Money & Payments in St. Anton (2026)

Austria is still very much cash-based society, although situation is getting better. Carry at least some spare cash and if you don't have enough, always ask about possibility of paying by card before ordering when using services where payment is done afterwards (taxis, restaurants, etc.).
If fees are announced on the display when withdrawing cash, cancel the withdrawal and look for another ATM.
ALWAYS tell your server the amount you wish to pay (including any tip) when handing over your payment — avoid leaving tips on the table as this is considered rude.
When paying by card, customers are often hesitant to click the 10 percent option offered by the payment terminal. This shift has impacted the amount of tips given, as more people pay by card and fewer carry small cash notes.

Bank ATMs: In the euro zone, no fees are permitted for payments and cash withdrawals by the card-issuing financial institution for debit cards.
Dcc Advice: Always decline dynamic currency conversion and choose to be charged in euros to avoid unfavorable rates and additional fees.
Dcc Warning: When you make purchases with your card, or withdraw money from an ATM, you may run into a service called Dynamic Currency Conversion (DCC). If this happens, the card merchant or ATM will offer for you to be charged in your home currency rather than in euros.
Austria General: ATMs in Austria rarely charge on-site withdrawal fees like you find in many other countries.
Third Party ATMs: Majority of the Bank ATMs in Austria charge varied fees ranging from EUR 2 to EUR 7.9 per transaction as ATM Access Fee to foreign card holders.

Tours: The norm is around €5 per person for a half-day tour, or €10 for a full day's outing, maybe a little more if your guide went above and beyond.
Hotels: Generally, you can tip the bellhop/porter around 1 – 2 Euros per bag and the housekeeper 1 - 2 Euros per night – leaving the gratuity on the bed.
General: If you don't tip, it's considered a sign you were extremely dissatisfied with your table service. It's just not done to not tip anything. A smaller tip? Fine as an expression of your disappointment.
Cafes And Bars: In bars and cafes in Austria you can round the bill to the next significant amount, or leave a small tip each time you order a drink.

Percentage: When dining out in Austria, it is common to leave a small tip of 5% to 10% for the service. You can even consider 15% for exceptional service.

General: Major resorts like Kitzbühel, St. Anton, and Ischgl have better card acceptance than smaller Tyrolean villages. Ski lift ticket offices and hotels accept cards, but mountain huts, après-ski bars in smaller resorts, and equipment rental shops in village centres are often cash-only.
Contactless: Contactless (NFC) payments are accepted at some terminals but should not be your only payment method.
Card Types Accepted: Maestro, MasterCard, American Express, Visa, and Diners cards are accepted at ATMs.

Major Banks: Bank Austria, Erste Bank, and Raiffeisen Bank have extensive branch and ATM networks across Austria; offer English assistance and expat-friendly services.
Services Available: Current accounts (Girokonto), savings accounts, basic payment accounts (Basiskonto), SEPA transfers (typically free within EU/EEA).

Account Maintenance: Traditional banks charge €2–€12 per month for current accounts (Girokonto), typically on quarterly basis.
Online Alternatives: N26 and Revolut offer no-fee basic accounts with free ATM withdrawals in Eurozone.

Non Residents: Non-residents can open accounts, often requiring in-person appointment; some banks offer online options for residents.
For Foreigners: Foreigners (both EU and non-EU) can open bank accounts in Austria, though requirements vary by bank.
Required Documents: Valid photo ID (passport), proof of address (where applicable), proof of employment (if applicable).

AI-generated estimateData refreshed July 2026

These are the sources cited in this money & payments research for this city. Individual figures may not each trace to one of them.

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Data last updated July 2026 · Verify anything important.