Does Apple Pay work in Austria?
Yes. Apple Pay launched in Austria on 24 April 2019 with Erste Bank, Sparkassen and N26, and all major banks now support it for the Bankomat-Karte. PSA says about 30% of Austrian debit cards were activated on a mobile device by the end of 2025 and one in three retail card payments came from a phone.
In detail
Yes. Apple Pay launched in Austria on 24 April 2019 with Erste Bank, Sparkassen and N26, and all major banks now support it for the Bankomat-Karte. PSA says about 30% of Austrian debit cards were activated on a mobile device by the end of 2025 and one in three retail card payments came from a phone.
Payment by card in Austria
In the shop, the card is tapped. Bank Austria reported 1.9 billion card transactions worth €80 billion in 2024, 95% of them contactless at physical terminals.
Payment by digital wallet and X-Pay in Austria
Austria took to the phone late and then quickly. Apple Pay arrived on 24 April 2019 with Erste Bank, Sparkassen and N26, and by the end of 2025 PSA reported that about 30% of Bankomat-Karten were activated on a mobile device and one in three retail card payments came from a phone, 34% in December. The Nexi and Handelsverband Payment Report finds 38% of consumers paying regularly by phone in stores, 73% among 18 to 29 year olds. In Austria, X-Pay therefore mostly means a tokenized Bankomat-Karte in Apple Pay or Google Pay.
More detail in our #PayWorldTour guide Payment methods in Austria.