What is the most used payment method in Austria?
Cash, by number of transactions, but only just. The OeNB's 2025 payment study puts cash at 55% of point-of-sale transactions and 45% of their value, down from 63% in 2022. The Bankomat-Karte debit card takes most of the rest, with 1.9 billion transactions in 2025.
In detail
Cash, by number of transactions, but only just. The OeNB's 2025 payment study puts cash at 55% of point-of-sale transactions and 45% of their value, down from 63% in 2022. The Bankomat-Karte debit card takes most of the rest, with 1.9 billion transactions in 2025.
Payment by bank transfer in Austria
Austria has had a bank-redirect method since 2004. eps-Überweisung, built by the banks and now run by PSA, sends the shopper from the checkout to their own online banking, where the transfer is authorized and confirmed to the merchant in real time with an execution guarantee. Raiffeisen, Erste Bank und Sparkassen, Bank Austria, BAWAG, the Hypo banks and the Volksbanken all take part, and PSA counted about 35 million eps payments in 2025, alongside 1.3 billion clearing transactions for transfers and direct debits.
Payment by digital wallet and X-Pay in Austria
Online, PayPal is the default wallet, and the OeNB counts wallets and internet payment methods at 30% of online payments.
More detail in our #PayWorldTour guide Payment methods in Austria.