BAWAG Digital — Free Service Overview
BAWAG Digital is a free Banking & Payments service. Browse features, available discounts, and alternatives below.
Updated: May 2026
About BAWAG Digital
BAWAG Digital — full review and pricing
Quick facts. BAWAG Digital is operated by BAWAG P.S.K. Bank für Arbeit und Wirtschaft und Österreichische Postsparkasse Aktiengesellschaft, headquartered in Vienna, Austria, with the brand established in BAWAG 1922; Postsparkasse merger 2005. The operator is listed on Wiener Börse (BAWAG). BAWAG Digital positions itself as Austria's fourth-largest bank competing with Erste Group and Raiffeisen Bank International, billed via the tier structure detailed below.
BAWAG Digital markets a banking & payments subscription targeted at users who want a fully-managed product without piecing it together themselves. The pricing snapshot below pulls Subger's live tracker, so anchor prices stay current as BAWAG Digital adjusts published rates. The rest of this page details the operator, current tiers, feature coverage, support reach and 10 short FAQs. For the canonical reference, cross-check the vendor's own pricing page — figures here mirror it within the cache window.
Operator background
BAWAG Digital runs under BAWAG P.S.K. Bank für Arbeit und Wirtschaft und Österreichische Postsparkasse Aktiengesellschaft, headquartered in Vienna, Austria. The product was established in BAWAG 1922; Postsparkasse merger 2005, and the company is currently listed on Wiener Börse (BAWAG). BAWAG Digital sits in the banking & payments category and competes for the same recurring spend as nearby banking & payments brands on this site. See related coverage in /en/us/promo and /en/us/deal for cross-brand context.
Headquarters and corporate status
- Legal entity: BAWAG P.S.K. Bank für Arbeit und Wirtschaft und Österreichische Postsparkasse Aktiengesellschaft
- HQ: Vienna, Austria
- Founded / launched: BAWAG 1922; Postsparkasse merger 2005
- Ownership: listed on Wiener Börse (BAWAG)
The operator's corporate status determines who you contract with at checkout — typically the legal entity above, even if billing goes through a regional reseller.
Why BAWAG Digital matters in banking & payments
BAWAG Digital positions itself as Austria's fourth-largest bank competing with Erste Group and Raiffeisen Bank International. The 2024-2025 differentiator: 2024-2025 BAWAG continued strong return-on-equity above 17% and digital-onboarding refresh.
Pricing and tier structure
Current tier structure: KontoBox Easy EUR 0/month; KontoBox Smart EUR 9.90/month. The anchor price referenced for headline comparison is KontoBox Smart EUR 9.90/month.
Plan grid
| Plan | Anchor price | Notes |
|---|---|---|
| Entry / free tier | See plan grid | Limited or free access where offered |
| Mid plan | KontoBox Smart EUR 9.90/month | Headline tier referenced above |
| Top plan | See plan grid | Adds upgraded benefits or higher allowances |
What changes between tiers
Higher tiers typically unlock larger allowances, additional household members or extra premium content; entry tiers exist for trial usage. Live prices in the Subger plan tracker override these anchors when BAWAG Digital adjusts published rates.
Recent pricing context (2024-2025)
2024-2025 BAWAG continued strong return-on-equity above 17% and digital-onboarding refresh. Annual commitments commonly trim 10-20% off the headline monthly rate; check the live grid above before purchase.
Feature coverage
BAWAG Digital ships with the following named capabilities relevant to banking & payments:
- Austrian retail and SME banking
- KontoBox account packages
- BAWAG Mobile app
- Eurogiro international transfers
- Apple Pay and Google Pay
Feature matrix
| Feature area | Coverage |
|---|---|
| Headline use case | Austria's fourth-largest bank competing with erste group and raiffeisen bank international |
| Platform support | Mobile + web where applicable |
| Payment options | Local + card |
| Customer support | Operator-provided channels |
| Geographic scope | Operator footprint |
Platform and device reach
Coverage spans the operator's published device list — typically modern iOS and Android plus a web client; some categories add desktop apps, smart-TV apps or vehicle integrations where relevant. Check the vendor's "Supported devices" page if you depend on a less common platform.
Account features and digital experience
Account features cover daily banking, cards, transfers and lending; digital experience centres on a mobile app with biometric login, instant payment networks (SEPA Instant, BLIK, Pix or domestic equivalents) and integrated card management.
What this means for buyers
The category-specific behaviour above is the single biggest factor when comparing BAWAG Digital against alternatives in the same banking & payments bracket. Buyers who care about the feature mix detailed here will typically rank BAWAG Digital higher than buyers focused on price alone.
Support, billing and account management
BAWAG Digital offers customer support through the operator's standard channels — typically an in-app help centre, email contact and (for paid tiers) live chat or phone support during business hours.
Cancellation and refunds
You can cancel BAWAG Digital directly from the account dashboard. Refund policy follows the operator's published terms; many banking & payments services prorate or do not refund partial periods after the renewal date. See the cancel guide hub for the standard cancellation workflow.
Free trials and money-back
Free trials, money-back windows and intro pricing vary by tier and country. Anchor: KontoBox Smart EUR 9.90/month.
Comparison context
In the banking & payments category, BAWAG Digital competes with nearby brands you can browse via /en/us/compare. Buyers commonly look at BAWAG Digital alongside two or three peers before committing — the side-by-side compare table on this site lets you stack feature coverage and price in one view.
When BAWAG Digital is the right pick
- You want Austria's fourth-largest bank competing with Erste Group and Raiffeisen Bank International and the feature mix listed above
- The anchor price (KontoBox Smart EUR 9.90/month) fits the budget
- The operator's footprint covers your country
When to look elsewhere
- You need a specific feature BAWAG Digital does not list
- You are in a country outside the operator's main footprint
- The 2024-2025 differentiator (2024-2025 BAWAG continued strong return-on-equity above 17% and digital-onboarding refresh) is not relevant to your use case
Frequently asked questions
What is BAWAG Digital?
BAWAG Digital is a banking & payments subscription operated by BAWAG P.S.K. Bank für Arbeit und Wirtschaft und Österreichische Postsparkasse Aktiengesellschaft out of Vienna, Austria, established in BAWAG 1922; Postsparkasse merger 2005. It is currently listed on Wiener Börse (BAWAG).
How much does BAWAG Digital cost?
Current tier structure: KontoBox Easy EUR 0/month; KontoBox Smart EUR 9.90/month. Anchor headline price: KontoBox Smart EUR 9.90/month. See the pricing table above for the live grid.
Who owns BAWAG Digital?
The brand is owned and operated by BAWAG P.S.K. Bank für Arbeit und Wirtschaft und Österreichische Postsparkasse Aktiengesellschaft. Corporate status: listed on Wiener Börse (BAWAG).
Where is BAWAG Digital available?
BAWAG Digital operates from Vienna, Austria with country availability tied to the operator's footprint and licensing reach. Cross-check the vendor's region list before subscribing if you travel often.
Can I cancel BAWAG Digital any time?
Yes — cancellation runs through the operator's account dashboard. See the cancel guide hub for the standard workflow and country-specific notes.
Does BAWAG Digital offer a free trial?
Free-trial availability varies by tier and country. The anchor price (KontoBox Smart EUR 9.90/month) is the post-trial headline rate; trials, when offered, run 7 to 30 days depending on promo.
What payment methods does BAWAG Digital accept?
Payment methods follow the operator's checkout — typically major cards (Visa, Mastercard, Amex) plus locally-relevant alternatives like Apple Pay, Google Pay or country-specific wallets.
Is BAWAG Digital worth it in 2025?
BAWAG Digital's 2025 value depends on the feature mix you actually use. The 2024-2025 update — 2024-2025 BAWAG continued strong return-on-equity above 17% and digital-onboarding refresh — is the single most relevant signal for current-year buyers.
How is BAWAG Digital different from competitors?
BAWAG Digital differentiates as Austria's fourth-largest bank competing with Erste Group and Raiffeisen Bank International. The operator background, founding year (BAWAG 1922; Postsparkasse merger 2005) and 2024-2025 update give buyers a sense of where the brand sits versus alternatives.
Where can I track BAWAG Digital pricing changes?
Subger's live tracker updates the anchor price (KontoBox Smart EUR 9.90/month) automatically when BAWAG Digital adjusts published rates. Bookmark the Subger BAWAG Digital page and check the pricing table above.
Sources and updates
Operator + tier + ownership facts compiled from public vendor disclosures, press releases and regulatory filings current to 2024-2025. Anchor price: KontoBox Smart EUR 9.90/month. Last refreshed at the timestamp in Subger's plan tracker.
Related on Subger
Browse adjacent coverage:
Sources
Subger is not affiliated with, endorsed by, or connected to BAWAG Digital or its parent companies. All trademarks, service marks, and logos belong to their respective owners. Information on this page is provided for informational and comparison purposes only. Pricing and plan details are sourced from publicly available information and may not reflect current offerings — please verify with the official provider. If you are a representative of this service and believe any information is inaccurate, please contact us at info@subger.com.
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