Digital Wallet

Österreichische Ärzte- und Apothekerbank AG

About this app

Install the digital wallet of your professional bank and activate your digital debit card (Maestro card) in just a few steps. You can pay easily and contactless with your smartphone on the go and leave your debit card at home. Hold your smartphone close to an NFC-enabled payment terminal and pay amounts up to EUR 50 without entering a PIN. For higher amounts, please enter your PIN at the POS payment terminal - just like with your plastic card.
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With just a few clicks, transfer money to phone contacts easily and anywhere

With the ZOIN function you can send money directly to contacts from your smartphone, you do not need the IBAN or BIC of the recipient.
If you wish, you can transfer amounts up to EUR 25 immediately from the digital wallet without entering a PIN. You can make these settings yourself in your pay app.
The ZOIN transaction counts towards the POS limit of your ATM card.


Always have your customer cards with you and manage them clearly

In the Digital Wallet you can manage your existing customer cards clearly and from now on you always have your customer cards with you.


Maximum security through SCA-compliant login

The new SCA-compliant login makes the Digital Wallet app even more secure. With your user name and password, as well as the release of a check digit in your Digital ID app, you can access the Digital Wallet app. As soon as you activate the finger print, you can also easily access the digital wallet app using your finger print. For your own safety, we recommend that you only use the fingerprint function on your smartphone yourself - i.e. do not give other people access to your smartphone via fingerprint.

Functionalities of the digital wallet:
- Pay with your smartphone (mobile payment)
- Send money to contacts or transfer money back (ZOIN)
- Request money from contacts (ZOIN)
- ZOIN chat history
- Manage customer cards (loyalty)


Your digital wallet - the state bank purse - is constantly being expanded with new functions.

What’s new

Performance- und Stabilitätsverbesserungen