Weises Österreich Wise
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- Ablöse: Ab 0 € (0,5 % des Betrags)
- Wechselkursaufschlag: Mittelklasse (0 %)
- Übertragungsgeschwindigkeit: 1–2 Tage
- Hauptmerkmal: Höchste Gebührentransparenz; Konten in über 40 Währungen; grenzenlose Debitkarte
Live offers across tracked providers in Austria — updated daily from the Giraffy database.
20 live offers compared from 20 providers. Updated daily.
Price on request
Price on request
Price on request
Price on request
Price on request
Price on request
Price on request
Price on request
Price on request
Price on request
Price on request
Price on request
Price on request
Price on request
Price on request
Price on request
Price on request
Price on request
Price on request
Price on request
Money transfer services in Austria let you send funds abroad or receive them from overseas, whether to family, for property, or to move money between your own accounts in different currencies. Within the euro area, standard SEPA transfers from a bank are cheap and fast, so dedicated money-transfer providers matter most for non-euro currencies and remittances, where they compete on exchange rates and fees.
The market spans banks, specialist fintechs and cash-based remittance networks. Fintechs typically offer transfers at or near the mid-market exchange rate with a transparent fee, undercutting banks that often bake a margin into the rate. Cash-payout networks reach recipients without bank accounts worldwide. Digital providers dominate for speed and cost, with transfers initiated and tracked entirely by app, and settled via SEPA on the euro side. Austria's sizeable communities with family abroad, along with expatriates and cross-border workers, drive steady remittance demand to destinations both inside and outside Europe. For everyday euro payments within the SEPA area, instant transfers now settle in seconds directly from a bank, so specialist services earn their keep mainly on exotic currencies, larger foreign-exchange conversions and payouts to countries where recipients rely on cash collection rather than a bank account.
Better exchange rates — fintechs use the mid-market rate with a clear fee, beating typical bank margins.
Speed — many transfers arrive within minutes to a day, faster than traditional wires.
Transparency — you see the fee, rate and arrival amount before sending.
Cash and account payout — reach recipients via bank deposit or worldwide cash pickup.
Compare the total cost, which is the fee plus any exchange-rate margin, not just the headline fee, and check the amount your recipient will actually receive. Weigh speed against cost, confirm the payout method your recipient needs (bank deposit or cash), and check transfer limits and verification requirements. For euro-to-euro transfers, a standard SEPA bank transfer is usually cheapest; for other currencies, specialists typically win. Confirm the delivery speed you actually need, since faster options sometimes cost more, verify the provider is authorised and safeguards customer funds, and be ready for identity and source-of-funds checks on larger transfers, which are a normal anti-money-laundering requirement rather than a red flag and rarely delay a well-documented payment.
Fintechs Wise, Remitly, Paysend, TransferGo and XE serve digital transfers with competitive rates, while Western Union and Currencies Direct offer cash-network reach and larger or currency-specialist transfers. They compete on exchange-rate margin, fees, speed and payout options. The best pick depends on the destination country, currency and whether the recipient needs cash or a bank deposit.
Costs combine an explicit fee with any exchange-rate margin, so the true price varies by amount, currency and provider. Fintechs typically charge a small percentage-based or fixed fee at the mid-market rate, while banks and some networks embed a wider margin. Larger transfers may qualify for better rates, and euro SEPA transfers are often free or near-free.
Payment and e-money institutions are supervised by the FMA (or an EU home regulator passporting into Austria) under PSD2, with safeguarding requirements that keep customer funds separate from company money. Providers must apply strong customer authentication and anti-money-laundering checks. Consumers benefit from transparency rules on fees and delivery times and from complaint-handling obligations.
Is a bank the cheapest way to send money? For euro SEPA transfers often yes; for other currencies, fintechs usually beat banks. What is the real cost? The fee plus the exchange-rate margin combined. How fast are transfers? Many arrive within minutes to a day. Can recipients get cash? Yes, via networks offering worldwide cash pickup.
Giraffy tracks 5 prepaid FX and travel money cards across Wise,Western Union,HaloFintech AT,Currencies Direct AT,XE Money AT providers in Austria. Compare by the mid-market exchange rate margin and ATM withdrawal fees to find the lowest total cost.
A prepaid travel card is loaded with a specific currency (or multiple currencies) before you travel. You lock in an exchange rate at loading time, protecting against rate movements. Unlike a regular debit card, there are no overdraft risks, and many travel cards offer better exchange rates than high-street banks.
Most prepaid travel cards allow ATM withdrawals abroad, but fee structures vary — some offer a free monthly ATM allowance, others charge per withdrawal. Check the ATM fee, daily withdrawal limit, and whether your chosen card is accepted by ATM networks at your destination.
Multi-currency cards typically support 40–50 currencies, covering all major travel destinations. Lesser-used currencies may not be available — check the provider's currency list if you're travelling to an unusual destination. Some cards auto-convert at the point of sale if the local currency isn't loaded.
Yes — a prepaid card can be frozen via an app immediately if lost or stolen, protecting your remaining balance. You're not liable for fraudulent transactions in most cases. Keeping a small amount of local cash as backup is still advisable for markets where card acceptance is limited.
Key fees to check: loading fees (some charge to add funds), ATM withdrawal fees, inactivity fees if the card isn't used for 12+ months, and a small exchange rate margin on the mid-market rate. Some premium providers (Wise, Revolut Metal) offer fee-free loading and ATM withdrawals up to monthly limits.