Retail Commercial Banking & Credit · Advertiser / Brand · B2C Consumer App / Platform
bank99
Austrian omnichannel retail bank for consumers and SMEs.
Available information varies by company and source.
Profile record updated:
Company facts
- Official name
- bank99 AG
- Entity type
- COMPANY
- Founded
- 2020
- Headquarters
- Austria
- Company size
- 201–500
- Market cluster / sector
- Retail Commercial Banking & Credit
- Market role
- Advertiser / Brand · B2C Consumer App / Platform
- Official website
- bank99.at
What bank99 does
bank99 operates a retail banking model that combines digital self-service products with a nationwide assisted distribution footprint through Austrian Post locations. It acquires deposits, services payment accounts, originates consumer and mortgage loans, and uses digital banking apps to lower servicing costs while maintaining local access for onboarding and support. Value is created by combining trusted national distribution, relatively simple standardised banking products, and balance-sheet income from lending and deposits.
Category differentiation
bank99 is an Austrian retail bank, not a banking software vendor or fintech infrastructure provider. It sells banking products directly to consumers and smaller businesses rather than licensing core banking technology to other institutions.
Strategic context
AI-supported assessment from the existing company research; distinguish interpretation from sourced facts.
bank99 AG is an Austrian retail and SME bank operating through digital channels and the nationwide service-point network of Österreichische Post AG, its majority owner. The bank offers current accounts, online and mobile banking, payments, digital wallet functionality, savings products, consumer lending, housing loans and related everyday banking services. It accelerated its scale through the acquisition of ING’s Austrian retail customer business in late 2021 and serves roughly 300,000 customers across Austria. The company generates revenue through conventional banking economics rather than software licensing: account fees, net interest income on loans and deposits, card and payment-related fees, and cross-selling of savings and other financial products. Its direct customers are retail banking customers and smaller business customers in Austria who want a simple digital bank combined with broad physical access via postal outlets and service points.
Business model & monetisation
bank99 monetises through retail banking revenue streams. These include monthly account fees on eligible accounts, net interest margin from consumer and housing loans funded by customer deposits, payment and card-related income including interchange and transaction fees, and cross-sold savings and ancillary financial products. Its digital products support customer acquisition and servicing efficiency, while the physical postal network reduces standalone branch infrastructure costs.
- Net interest income from retail and housing loans
- Service Fee
- Current account and banking package fees
- Service Fee
- Card, payments and interchange income
- Service Fee
- Savings and ancillary financial product cross-sell
- Service Fee
Products & capabilities
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Competitors & alternatives
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Side-by-side comparisons
Recent recorded signals
Dates refer to the source publication. Older entries are historical context, not evidence of a new event.
Vienna Fintech PlusMarie Launches Financing for Home Improvements
Fintech · Recorded impact score: 2/5
PlusMarie, a Vienna-based fintech founded by Michael Bayer and Matthias Hausberger, offers installment financing for home improvement projects such as heat pumps, solar panels, and pools. Operating since late August 2026, the platform targets both tradespeople and private customers, comparing loans, leasing, and mortgage refinancing options. Partnering with banks like bank99, Bank Austria, Oberbank, and easyleasing, PlusMarie provides status updates to businesses and earns referral commissions. The service addresses new Austrian consumer credit regulations effective late November, which require creditworthiness checks, making it harder for small businesses to finance directly. The company aims to onboard major banks like Erste Bank and Raiffeisen, targeting 10+ bank partners by 2027. Competitors include Bees & Bears and Cloover in the DACH region.
- PlusMarie was founded in summer 2026 by Michael Bayer and Matthias Hausberger and launched at the end of August.
- The platform offers financing for home improvement projects via tradespeople and direct to consumers, comparing loans, leasing, and mortgage refinancing.
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Questions about bank99
What is bank99?
bank99 is an Austrian retail bank that offers digital and assisted banking services for consumers and smaller business customers through apps, online banking and Austrian Post service points.
Who uses bank99?
bank99 is used mainly by Austrian retail banking customers and smaller business customers who need current accounts, payments, savings, lending and mobile banking access.
How does bank99 make money?
bank99 makes money from account fees, net interest income on loans and deposits, card and payment-related fees, and cross-selling of savings and other banking products.
Sources & coverage
This profile uses public, official and technically observable information. Missing information does not prove that a product or relationship does not exist. The list below does not imply that every profile statement has been verified.
20 publicly documented primary sources and citations linked across the market graph.
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