UniCredit Bank Austria AG

UniCredit Bank Austria AG is an Austrian credit institution headquartered in Vienna and wholly owned by UniCredit S.p.A., operating as part of the EU Banking Union under the Single Supervisory Mechanism, with prudential supervision by the European Central Bank in cooperation with the Austrian Financial Market Authority and Oesterreichische Nationalbank. The bank provides retail, private, SME, corporate, and public-sector services, including current and savings accounts, payment services (SEPA credit transfers and, where available, instant payments), consumer and mortgage lending, working capital and investment loans, trade finance, cash management, and access to capital markets products via the UniCredit group; leasing and factoring are offered through affiliated entities. Distribution combines a nationwide branch footprint with online and mobile banking that implement strong customer authentication under PSD2, and the bank participates in Austria’s Bankomat ATM network. Standard payment instruments include Debit Mastercard and credit cards issued with local partners, with contactless and mobile wallet support. International payments use IBANs beginning with AT and the SWIFT/BIC BKAUATWW. Deposits are protected by the Austrian statutory deposit guarantee scheme (Einlagensicherung AUSTRIA Ges.m.b.H.) up to EUR 100,000 per depositor per bank, with higher temporary coverage for defined life events as provided by law. The institution publishes audited financial statements, Pillar 3 and resolution-related disclosures (including MREL information), and applies EU requirements on AML, sanctions compliance, consumer protection, and ESG reporting. Fees, interest rates, and product terms are set out in the bank’s schedule of conditions and may change; customer onboarding is available in branch or via remote identification subject to eligibility.