24You Online banking

With 24You online banking you can carry out banking transactions such as checking your account balance, making transfers, reordering or blocking cards, setting up and managing standing orders, buying and selling securities, and much more on your computer or tablet and arrange advice by phone or video. You can find video tutorials on the most important business transactions in 24You online banking on our website. 

As an existing customer with a checking account at Bank Austria, you can easily register for 24You online banking online. Please have a valid photo ID ready for video identification. You can then conveniently sign your contract document via text mesasge. If you already use BusinessNet, BusinessLine or SmartBanking, the new online banking PIN also applies to these products. 

The user number is a unique combination of several numbers which is assigned to every customer by the bank to enable him or her to log into online banking. The user cannot be changed. You will find your user number on the reverse side of your debit card (BankCard). If you still have an old debit card (BankCard) or if you should not have any at all, make an appointment at one of our branches or ask your personal service to call you back. 

If you have forgotten your online banking PIN, the quickest way to request a new one is to use our online form. Once we have verified the information you have provided, we will send the new PIN code as an SMS message to your registered MobileTAN phone number. Use this to log in to your 24You online banking or MobileBanking app, or use SmartBanking. If the information you have entered differs from the information stored in our system, we will contact you immediately. 

You can change your PIN for online banking either in 24You online banking or in the MobileBanking app. 

If you have blocked your access code by entering it incorrectly several times, please contact our Bank Austria Security Center at 050505-26105. Please call from a phone number that is registered at Bank Austria. When you call, please state that you would like to unblock your access code. Alternatively, you can have your access code unblocked at one of our branches. 

For security reasons, you can only change your phone number for online banking on your desktop or in the app at one of our branches. Upon presentation of your official photo ID, your advisors will update your phone number. 

Simply tap on your profile picture to customize it. You can either take a new picture or select a photo from your gallery. This picture is only stored on your device and is only accessible to you. 

The communications center provides quick access to messages from your advisors. Here you can communicate securely with your advisor abour your private banking matters or arrange appointments.

Thanks to our multibanking function, you can now also view third-party accounts in your Bank Austria 24You online banking. Not only can you view your account, but you can also make SEPA transfers. You can find out which banks can be imported, how multibanking works and how to set up multibanking on our multibanking page. 

After logging into your 24You online banking, you must activate Personal Finance Manager for the first time. To do this, click on › Financial overview › Personal Finance Manager › Activate in the gray menu on the left-hand side of the page. Open the PDF "PFM General Terms and Conditions" by clicking on the blue line. Confirm the terms and conditions. Clicking on the blue button › To signature will take you to the TAN entry field. The final confirmation is made after entering your TAN by clicking on the blue button › Sign. Please note that the Personal Finance Manager function will only be fully available the following day, as activation takes place overnight. 

To customize your Personal Finance Manager and create your own subcategory, click on › the gear icon in the upper right corner of your finance Manager in 24You online banking, then select › Personalized Subcategories. Here, select the desired main category from the drop-down menu and create a custom name using the › + New Subcategory button. After clicking on › Save, you can assign transactions to your new category.

To automatically assign a transaction to a specific category, please proceed as follows: In your 24You online banking click on › the settings cog icon in your Personal Finance Manager and go to › Categorization rules › New rule. In the field › Name of the rule, enter the desired name and in the field › Keyword, enter a unique term from the transaction text of the transaction to be categorized. This can be the payer/payee name, the corresponding IBAN, or even part of the transaction text. Use the two drop-down menus › Main category and › Subcategory to select how your transaction should be categorized. You can further narrow down the transactions to be categorized using the options › Day of the month and › Amount. Confirm the creation of your rule by clicking on › Save. Using the › Split rules in the settings area you can automatically assign certain transactions to not just one, but several categories. 

We are required to provide customers with their account balance via account statement at least once every quarter. In your 24You online banking, you can view your electronic account statements, change your settings for e-statements, or switch from paper statements to electronic statements. 

The Personal Finance Manager helps you easily keep track of your income and expenses in a simple and straightforward way. Your transactions are automatically categorized and grouped together. This allows you to quickly get an overview of your income and expenses. You can create new subcategories and customize the categorization to suit your personal preferences. In addition, the Personal Finance Manager stores your transactions, including all detailed data, for seven years and provides the data in your 24You online banking. 

To cancel a SEPA direct debit mandate, please contact your advisor. 

If a payment has not been correctly posted to your account, please first check your account balance. If there are sufficient funds in your account, or if there are other incorrect transactions, please contact your advisor. You can do this in 24You online banking or in the MobileBanking app. 

After logging into your 24You online banking account, select › Current accounts › Credit Transfer on the left-hand side. Here you can already execute a simple payment order. By clicking on › All payment types, you can select a standing order, direct debit, or other payment instructions (internal transfer, international transfer, donation payment, tax office payment). For anonymous orders or official penalty orders, please use the payment instruction form. 

A standing order or direct debit allows money to be transferred automatically from one account to another on a regular basis. Unlike a standing order, the amount transferred with a direct debit can vary. You can set up a standing order or direct debit free of charge via your 24You online banking or your MobileBanking app. The cost of setting up a standing order or direct debit at your branch depends on your account model. 

You can set and change your transfer limit yourself. 

To automatically assign a transaction to multiple categories, proceed as follows: In your 24You online banking, click on › Personal Finance Manager › Gear Icon on the right-hand side › Split rules tab › New rule. Enter the desired name in the › Name of the rule field. In the › Keyword field, enter a unique term from the booking text of the transaction to be categorized. This can be the payer/recipient name, the corresponding IBAN, or even part of the booking text. Use the drop-down menus › Main category and Subcategory to select how your transaction should be categorized. Then define which percentages should be assigned in each case. You can add further categories using the › Add button. You can further narrow down the transactions to be categorized using the options › Date and Amount. Confirm the creation of your rule by clicking the › Save button. Using the › Categorization rules option in the settings area, you can have certain sales automatically assigned to a single category. 

Two-factor-authentication is the combination of two different factors from the categories

• "knowledge" (something known only to the user, e.g. PIN), 
• "possession" (something only the user has, e.g. TAN), 
• "inherence" (something the user is, e.g. biometric data such as a fingerprint), 

whereby a user authenticates himself/herself.

A login into online banking (24You or BusinessNet) has to be confirmed with a combination of two different security factors. The first is your PIN, the second is the received mobileTAN on a mobile device such as your smartphone, via the app. 

Compared to single-factor authentication, two-factor authentication offers greater security. In addition, two-factor-authentication is a legal requirement of the European Commission, as set forth in the second Payment Services Directive (PSD2).

In order to increase the level of security when logging in, two-factor authentication is required not only every 90 days, but every time you log into online banking. 

When logging in for the first time and activating the MobileBanking app or BusinessNet app, the smartphone is linked to your account. The second factor, which comes into play when you log in again, is either your PIN or your biometric data.

To install, open the official App Store, Play Store or AppGallery on your smartphone and enter Bank Austria MobileBanking app or Bank Austria BusinessNet app in the search bar. Alternatively, you can find the direct links to the relevant stores on the following pages:

• MobileBanking app
• BusinessNet app