Bankomat (Austrian domestic debit card)Austria's debit card is co-badged, historically with Maestro and now with Debit Mastercard. PSA runs the scheme, the ATM network, and a clearing house.PSA Payment Services Austria GmbH (on behalf of Austrian banks)11 million Bankomat® cards and 6,474 Bankomaten® ATMs operated by PSA (PSA Payment Services Austria, psa.at, checked in 2026)
Global registry · Europe · Western Europe
Austria Payment systems
4 systems listed.
CurrencyEuro (EUR)
RegulatorOesterreichische Nationalbank (OeNB) / FMA
Leading payment methods
Cards (debit)WalletsCredit transfer (EPS)BNPLCash
E-commerce shares
Cards · 30%Wallets · 28%Account-to-account · 20%Buy now, pay later · 15%Other · 5%Cash · 2%
EPS (eps-Überweisung). Austrian banks’ standardized online bank transfer, the local equivalent of iDEAL, widely used for e-commerce and government services.
In-store cash share≈60% of transactions (ECB SPACE 2024)
Purchase on invoice / online BNPL≈15% of e-commerce
Culturally close to Germany: a strong attachment to cash in stores (“Nur Bares ist Wahres,” or “only cash is real”) and a taste for purchase on invoice online.
IBAN · Austria
20 charactersSEPA area864 bank codes1,191 BIC codes
- Total length
- 20 characters
- Bank code position
- 5–9
- BBAN structure
5!n11!n
Structurally valid example
ATcountry code61check digits19043bank00234573201account
AT61 1904 3002 3457 3201
Learn about this market. The guides and courses that cover it.
Payments in AustriaMerchant, acquirer, PSPPayment regulationCentral banks and payment infrastructuresAgents, distributors, and banking-as-a-service: who is liable for whatPayments in the BalkansAccepting payments in Germany, Austria, and SwitzerlandAccepting payments in Spain and PortugalChoosing a jurisdiction for your payment institutionAccepting payments in the Netherlands and BelgiumAccepting payments in the NordicsAccepting payments in Poland and Central Europe
Card schemes
Instant payments
eps-ÜberweisungAustria’s own standard for online payments by bank transfer, the functional equivalent of iDEAL. A must for selling online in Austria.PSA Payment Services Austria / STUZZA · since 2005
PSA CSM Instant PaymentsAustria’s response to the October 2025 SCT Inst mandate, built on existing PSA infrastructure.PSA Payment Services Austria · since 2025Go-live announced for June 2025 (PSA)
Interoperable QR
BluecodeBarcode/QR payments linked to the bank account, deployed in Austria and Germany and connected to Asian QR schemes through the Alliance of Merchant Payment Schemes.Blue Code International AG (Austria) · since 2016