Enable Banking Docs

Open Banking Specifics in Austria

# Authentication flows and SCA

All banks in Austria provide redirect authorisation flows. Some banks support automatic app switch to their mobile apps when Open Banking authorisation is performed on the device where the app is installed.

# Major Banks (ASPSPs)

The most widely used Austrian ASPSPs, in order of significance, are:

Full list of banks (as per EBA) is available here (opens new window).

# Payment Specifics

All banks in Austria support SEPA Credit Transfers (SCT) in EUR (Euro), the local currency, via their open banking APIs. Some ASPSPs support Instant SEPA Credit Transfers (SCT Inst), but availability is inconsistent. Authorisation of initiated payments is handled via a redirect-based flow for SCA.

# Specifics per ASPSP

The following list contains notable specifics of different banks operating in Austria.

# BAWAG

After redirect to the bank for authentication users need to choose between BAWAG and easybank, which use different credentials.

# Erste Bank

Erste Bank uses s Identity mobile application for SCA. Users are required to input their user ID for the "George" online/mobile banking.

# Oberbank

# Sandbox Availability

Oberbank provides a sandbox environment suitable for end-to-end testing including authorisation flows, account information retrieval, and initiation of payments.

It is available through the Enable Banking API's sandbox environment. Please refer to the Sandbox Credentials section for the credentials to be used for authentication in the Oberbank sandbox.

# Raiffeisen Bank

Raiffeisen Bank operates it online and mobile banking under a federated model with multiple regional banks using the same access points through the "Mein ELBA" service. The same applies to usage of the Open Banking.

# UniCredit Bank Austria

UniCredit Bank Austria performs SCA using the "Bank Austria MobileBanking" application for private customers and the "UC Mobile Token" application for corporate customers.

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