Publications / Disclosures

Annual Report 2021

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Annual Report 2020

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Annual Report 2019

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Annual Report 2018

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General Terms & Conditions

General Terms & Conditions (PDF)


Disclosures acc. to part 8 of the Regulation (EU) no. 575/2013 (in German)


Disclosure acc. to §65a (BWG) concerning Corporate Governance and Remuneration (in German)

Best Execution Reporting

General Information

General Information for Payment Services for Consumers (PDF)

Information on the account switching service for consumers (PDF)

Information on the account with basic features (basic account) (PDF, German)

Fee information for the basic account (PDF)

Fee information for the payment account (PDF)

Glossary for payment accounts (PDF)

Information on your rights when making payments in Europe (PDF)



Deposit Guarantee Scheme and Investor Compensation

Euram Bank is a fully licensed Austrian Bank and unrestrictedly subject to the provisions of the ESAEG (Einlagensicherungs- und Anlegerentschädigungsgesetz, Act on Deposit Guarantee and Investor Compensation), the Austrian law implementing the respective EU directives. Euram Bank is a member of the statutory guarantee facility Einlagensicherung AUSTRIA GmbH (ESA), Wipplingerstraße 34/4/DG4, 1010 Wien. Please see attached overview, comprehensive information on the legal provisions is available under

Quality Management

We are committed to provide our clients with the best due care in all aspects and concerns of their wealth management. Your feedback helps us to constantly improve our service range. Nevertheless, things might go wrong some times and there is reason to complain. If you are not satisfied with our service, kindly contact us right away: Complaints

Second Payment Service Directive (PSD2)

In accordance with the second payment service directive (PSD2) third party providers are entitled to access payment accounts  - at the initiative of our clients - in real time. This access will be provided via an API Interface.  Information on the interface is available under: For any questions kindly contact us at


For further information please contact Sonja Illigasch by phone +43 1 512 38 80 80 or by e-mail