BAWAG P.S.K.

Business Summary

Services
retail banking
SME banking
business banking
Products
current accounts
debit cards
credit cards
savings accounts
time deposit accounts
consumer loans (3.75 - 4.09 %)
car loans (3.75 - 4.09 %)
Area Served
ATAustria

BAWAG P.S.K. provides products and services in the areas of retail banking, SME banking, business banking. BAWAG P.S.K. offers a range of products including current accounts, debit cards, credit cards, savings accounts, time deposit accounts, consumer loans (3.75 - 4.09 %), car loans (3.75 - 4.09 %).

Account Opening

Account Opening Procedure
submit online application
visit bank branch

Opening an account with BAWAG P.S.K. can be done by performing the following steps: submit online application, visit bank branch.

Required Documents
passport
proof of address
application form

BAWAG P.S.K. requires the following documents to open a personal bank account: passport; proof of address; application form.

While opening a bank account BAWAG P.S.K. has to perform KYC procedure and comply with AML requirements. KYC procedure usually includes obtaining the information about customer identity, residential address, current occupation and source of income. KYC checks performed by BAWAG P.S.K. and the documents used are outlined below.

Identity Verification
passport
any one of the documents above
Address Confirmation
proof of address
any one of the documents above
Current Occupation
Income Source
Forms
application form
all the forms from above

BAWAG P.S.K. may require additional documentation or information depending on the case.

Identity Verification
branch visit

BAWAG P.S.K. performs identity verification using branch visit.

Ways to Bank

Business Channels
branch branch
online banking online banking
mobile app mobile app
post office post office

Products and services offered by BAWAG P.S.K. are available at its branches, post offices and via its online banking system, mobile application.

Products

Current Accounts

Current accounts are non-interest bearing deposit accounts that are used to perform day-to-day banking transactions. Current accounts are often offered with a payment card (a debit card and/or a credit card) and may also include overdraft possibility. Annual costs of having a current account (also known as account management fees) can depend on monthly income input to the account or amount of money deposited into the account.

The following current accounts are offered by BAWAG P.S.K..

Updated on 24 October 2020

KontoBox Small
Sales Region
ATAustria
Overdraft Rate (p.a.)
12.00 %
Interest Rate (p.a.)
0.06 %
Annual Costs
58.80 EUR
Current Account Details
Product Name
KontoBox Small
Account Currency
EUR
Annual Costs
58.80 EUR
Interest Rate (p.a.)
0.06 %
Overdraft Rate (p.a.)
12.00 %
Debit Card
Debit Card Costs (p.a.)
0.00 EUR
Credit Card
Credit Card Costs (p.a.)
24.00 EUR
Online Banking
Telephone Banking
Branch Banking
Mobile Banking
Current Account Features

Free debit card available

Credit card available

Account be can accessed via online banking, phone, branch

Available to Austrian residents

KontoBox Medium
Sales Region
ATAustria
Overdraft Rate (p.a.)
8.50 %
Interest Rate (p.a.)
0.06 %
Annual Costs
82.80 EUR
Current Account Details
Product Name
KontoBox Medium
Account Currency
EUR
Annual Costs
82.80 EUR
Interest Rate (p.a.)
0.06 %
Overdraft Rate (p.a.)
8.50 %
Debit Card
Debit Card Costs (p.a.)
0.00 EUR
Credit Card
Credit Card Costs (p.a.)
0.00 EUR
Online Banking
Telephone Banking
Branch Banking
Mobile Banking
Current Account Features

Free debit card available

Free credit card available

Account be can accessed via online banking, phone, branch

Available to Austrian residents

KontoBox Large
Sales Region
ATAustria
Overdraft Rate (p.a.)
7.00 %
Interest Rate (p.a.)
0.06 %
Annual Costs
118.80 EUR
Current Account Details
Product Name
KontoBox Large
Account Currency
EUR
Annual Costs
118.80 EUR
Interest Rate (p.a.)
0.06 %
Overdraft Rate (p.a.)
7.00 %
Debit Card
Debit Card Costs (p.a.)
0.00 EUR
Credit Card
Credit Card Costs (p.a.)
0.00 EUR
Online Banking
Telephone Banking
Branch Banking
Mobile Banking
Current Account Features

Free debit card available

Free credit card available

Account be can accessed via online banking, phone, branch

Available to Austrian residents

ATAustria: This product is offered to Austrian residents only. When clicking on the product link you will be redirected to the product page in German.

See Also

Consumer Loans

Consumer loans are secured or unsecured (i.e., backed or non-backed by a collateral) loans provided to retail customers for personal, family, or household purposes or for purchase of goods and services. In terms of repayment, consumer loans can be revolving (when a credit limit can be spent, repaid and spent again) or installment (such a loan is repaid in equal installments until the loan is paid off at the end of its term). Consumer loans offered by BAWAG P.S.K. are shown in the table below.

Updated on 24 October 2020

Einfach Online Kredit variabler Zins
Sales Region
ATAustria
Effective Rate (p.a.)
3.75 - 13.22 %
Loan Amount
8,001 - 10,000 EUR
Loan Term
12 - 120 months
Consumer Loan Details
Loan Currency
EUR
Min. Loan Term
12 months
Max. Loan Term
120 months
Min. Loan Amount
8,001 EUR
Max. Loan Amount
10,000 EUR
Min. Effective Rate (p.a.)
3.75 %
Max. Effective Rate (p.a.)
13.22 %
Einfach Online Kredit Fixzins
Sales Region
ATAustria
Effective Rate (p.a.)
3.94 - 13.22 %
Loan Amount
8,001 - 10,000 EUR
Loan Term
12 - 120 months
Consumer Loan Details
Loan Currency
EUR
Min. Loan Term
12 months
Max. Loan Term
120 months
Min. Loan Amount
8,001 EUR
Max. Loan Amount
10,000 EUR
Min. Effective Rate (p.a.)
3.94 %
Max. Effective Rate (p.a.)
13.22 %

ATAustria: This product is offered to Austrian residents only. When clicking on the product link you will be redirected to the product page in German.

See Also

Car Loans

Car loans are secured or unsecured (i.e., backed or non-backed by a collateral) installment loans provided to retail customers for the purpose of buying a new or used car. Used cars purchased privately are often financed through unsecured loans, while new cars are financed via secured loans with the car used as the loan collateral. Car loans offered by BAWAG P.S.K. are shown in the table below.

Updated on 24 October 2020

Einfach Online Kredit variabler Zins
Sales Region
ATAustria
Effective Rate (p.a.)
3.75 - 13.22 %
Loan Amount
8,001 - 10,000 EUR
Loan Term
12 - 120 months
Car Loan Details
Loan Currency
EUR
Min. Loan Term
12 months
Max. Loan Term
120 months
Min. Loan Amount
8,001 EUR
Max. Loan Amount
10,000 EUR
Min Effective Rate (p.a.)
3.75 %
Max Effective Rate (p.a.)
13.22 %
Einfach Online Kredit Fixzins
Sales Region
ATAustria
Effective Rate (p.a.)
3.94 - 13.22 %
Loan Amount
8,001 - 10,000 EUR
Loan Term
12 - 120 months
Car Loan Details
Loan Currency
EUR
Min. Loan Term
12 months
Max. Loan Term
120 months
Min. Loan Amount
8,001 EUR
Max. Loan Amount
10,000 EUR
Min Effective Rate (p.a.)
3.94 %
Max Effective Rate (p.a.)
13.22 %

ATAustria: This product is offered to Austrian residents only. When clicking on the product link you will be redirected to the product page in German.

See Also

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