Banks in Austria

Corporate/commercial banks
These institutions deal exclusively with corporate clients which might include small businesses or large corporations. As such, they offer services like loans and credit, equipment lending, commercial real estate, and trade finance. While some of these banks may have offices that you can walk into, you will more likely have to make an appointment to see someone there. 
Here are a few of the most well-known Austria banks:
Retail banks:
Addiko Bank (retail banking)
BNP Paribas (retail and corporate banking)
DenizBank (retail and corporate banking)
Raiffeisen-Landesbank (corporate and cooperative retail banking)
Erste (retail banking)
Generali Bank (retail banking)
Santander (retail banking)
UniCredit Bank (universal banking)
Volksbank (cooperative retail banking)
Investment banks:
Allianz Investmenbank (investment banking)
Bank of China (corporate and investment banking)
Citibank (corporate and investment banking)
Deutsche Bank (corporate and investment banking)
UBS (wealth management)
UniCredit Bank (universal banking)
Banking services in Austria
Banks in Austria offer a wealth of different services. Below are some of the most common services you might need while living in the country. 
Current accounts
This is the most common banking service in Austria because it is for personal use and is part of retail banking. As such, current accounts come with a debit card that lets you access ATMs across the country and an overdraft facility. Additionally, you can usually issue standing orders or direct debits and have a linked savings account. Furthermore, these accounts usually offer online or mobile banking facilities, and international money transfers. 
Loans
Generally, there are four types of loans available in Austria. These include unsecured personal loans, secured personal loans, fixed-rate loans, and variable-rate loans. As the names suggest, the first two either do or do not require collateral, while the latter two offer stable or flexible interest rates. 
Overdrafts
Generally, overdrafts at Austrian banks allow you to take out more money than you have available in your account. As such, you can usually set a limit on your account’s overdraft. However, if you do overdraw your account, you will be charged a high interest rate.