and Monetary Union, see Bank Austria AustroFX-exchange rate.

The Bank Austria AustroFX-exchange rate is determined on the basis of the foreign exchange rate of domestic and foreign banks made available publicly on the internet page www.austrofx.at which is operated by TeleTrader Software GmbH. The Bank Austria AustroFX-exchange rate used is calculated for every foreign currency from the average of all foreign exchange rates shown for that foreign currency on www.austrofx.at, without considering the rate of Bank Austria. For determining a Bank Austria AustroFX-exchange rate, at least 5 rates published on www.austrofx.at (excluding the rate of Bank Austria AustroFX) are required. If fewer rates are available, the reference exchange rate of OANDA Corporation visible on the homepage of PSA Payment Services Austria GmbH www.psa.at is applicable.

The Bank Austria AustroFX-exchange rate can be enquired at a bank or looked up on www.psa.at. The date for the conversion is the day on which the PSA receives the rate. The rate and the date of the exchange rate are informed to the account holder in the format agreed upon with him for receiving notifications.