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
  • Online banking and Mobile banking
  • 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.

Young woman working with laptop in cafe

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.

List of current accounts
Online account Fee information document
Glossar

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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.

List of current accounts
PerfectFit account Fee information document
Glossar

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.

List of current accounts
Relax account Fee information document
Glossar


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

Debit card (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 debit card (BankCard) 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 (BankCard) 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 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.