Kako otvoriti bankovni račun u Austriji kao stranac (2026)

Erste Bank, Raiffeisen ili online banka? Potrebni dokumenti, usporedba naknada i proces korak po korak.

A Standard Account and a Basic Account Are Different

Banks set their own acceptance rules for ordinary current accounts while complying with identification and anti-money-laundering law. Product fees, cards, branch service and language support change, so a static 'best bank' ranking quickly becomes unreliable.

Consumers legally resident in the EU who do not already have a functioning account have a right to a basic payment account under the statutory conditions. It supports deposits, withdrawals, transfers, direct debits and online payments but cannot be overdrawn.

Identification and Address Evidence

A bank must verify identity and may request further information about residence, tax status, employment and source of funds. The FMA states that an official photo ID is required for a basic account; a delivery address can be sufficient even for a person without a fixed home.

Do not create a sham residence registration to obtain banking documents. Register only after actually moving into accommodation and provide truthful information to the bank.

Compare the Full Fee Schedule

Compare account maintenance, card, cash withdrawal, foreign-currency and international-transfer fees. A free headline account can still charge for services you use frequently.

Check deposit protection and the provider's licence in the FMA database, particularly for a provider headquartered elsewhere in the EEA. Understand which country's deposit-guarantee scheme applies.

International Transfers

Transfer cost depends on destination, currency, amount and provider. Compare the exchange-rate margin as well as the visible fee and verify the recipient details before sending money.

No provider can be assumed to save every nurse a fixed monthly amount. Use the current price disclosure for your actual corridor and send a small test transfer before moving large sums.