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- Complaint to a bank about payments, an account, a card or a loan (Austria)Your written complaint to a bank in Austria — about a faulty transfer, a card payment, charges, a blocked account, a basic payment account (Basiskonto), a loan or an investment. It sets out what happened and the remedy you want, and sets the deadline for the answer: for payment services 15 business days, exceptionally 35 (§ 97 of the Austrian Payment Services Act, ZaDiG 2018). Complaining to the bank first is also the condition for a procedure before the joint conciliation body of the Austrian banking industry; a complaint to the Financial Market Authority (FMA) remains open alongside. In German.
- Complaint about a bank to the Financial Market Authority, FMA (Austria)Your complaint to Austria's Financial Market Authority (FMA) about a bank that advised you wrongly, charged you incorrectly, refused a basic payment account or left a complaint unanswered. The FMA also offers its own complaint form on its website, free of charge. This letter is the alternative for post: it names the company, what happened, your complaint to it and the outcome, and encloses the company's statement. The FMA acts in the interest of consumers as a whole and does not obtain a solution for your individual case — that is what the banks' joint conciliation body is for. In German.
- Objection to a payment order (Austria)An objection (Einspruch) to a conditional payment order from the Austrian Mahnverfahren (§ 248 of the Austrian Code of Civil Procedure, ZPO), with the case number (Geschäftszahl), the claimant, the amount and the date of service. The deadline is four weeks from service and cannot be extended; at a Bezirksgericht an objection without reasons and without a lawyer is enough (§ 448 ZPO), and a hearing follows. If the order itself says a lawyer and a full defence are required, this letter is not the right one. Not by e-mail: file it by post, in person at the court or through JustizOnline with ID Austria. In German.
- Disputing an unauthorised payment or card payment with your bank (Austria)A letter to your own bank in Austria when your account or card was charged without your consent — after card fraud, phishing or a double charge — or when you paid by card and received nothing (chargeback). You dispute the transactions and claim the refund that the bank must make by the end of the following business day at the latest under the Austrian Payment Services Act (§ 67 ZaDiG 2018). Report without undue delay, and within 13 months of the debit at the latest (§ 65 ZaDiG 2018). With the date the card was blocked, the police report and the next step: the banks' joint conciliation body. In German.
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