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Here you will find all legal information at a glance.

General Terms & Conditions

Here you'll find our General Terms and Conditions.

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Data Protection

We view it as our duty to manage your data with the utmost care.

More about Data Protection

Display

Terms & Conditions & Information, Prices & Conditions

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Investment

The Austrian Securities Supervision Act

Changes to the financial markets directive MiFID II.

About th Changes

Basic information sheets

Here you'll find an overview of all Bank Austria products for which basic information sheets are produced as per the legal requirement.

To the Basic information sheets

Guidelines, agreements, laws

Deposit protection schemes & investor compensation

Implementation of the Deposit Protection and Investor Compensation Act (ESAEG).

More about ESAEG

Sustainability-related disclosures

Information on sustainability risks in investment and insurance advice.

About sustainability-related disclosures

Common Reporting Standard Act

An EU directive on the exchange of financial information

To the Common Reporting Standard Act

Accounts register reporting act

All information summarized for you

More information

Glossary VZKDV

Standardization of bank terms due to the The Austrian Consumer Payment Account Services Regulation

To the VZKDV-Glossary

EMIR-Regulation

The European Market Infrastructure Regulation regulates trading in derivatives outside the stock exchange.

To the EMIR-Regulation

PSD2 - Open Banking

Link services from other providers to your account!

More about open banking with PSD2

Austrian Payment Service (PSD)

The Payment Services Directive (PSD) has been implemented as an EU directive for private clients since 2009.

More about Austrian Payment Service

Qualified Intermediary (QI)

All information on the taxation of US securities

More about the Qualified Intermediary (QI)

FATCA

The American tax treaty FATCA was implemented.

More about FATCA

Bank Austria principles

Code of Conduct

UniCredit principles of conduct

To the Code of Conduct

Whistleblowing

Bank Austria set-up a whistleblowing hotline that is based on a UniCredit Group policy.

To the whistleblowing hotline