Best Fintech Apps in Austria (2026)
Updated: July 16 2026| Found helpful by 22 others
Finny is the top personal finance fintech for Austrian residents, bundling budgeting, goal-based saving, and partner-bank IBAN access in a single European app. Bitpanda, the Vienna unicorn, is the best all-in-one fintech with an Austrian IBAN plus crypto, stocks, ETFs, and metals under MiCA. N26 is the most popular neobank with residents, Revolut excels at multi-currency travel, and Wise remains the benchmark for cheap international transfers with real mid-market FX. Most fintechs provide a free basic tier, with premium features from €3 to €15 per month.
Jump to section
Sorting changes the order of the provider cards below.
Our overall pick below is Finny, from 1. Finny.
1. Finny
Vienna-based youth-banking app with the cleanest parent-child money flow on the Austrian market.
- Type
- Personal finance app
- Fees
- Transparent pricing
Prices as of August 2026, verify on the provider site.
Pros
- Focused personal finance design with budgeting and goals
- Partner bank integrations allow AT IBAN in some flows
- Clean mobile UX built around saving habits
Cons
- Smaller brand and user base than N26 or Revolut
- Trading and FX features are not the focus
Best for Users wanting a structured personal finance app with budgeting, goals, and partner-bank IBAN access
2. Bitpanda
Austrian-built multi-asset platform: crypto, stocks, ETFs, and metals all in one FMA-registered app.
- Type
- Multi-asset fintech
- Fees
- €0/month account
Prices as of August 2026, verify on the provider site.
Pros
- Native Austrian IBAN for salary and SEPA
- MiCA license supervised by the FMA
- Crypto, stocks, ETFs, and precious metals in one app
Cons
- Spreads can exceed specialist brokers
- Premium features require a paid Bitpanda Plus tier
Best for Austrian residents who want one app covering crypto, stocks, ETFs, metals, and a spending IBAN
N26 Bank SE, Germany
3. N26
Native Austrian IBAN with fully English app and the most newcomer-friendly onboarding.
Standard is free. Paid tiers as of August 2026, from n26.com/en-at/plans.
- Type
- Neobank (BaFin, DE)
- Fees
- €0 to €16.90/month
More details
- English support
- Yes, fully English app
Prices as of August 2026, verify on the provider site.
Pros
- Best-in-class mobile banking UX
- Strong Apple Pay and Google Pay integration
- Useful Spaces feature for budgeting and shared savings
Cons
- German DE IBAN, not Austrian AT
- Fewer Austrian-specific integrations (e.g. EPS)
Best for Residents wanting a mobile-first current account with excellent UX and Apple/Google Pay from day one
Revolut Bank UAB, Lithuania
4. Revolut
Best-in-class multi-currency wallet at interbank FX rates for residents earning in multiple currencies.
Standard is free. Paid tiers as of August 2026, from revolut.com/en-AT.
- Type
- E-money app (Lithuania)
- Fees
- Free tier; paid premium plans
Prices as of August 2026, verify on the provider site.
Pros
- Excellent multi-currency accounts with mid-market FX
- Strong travel insurance on premium tiers
- Integrated stock, ETF, and crypto trading
Cons
- LT IBAN can cause Austrian payroll friction
- Customer support quality varies
Best for Frequent travellers and multi-currency users who want strong FX and travel perks
5. Wise
Cheapest international transfers at mid-market FX rates with multi-currency account number support.
- Type
- Multi-currency account
- Fees
- €0/month; from 0.47% per transfer
Prices as of August 2026, verify on the provider site.
Pros
- Real mid-market FX with transparent fees
- Local account details in major currencies
- Multi-currency debit card accepted worldwide
Cons
- Not designed as a primary current account
- BE IBAN can cause Austrian payroll friction
Best for Anyone sending money across borders, paying international contractors, or holding multiple currencies
Trade Republic Bank GmbH, Germany
6. Trade Republic
Commission-free European broker bundled with a high-yield Austrian current account.
- Type
- Broker + current account
- Fees
- €0/month; €1 per trade
Prices as of August 2026, verify on the provider site.
Pros
- Zero-commission stock and ETF trading
- Up to 2% interest on cash balances (as of April 2026)
- Monthly savings plans from €1
Cons
- No manual KESt withholding for some Austrian edge cases
- Limited customer service channels
Best for Austrian residents who want a low-cost stock and ETF broker with integrated cash savings
7. Curve
One Mastercard that aggregates all your other cards and lets you switch retroactively after each transaction.
- Type
- Card aggregator
- Fees
- Free tier; paid premium plans
More details
- Card network
- Mastercard
Prices as of August 2026, verify on the provider site.
Pros
- One card consolidates multiple debit and credit cards
- Go Back in Time feature to switch charges retroactively
- Mid-market FX on weekdays
Cons
- Not a bank account, just a wallet layer
- Merchant acceptance issues reported occasionally
Best for Cardholders wanting to consolidate multiple debit and credit cards into a single wallet
bunq B.V., Netherlands
Bunq
Full Dutch banking licence with €100,000 deposit protection, multi-IBAN sub-accounts, and one of the highest EU savings rates.
- Type
- Neobank (Dutch licence)
- Fees
- €0 to €8.99/month
Prices as of August 2026, verify on the provider site.
Pros
- Full Dutch banking licence with €100,000 DGS protection
- Multiple IBANs and sub-accounts for budgeting
- One of the highest savings rates among EU neobanks
Cons
- NL IBAN, not Austrian AT
- No Austrian-specific integrations such as EPS
Best for Savers and freelancers wanting multiple IBANs, sub-accounts, and a high EU savings rate under Dutch deposit protection
What Fintech Apps Offer IBAN-AT?
Only a few fintechs issue Austrian (AT-prefixed) IBANs. Here is the current lineup as of April 2026:
- Bitpanda: Austrian IBAN via its own licensing. The cleanest AT-IBAN option among crypto-adjacent fintechs.
- Erste Bank George: Traditional Austrian bank with a fintech-quality UX. Full AT IBAN.
- BAWAG KontoBox: Digital-first packages from BAWAG P.S.K. with AT IBAN and optional Apple Pay integration.
- Finny: European personal finance and savings platform with Austrian partner bank for AT IBAN support.
- N26, Revolut, Wise, Trade Republic, Bunq: Do not issue AT IBANs (they issue DE, LT, BE, and NL IBANs). SEPA still works, but Austrian payroll systems occasionally push back.
When an AT IBAN Actually Matters
- Salary payments: Some Austrian payroll systems still struggle with DE or LT IBANs despite EU rules.
- Public benefits: Family allowance (Familienbeihilfe) and AMS unemployment benefits process fastest to AT IBAN.
- Rent and utility direct debits: Some Austrian landlords and utility providers prefer AT IBAN for SEPA mandates. See our cost of living guide for typical monthly outflows.
Entity References
Full factual profiles for each brand covered on this page:
Frequently Asked Questions
Can you receive Austrian salary into N26?
Yes, technically. N26 provides a valid IBAN accepted for SEPA payments across the EU. However, some Austrian employers and government agencies still prefer an Austrian IBAN (AT-prefix) for salary, family allowance, or unemployment benefits. As of April 2026, this preference is softening under SEPA anti-discrimination rules, but practical friction remains in some payroll systems.
Do you need an AT IBAN to work in Austria?
Officially no. EU regulation 260/2012 bans IBAN discrimination within SEPA, so a German DE or Lithuanian LT IBAN from Revolut, N26, or Wise should be accepted. In practice, some Austrian employers' payroll systems still struggle with non-AT IBANs, and certain agencies like AMS or Finanzamt may push back. To avoid friction, many residents open an AT IBAN with Bitpanda, BAWAG, or Erste alongside their neobank. See our account opening guide for step-by-step setup.
Are fintechs regulated by the FMA?
It depends on the fintech's license structure. Bitpanda and Morpher are Austrian-licensed and supervised by the FMA. N26 is licensed by BaFin in Germany, Revolut by the Bank of Lithuania, and Wise by the Belgian NBB. All passport their services into Austria under EU rules. The FMA can still intervene on consumer protection matters affecting Austrian users.
Which fintechs support ELBA or EPS?
Austrian payment systems like EPS (eps-Überweisung) and bank-specific online banking like ELBA (Raiffeisen) require participation from Austrian banks. Fintechs generally do not support EPS natively, which matters when paying Austrian e-commerce, taxes, or municipal services. Revolut and Wise can still pay via SEPA, but some Austrian government portals only accept EPS or credit card.
Is Bitpanda safe?
Bitpanda is Austria's largest fintech, holds a full MiCA license from the FMA, and keeps customer assets segregated under Austrian regulation. The company raised at a €4 billion+ valuation and has more than 4 million users as of April 2026. As with any crypto and investment platform, your balance is not covered by Austrian deposit insurance the way bank deposits are. EUR cash balances held through partner banks have separate protection.
Official Sources
Related Guides
Open a Bank Account
Step-by-step walkthrough for opening an Austrian account
Credit Cards in Austria
Compare Austrian credit cards, fees, and rewards
Crypto Exchanges in Austria
Regulated platforms for buying Bitcoin and altcoins
Cost of Living
Budgeting for Vienna and other Austrian cities
Revolut vs N26
Head-to-head: fees, FX, support and onboarding in Austria.
Prepaid Cards
No-credit-check cards for budgeting and new arrivals.
Debit vs Credit Cards
Why Austria is debit-first and when you need a credit card.
Using Cards Abroad
Interbank FX and how to avoid foreign-spending fees.