Help on how to use the app
Here you will find useful information on the functions of your MobileBanking app and how you can settle your banking transactions in a simple and straightforward manner.
You will also find descriptions for many topics in the MobileBanking app: click on your profile icon or your initials › Help
Your payments
Making a transfer: Payments › New Payment › Credit transfer › Complete order › Check › Go to signature
Photo transfer or transfer with a QR code scan: Payments › Photo payment & QR code Payment › Take photo of payment slip › Check › Go to signature
Setting recurring payments with a standing order: Payments › New standing order/overview of standing orders › New standing order › Complete standing order › Check › Go to signature
Changing or cancelling a standing order: Payments › New standing order/overview of standing orders › Overview of standing orders › Select standing order › Change or cancel › Check › Go to signature
Share your own account details via QR code: Create the QR code under › Products › Accounts (select account) › Services › Generate QR cede
If you need cash. ATM finder: More › ATM locator
Topping up the prepaid credit
With onlineaufladen.at you can buy prepaid credit in the MobileBanking app for yourself or for friends and family: quickly, safely and at no additional cost!
Offers › Benefits and prize draws
The E-Statement
Free of charge and accessible for 7 years at any time
With the electronic account statement, you always have a clear overview of your account transactions—whether directly in your MobileBanking app or on your computer. Simply activate your e-statement in 24You Online Banking.
Your benefits:
- All incoming and outgoing transactions in one place
- Convenient search function for quick transaction lookups
- Accessible anytime – on the web or in the MobileBanking app
- Securely archived for 7 years, available for download anytime
- Free of charge – and you save on postage fees
- Less paper, more environmental protection: thank you for your contribution!
It’s that easy:
First, activate your e-statement in your 24You Online Banking under My 24You › Services › E-Statements tab.
Starting with your next account statement, you can then access it anytime in the app under Account › Services › E-Statements Details.
FAQs on signing orders and transfers
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Why does the time shown on my smartphone have to be correct for the creation of a mobile token?
A mobile token is inter alia created with a time and date stamp which are verified by the server. If the divergence of these data is too great, the generated mobile token is invalid. This is why it is important for the date and time on your smartphone to be correct. We recommend you change the setting to automatic time updates.
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What is the mobile token in the MobileBanking app?
The mobile token is a cryptographically generated code created on the smartphone by the MobileBanking app for the purpose of authorising transactions. The cryptographic keys used are directly linked to the smartphone and securely protected. The mobile token is additionally protected by the Authorisation Code (ATC) selected by you. There are two versions of the mobile token. In the first version, when signing in the app, the token is calculated in the background and transmitted hidden from the user. For certain transactions, the mobile token can also be displayed and entered manually in the application (e.g. when changing to a new primary device).
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Can I change my ATC code?
You can change your ATC in the MobileBanking app’s security settings. Tap › Your initials (or your icon) › Settings › Security and devices › Change ATC.
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Is the ATC as secure as MobileTAN Push?
Absolutely. Different mechanisms are used, but both result in a secure signature. During authorisation with the ATC, your previously registered smartphone uses keys stored on the device to generate a mobile token that is compared between the app and the bank’s servers in the background. The ATC serves as an additional security feature.
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When do I need the ATC and when do I receive a MobileTAN?
The authorisation code (ATC), used to authorise transactions within the app, provides additional protection for the technical signature which is generated in the background for every order. A push message is then no longer required in the app. The bank’s server will continue to generate a TAN for orders in 24You, which you will receive with a push notification.
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What is the ATC code?
The authorisation code (ATC) is a 6 to 10-digit number created by you when setting up the Bank Austria MobileBanking app and which is known only to yourself. You need the ATC to authorise transactions such as transfers within the app. Please keep your ATC secret and memorise the code.
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I have forgotten my ATC, what can I do?
You created the Authorization Code (ATC) during the app activation process. You can reset your ATC in the MobileBanking app’s security settings. Please tap › Your initials (or your icon) › Settings › Security and devices › Change ATC › Reset ATC.
If you don't yet have a debit card with a new card authenticity certificate, please contact the Bank Austria Security Center by calling +43 (0) 50505-26105; they can send you a new ATC. Please don't uninstall the app under any circumstances, as this would cause the keys for signing orders to be lost
Your assistant. Our chatbot: app expertise upon request.
If you want to know how to open a savings account or if you have forgotten how to retrieve your PIN, whether you want to change your settings, have questions about specific functions or want to know more about certain features, ask our chatbot and he will provide the easiest solution.
How to access the chatbot:
More › Bank Austria chat
All you need to know about your debit card
- Changing the debit card limit: Products › Cards › Select debit card › Card limits › Adjust limit › Go to signature
- Card has been lost, blocking the card: Products › Cards › Select debit card › Block card › Go to signature
- Forgotten the PIN of your debit card: Products › Cards › Select debit card › Services › PIN Request › Go to signature
- Travelling outside the EU: Products › Cards › Select debit card › Services › GeoControl › Select period › Go to signature
Questions? Personal service
Contacting your relationship manager
You need information from your relationship manager? You want to make an appointment?
Or you require further details of an offer? With the MobileBanking app it’s easy to stay in touch.
Profile (accessible via your initials / your icon in the top right) › Messages
Profile (accessible via your initials / your icon in the top right) › Customer service › Message / phone / make an appointment
Security
Biometrics
You can login more quickly with fingerprint or facial recognition while enhancing the security of your MobileBanking.
Settings (can be accessed via the cogwheel symbol in the top right) › Security › Face recognition
All offers and benefits
Discover the latest product offers in the webshop: Offers › Select category
Discover current benefits and lotteries: Offers › Benefits & Lotteries
Get money back with CashBack Mobile when shopping: Products › CashBack Mobile › Activate CashBack
Stock markets
Following the market: Here you get all the information on winners, losers, stocks and news. Products › Markets › Overview
Filtering news: Here you can filter news as required (e.g. date, region or category). Products › Markets › Market and news › All news › Filter
Set up and manage your model investment portfolio: Products › Stock markets › Virtual world › Model investment portfolio
Add virtual securities to your model investment portfolio: Products › Markets › Virtual world › Virtual portfolio › Virtual search › Buy (Virtual) › Add to virtual portfolio
Opening a safe-custody account: Offers › Investment › Opening a safe-custody account
