If possible, get written confirmation of which product was refused.
Step by step: This is how you proceed
- Determine whether it is a regular account or a basic account.
- Request information about processed personal data from the bank.
- Check whether contact details, identity details or previous entries are incorrect.
- If you have any questions about the right to a basic account, please contact an authorized consumer advice center.
What documents do you need?
Application confirmation, rejection, ID details only to the extent necessary for secure identification. Only send sensitive documents via a secure, official channel and only when actually necessary.
When should I act?
If rejected, follow up promptly and maintain communication.
This limit is important
GDPR information does not replace an examination of consumer account law and does not guarantee the opening of an account.
Free help outside DATENCHECK
Contact the bank first about a banking dispute. Eligible unresolved disputes may be referred to voluntary free banking mediation. Not every loan refusal is within its remit.
Check the official body and eligibility ↗Check the applicable remit and eligibility criteria. A GDPR request does not automatically suspend court or other important deadlines.
What can I do myself for free?
The statutory information and other rights of those affected can generally be exercised without DATA CHECK. The Austrian data protection authority offers samples that can be used free of charge. Private technical form preparation is only a voluntary additional service, not a prerequisite for exercising your rights.
According to the recommendation of the Austrian data protection authority, you should first request information and, if necessary, only then separately request correction or deletion. In principle, a request for information must be responded to within one month; a legally permissible extension is possible.
Frequent question
Can information force an account to be opened?
No. Information clarifies stored data; Contractual claims require an independent examination.
Public sources and official contact points
The following links lead directly to public sources. DATENCHECK is neither affiliated with the credit agencies mentioned there nor is it an authority.
- Austrian data protection authority – rights of those affected
- Data Protection Authority – free forms and samples
Prepare appropriate request
You can use the free official channels yourself or prepare a technical draft form in DATENCHECK. We do not guarantee deletion, credit decision or government decision.
Private service · No legal advice · No government connection
