Your debit card (BankCard)

Your card is currently in the so-called cool-down period. The cool-down period begins when you enter the wrong PIN a fourth time and ends at midnight on the following calendar day. After that, your card will be reactivated and you will have another chance to enter the correct PIN. If you enter the correct PIN, your card will be unlocked and can be used again as normal. If you enter the wrong PIN again, a second cool-down period will begin. If three cool-down periods follow immediately after one another without the PIN being entered correctly in the meantime, your card will be blocked and withdrawn. In this case, you will need to have your card unblocked at a branch. You will need photo ID to do this.

If you suspect misuse, theft, or loss of your debit card, please block it immediately. You can do this in the following ways:

If your card has been blocked due to entering the wrong PIN several times, for security reasons you can only try to enter your PIN correctly again after 48 hours. If your card has been blocked for any other reason, the block can no longer be removed for security reasons. You can reorder your debit card in your 24You online banking under the menu item › Current accounts. 

Please note that there is a charge for ordering a replacement card and if you have forgotten your PIN, you can simply retrieve it in 24You online banking or in the MobileBanking app. Alternatively, you can reorder the code in a branch. 

If you have forgotten the PIN for your debit card, the quickest way to retrieve it is via your 24You online banking or MobileBanking app. 

For security reasons, the PIN for your debit card cannot be changed. If you have forgotten your PIN, you can simply retrieve it in 24You online banking or in the MobileBanking app. Alternatively, you can reorder the code at a branch. 

Yes, as a Bank Austria customer you can withdraw money free of charge from other ATMs.
This also applies to payments at payment terminals and online payments.

Note: For some transactions, the operators of the ATMs or payment terminals may charge fees. These will be indicated on the terminal display. Please check this before withdrawing or making a payment. 

Here is an overview of the costs: 

• Within Austria and the EU (in EUR) as well as in Sweden (in SEK): Free of charge.
• Abroad (in other currencies or in EUR outside the EU): 2.30 euros plus 0.80% of the amount withdrawn per transaction.
• Debit card payments:
  • Within Germany and the EU (in EUR) as well as in Sweden (in SEK): Free of charge
  • Abroad (in other currencies or in EUR outside the EU): 1.40 euros plus 0.80% of the payment amount per transaction.

You can use your debit and credit cards without restriction in the following countries and territories, without having to deactivate GeoControl:
Albania • Azerbaijan • Armenia • Andorra • Belgium • Bosnia and Herzegovina • Bulgaria • Denmark • Germany • Estonia • Finland • France • French Guiana • Georgia • Gibraltar • Greece • Greenland • Great Britain • 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 • Réunion • Romania • Russia • San Marino • Sweden • Switzerland • Serbia • Slovakia • Slovenia • Spain • St Helena • Tajikistan • Czech Republic • Turkey • Turkmenistan • Ukraine • Hungary • Uzbekistan • Vatican City • Belarus • Cyprus.

Cash transactions within the EU in euros and in Sweden in Swedish kronor are free of charge. The fees for cash transactions at ATMs and cashless payments in other currencies or outside the EU can be found in our notice under Prices & Conditions, Account & Credit Card in the document “Service and Debit Cards” under the heading “Individual services for our service and debit cards”.

The Mastercard Identity Check procedure will be automatically lifted after 12 hours. To have it lifted earlier, please contact the Online banking hotline: +43 (0)5 05 05-26100.

With the debit card, you can make secure payments online at all retailers that accept Mastercard.
To make these payments, you need to enter the 16-digit card number/PAN (on the back of the card), the 3-digit verification number (on the back of the card), and your personal details on the online retailer's payment page. Here you will find an image of the front and back of the card with an explanation.

To verify the card payment, the online retailer sends a request to the bank in the background. The customer is then prompted via the MobileBanking app to approve the payment using biometrics (fingerprint/Face ID) or ATC (authorization code).

This confirms the payment by the bank and completes the purchase.

The Mastercard Identity Check procedure can be deactivated in the MobileBanking app and in 24You Online banking.
This does not affect your ability to make payments at POS terminals or withdraw cash from ATMs.

You can deactivate the Mastercard Identity Check procedure in the MobileBanking app and in 24You Online banking, or contact your customer service.

Yes, of course. You can reactivate your debit card for online card payments in the MobileBanking app, in 24You Online banking or by contacting customer service.