Österreichische Ärzte- und Apothekerbank AG

Österreichische Ärzte- und Apothekerbank AG is a sector-focused Austrian bank headquartered in Vienna that serves physicians, dentists, pharmacists, and healthcare-related businesses. It operates under an Austrian credit institution license and is supervised by the Financial Market Authority (FMA) alongside oversight by the Oesterreichische Nationalbank. The bank’s offering typically includes current and savings accounts, payment services, debit and credit cards, term deposits, securities custody and brokerage, and financing tailored to medical practices and pharmacies such as start-up, acquisition, equipment, and real estate loans; it also provides cash management for healthcare entities and, depending on client profile, investment and pension solutions. Digital channels include online and mobile banking for payments and account management, with strong customer authentication compliant with PSD2 and 3-D Secure for card transactions; SEPA transfers are standard and international payments are available via SWIFT. Services are primarily aimed at clients from the medical and pharmaceutical professions, and onboarding follows Austrian KYC/AML requirements; documentation and eligibility criteria apply. Pricing varies by product and usage and is published in the bank’s schedule of fees, with potential charges for account packages, cards, ATM withdrawals, securities transactions, and cross-border transfers. Deposits are protected up to EUR 100,000 per depositor under the Austrian statutory deposit guarantee scheme (Einlagensicherung), subject to legal conditions and exclusions. Prospective customers should review current terms, tariffs, and service availability, as features can differ by client segment and may change over time.