How to analyze your Raiffeisen statement and find the leaks

Where money quietly leaks with Raiffeisen

Raiffeisen is a broad, full-service bank across Austria and Central and Eastern Europe, but every account has corners where money escapes without a decision. The usual suspects:

• The monthly account-package fee (Kontofuehrung / account package). Your account bundles a set of services into one monthly price. If you only use a fraction of what the package includes, you are paying for the rest every single month.
• Card fees. A debit or credit card can carry its own yearly fee, and it keeps charging whether or not you still use the card the way you did when you signed up.
• Foreign-ATM and non-euro transaction fees. Withdrawing cash abroad or paying in another currency can add a percentage fee and a fixed charge, easy to miss while you are travelling.
• Recurring direct debits and subscriptions. Streaming, apps, memberships, insurance add-ons and trials that quietly became paid plans all pile up as direct debits on the same statement.

Here is an illustrative picture of how small, easy to ignore amounts turn into a real yearly figure. These numbers are examples only, not statistics, your own statement will tell the truth.

None of these lines would alarm you on their own. Together, on an illustrative basis, they are the cost of a long weekend away, paid out in pieces small enough to ignore.

Upload your Raiffeisen statement and see your real number, free ›

What FLOW finds in your Raiffeisen statement

FLOW reads the file you exported and turns a wall of transactions into a short, honest list of where your money actually goes. From a single Raiffeisen statement it surfaces:

1. Recurring payments. Every charge that repeats on a schedule, including each direct debit, grouped together so you can see your true monthly commitments at a glance.
2. Forgotten subscriptions. The trials that became paid plans and the services you stopped using but never cancelled.
3. The yearly cost of fees. Account-package, card and ATM fees projected across twelve months, so a few euros here and there become one number you can react to.
4. Your top leaks, ranked. The biggest savings first, so you fix the things that matter and ignore the noise.

It does not lecture you and it does not need a single password. You stay in control: FLOW shows you the leaks, you decide what to cancel, downgrade or keep.

Turn the report into recovered money

A list of leaks is only useful if it leads to action. The workflow is simple:

1. Cancel what you no longer use. Start at the top of the ranked list, the forgotten subscriptions are usually the fastest wins.
2. Match the package to your real use. If the monthly account-package fee shows up and you only use part of what it bundles, check whether a lighter account fits you better.
3. Change your cash habits. If foreign-ATM fees appear, withdraw less often in larger amounts and avoid paying in another currency where you can.
4. Redirect the savings. Send the money you recover straight into savings or a buffer, before it quietly leaks somewhere else.

FLOW is in early access, so you are getting in before the crowd, and your first report is free. There is no bank connection to set up and nothing to install. You upload one statement, you get one clear answer: what your Raiffeisen account is really costing you.

See what your Raiffeisen account is really costing you, free ›