Digital-first
N26 Standard has no monthly maintenance fee and is designed around online onboarding, but check supported identification and whether its account setup fits your employer, rent and cash needs.
Independent comparison
Best Bank Accounts in Austria: Current Comparison
A practical comparison for newcomers. We show the condition behind the headline price instead of ranking a bank just because it looks “free.”
✓ Prices checked 2 September 2026✓ Official provider links✓ No paid ranking
How to read this comparison
Prices below are selected public retail-account examples, not personalized offers. A €0 headline can depend on age, salary/pension income, residence or identification requirements.
| Account | Monthly fee | Online opening | Important condition | |
|---|---|---|---|---|
 Bank Austria Online-Konto | €2.73regular advertised price* | Yes | Current promotion may reduce fee; some non-online transactions have a €4.10 service fee. | Official site ↗ |
 N26 StandardNo monthly fee | €0monthly account fee | Yes | No minimum deposit; virtual debit card included. Physical card is optional and can cost extra. | Official site ↗ |
 easybank easy gratis | €0*if conditions met | Yes | Under 27 free; age 27+ requires at least €400/month qualifying salary or pension, otherwise €14.70/quarter. | Official site ↗ |
 BAWAG Online Konto | €2.90*with qualifying income | Yes | After first month, €2.90 in months with ≥€500 salary/pension income; otherwise €5.90. | Official site ↗ |
 Erste / Sparkasse | Variesby account/product | Available for selected accounts | Compare the exact s Plus / s Kompakt offer and current conditions before opening. | Official site ↗ |
Which account is easiest for a newcomer?
Traditional bank
Bank Austria and BAWAG combine online opening with branch infrastructure. Pay attention to the difference between online and counter transactions.
Salary account
easybank can be free when its salary/pension conditions are met. Newcomers should verify Austrian residence and income requirements before applying.
Documents banks may request
- Valid passport or accepted national identity document
- Austrian residential address and, depending on the bank, proof of residence
- Tax-residency information
- Salary/employment evidence for products that depend on income
- Successful identity verification and, where applicable, credit/compliance checks
Requirements vary by bank and nationality. Never assume that a product shown here guarantees acceptance.
What matters more than the monthly fee?
For everyday life in Austria, compare ATM rules, cash deposits, branch access, English-language support, SEPA instant transfers, joint-account needs, card replacement, overdraft conditions and what happens if your salary stops meeting an account's fee waiver.
How we verify comparison data
We use the provider's own product pages and public conditions for price and eligibility facts, and we date-stamp the comparison. Promotions can end without notice. Always confirm the final price, eligibility and contract before applying.
Provider logos identify the companies only and do not imply endorsement, partnership or sponsorship.
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