Hello Bank! (formerly DirektAnlage.at) is arguably the best bank account in Austria as it provides a free bank account for salaried customers and students. However, even if you do not receive a salary, you can still open the bank account and thus benefit from a modern and easy to manage your payments.
Salary account | Checking account | Student Account | |
Account management (including all accounting entries) | free | EUR 4 pm | free |
ATM card for 1 account holder | free | EUR 11.90 pa | free |
Classic Credit Card for 1 account holder | free | – | free1 |
Online continuous and confiscation orders | free | free | free |
Online Banking and Mobile Banking | free | free | free |
OPEN NOW | OPEN NOW | OPEN NOW |
1Free credit card (PayLifeGold) is offered to Hello students account only on monthly deposit of min. EUR 500 (1st year free/subsequent years EUR 32 pa)
Overdraft Credit interest rate (variable) | 7.50% pa variable |
Account management (incl. All Statements) | Free |
ATM Card * | Free |
Paylife Classic credit card (MasterCard or VISA) ** | Free |
Standing Instruction / implementation / change / closure of standing orders via online banking | Free |
Account statement in electronic format (PDF) via Online Banking | Free |
Withdrawal by debit card in the Euro Currency Zone area | Free |
Purchases and transactions with debit cards in the Euro Zone area | Free |
Cash deposits in Hello Bank! branches | Free |
3 cash withdrawals per quarter *** | Free |
3 Remittances Order / payment orders per quarter | Free |
Use of Online Banking | Free |
Use of Mobile Banking | Free |
* Order after account opening
** order after the first input content
*** 3 cash payments in Hello Bank branches per quarter
Account management (incl. All bookings) | free |
ATM card 1 | free |
PayLife Gold credit card 1 year 2 | free |
PayLife Gold credit card in subsequent years | EUR 32, – per annum |
Standing orders via Online Banking | free |
Account statement in electronic format (PDF) via Online Banking | free |
Cash withdrawals with bank card in the euro area | free |
Trade transactions with debit card in the euro area | free |
Cash deposits in bank Hello! Stores | free |
3 cash withdrawals per quarter 3 | free |
Use Online Banking | free |
Use Mobile Banking | free |
Have interest rate (variable) | 0.00% pa |
Borrowing rate (variable) | 7% pa |
You can also open the bank account if you do not have a salary. Even though the bank account is not free in such a case, the charges are substantially lesser compared to other bank accounts.
Notwithstanding the terms and conditions for an online content online account or pension account are the following conditions apply:
Account maintenance fee | EUR 2,90 per month |
ATM card per account holder | EUR 11,90 pa |
Credit card per account holder (Paylife Classic) * | EUR 20.50 pa |
* A credit card for checking account without salary / pension input is only offered after appropriate credit checks. |
ATM card for the second account holder | EUR 11,90 pa |
Paylife Classic credit card (MasterCard or VISA) for the second account holder | EUR 10.25 pa |
Paylife gold credit card (MasterCard or VISA) | EUR 59.20 pa |
Ordering a debit card | EUR 10, – |
Reordering Paylife credit card (MasterCard or VISA) | EUR 10, – |
Shipping debit card / credit card abroad | EUR 19, – |
Reimbursement of expenses for locking ATM card | EUR 7.70 |
Money withdrawal by debit card outside the Euro Zone | EUR 1.82 + 0.75% of amount withdrawn |
Trading cash transactions with ATM card outside the euro area | EUR 1.09 + 0.75% of transaction amount |
Fee for cash withdrawal with credit card | 3% of payment / min. EUR 3.50 |
Urgent transfer | EUR 10, – per order |
Reprint of statements and documents | EUR 2.40 per duplicate / min. EUR 7.20 |
Manual order processing time | EUR 2.50 per order |
Non-implementation due to insufficient funds in standing order and debit order | EUR 5.90 per order |
Registration office information | EUR 20, – per request |
Investigation | EUR 10, – minimum |
1st reminder | EUR 10, – |
2nd reminder | EUR 20, – |
any further notice | EUR 40, – |
Clicking here to open an application .
Make sure you sign the following forms which have been printed out after filling the online application.
Once you have signed the above forms, you have to take copies of the following documents to include them to your application form.