This page compares 4 accounts available in Austria, listing minimum deposit, monthly fee, how to apply and non-resident eligibility one by one: 2 can be opened fully online, 0 explicitly accept non-residents, 4 have no minimum deposit. Click any account for the full document checklist, pros and cons and common rejection reasons.
Data updated 2026-10-01 · compiled from published bank terms
| Account | Region | Type | Minimum deposit | Monthly fee | How to apply | Non-residents | Rating |
|---|---|---|---|---|---|---|---|
| N26 Austria | Austria | Digital Bank | 无首存要求 | Standard 免月费 | Online | Conditional | ★ 4 |
| bank99 | Austria | Digital Bank | 无首存要求 | 基础账户免月费 | Online | Conditional | ★ 3.9 |
| Erste Bank | Austria | Traditional Bank | 无首存要求 | 约 0–6 欧/月 | Must visit | Conditional | ★ 3.4 |
| Raiffeisen Bank International | Austria | Traditional Bank | 无首存要求 | 约 0–5 欧/月 | Must visit | Conditional | ★ 3.3 |
None of the 4 accounts on this page is open to non-residents without conditions, but 4 accept foreigners who meet extra requirements (Erste Bank, Raiffeisen Bank International, bank99) — typically a valid visa or residence permit, and usually an in-branch visit. See each account page for details.
Not necessarily. 2 of the 4 accounts can be opened fully online (bank99, N26 Austria), with no branch visit; the remaining 2 still require a branch visit or an appointment. Online opening depends on whether your documents pass automated checks.
Minimums vary widely — see the "Minimum deposit" column. 4 account(s) have no minimum deposit, so you need not fund on day one. Also watch the minimum balance and monthly fee; dormant accounts can incur charges.
It depends on the account: online accounts are usually approved within minutes to a few working days, while branch or manually reviewed accounts typically take 1 to 3 weeks. The "How to apply" column shows the channel for each account, and timings are on the individual pages.