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Payment Cards & Services

Our competitive advantage lies in our proprietary hardware operating system, which is embedded with advanced security features. Our products are certified by Visa and Mastercard, ensuring the highest standards of quality and security. Explore our extensive payment solutions, including EMV cards, metal cards, sustainable options, and cutting-edge innovations like biometric authentication and smart wearables. We also offer personalized services, gift and loyalty cards, and secure e-PIN options, empowering businesses to elevate customer experiences while ensuring smooth and secure transactions.

AUSTRIACARD’s ACE payment chip product portfolio is fully compliant to the latest EMV specifications and provides a wide set of EMV functionalities. From native to Java Card product lines – AUSTRIACARD’s experts are putting together tailor-made and best-in-class solutions applying contact-based, contactless or dual interface technology.

The operating system is the heart of smart cards. We at AUSTRIACARD know that it is essential to have the right card in the right place offering native as well as open operating systems.

ACOS, AUSTRIACARD’s native operating system, is available for contact-based, contactless and dual interface solutions. ACOS forms a closed system and consequently offers extra security. Our in-house development team is flexible to your needs and provides customized applications and functionalities for your payment cards. All open systems contained in the payment product range guarantee absolute independence. Standardized applications ensure international compatibility and leave ample space for all kinds of adaptations.

Benefits

The operating system is the heart of every smart card.  ACOS, AUSTRIACARD’s native operating system, is available for contact-based, contactless and dual interface 
solutions. 

ACOS forms a closed system and consequently offers extra security. Our in-house development team is flexible to the needs of our customers and provides customized applications and functionalities. All open systems contained in the payment product range guarantee absolute independence. Standardized applications ensure international compatibility and leave ample space for all kinds of adaptations. 

Stellar Metal Card Collection Innovation Illuminated

Redefine What a Payment Card Can Be

Metal is no longer just a material — it’s a statement. AUSTRIACARD HOLDINGS’ Stellar Metal Card Collection brings together five precision-engineered products that push the boundaries of premium payment. Built for financial institutions and fintechs ready to offer their customers something extraordinary.

The Collection

Metal Prime The benchmark of metal card craftsmanship. Metal Prime combines premium weight and elegant finish with mechanical and laser engraving technology that renders every detail with permanent precision. A card that commands attention — at every touchpoint.

Boned Metal Where structural innovation meets sophisticated design. Boned Metal merges the strength of metal with flexible card manufacturing possibilities, delivering an entry-level premium product with the unmistakable resonance of metal. Smart engineering, striking results.

Full Metal Edge to edge. No compromise. Full Metal is pure metal construction at its most uncompromising — delivering a unique premium weight and a card experience that speaks directly to the future of payment.

Gold Mirror Prestige, reflected. The Gold Mirror card features a flawless mirror finish that transforms a payment instrument into a collectible object of desire. For issuers who want their card to be remembered long after the transaction.

LED Metal The most technologically advanced card in the collection. An integrated LED light activates at the moment of payment, turning every transaction into a brand experience. This is Innovation Illuminated — in its most literal form.

Built-In Excellence, Across Every Card

Every product in the Stellar Metal Card Collection is engineered with a shared set of premium capabilities:

  • Precision Engraving — Laser and mechanical engraving techniques for cardholder data, brand identity, and intricate design details, rendered with exceptional accuracy.
  • Infinite Customisation — Full design flexibility to align each card with your brand identity, from finish to form.
  • Tactile Graphics — Multi-dimensional surface treatments that reinforce brand values through touch.
  • Mirror Finish — Available on select models for an immaculate reflective surface that signals premium positioning instantly.
  • Integrated LED Light — Exclusive to the LED card, adding a new dimension of interactivity to the payment moment.
  • Premium Weight & Metallic Resonance — Every card is engineered to deliver a distinctive weight and sound that signals quality with every use.

Our commitment to the preservation of the environment and to AC group responsibility towards the society has led us to adapt our materials and manufacturing processes from a sustainability perspective. This ensures that we operate in a manner that minimizes our ecological footprint in line with the actual society concerns. 

Our Recycled PVC cards (rPVC) are made of post-manufacturing material coming from different industries. By issuing a card with rPVC, you will be contributing to the reduction of first-use PVC in the payment industry. 

We have been granted with VISA & MC certifications for cards made of rPVC as well as MC Sustainable Card Badge certification

Benefits

rPVC behaviour during manufacturing is exactly the same as first use PVC; The same effects and finishes can be achieved in a rPVC card. PVC and rPVC have the same durability.

PLA card: 

  • The card body is composed entirely of corn-based plastic.
  • Biodegradable and compostable, minimizing long-term environmental impact.
  • Made from renewable resources, decreasing dependence on fossil fuels.
  • Generates fewer toxic byproducts throughout its lifecycle.
  • Offers an excellent cost-to-value ratio.
  • No restrictions on color or effects during production.
  • This PLA card body has received official approval from Mastercard through the Card Structure and Integrity Program (CSI). This certification verifies its outstanding durability and long-term performance in the field, adhering to Mastercard’s strict CQM quality standards.
  • Visa certification as of Q3 2025
  • PLA is the most widely used bioplastic and has proven technology.
  • Degradable* and free from halogens.
     

*Under industrial composting conditions or in soil (with appropriate humidity, microorganisms, and temperature), degradation occurs within a timeframe of weeks to months.

Special Inks, foils, edge decoration, features, varnishes, visually impaired cards

We manufacture cards with unique characteristics using our deep knowledge in printing techniques and our expertise in card production.  

We will accompany you throughout the design process of your card, selecting the right effects in each case to achieve the card that you had to envision or to take it to a higher level.  

Contact us for more detailed information on the printing and production possibilities we can propose you to enhance and make your card designs unique. 

Products

  • Coloured cores / Decorated edges:
    Make your cards stand out the wallet of your customers by adding a colour on the edge of the card. You can get that with a coloured core or with a new technique consisting of adding a color to the edge of the card.
    A wide range of pantone colors are available, including metallic effects in silver, silver holographic, gold, and fluorescent colors that will bring a WOW effect to the cards.

  • Metallic radiance
    Add the radiance of metal to your cards. The card design is printed on top of a metallic foil, the result is a dazzling metallic effect that can cover the whole card or only parts of it. Light bounces off the metallic surface and enhances the visual aspect of the card. This effect is available in plain metallic and in holographic. Try the holographic for an astonishing result.

  • Translucent
    Translucent cards offer multiple design and colour possibilities. Cards can be completely translucent or can alternate opaque and translucent  areas to increase the light and solid effect on the cards. Translucent cards incorporate a feature to securitize their operability in ATM and POS machine.

  • Special inks
    Inks with metallic particles, variable inks that will change of colour with the movement of the card, fluorescent and phosphorescent ink… many other inks are available we know how to use them to match your design expectations.

  • Matt & Gloss
    Consists of the printing of a scratch resistant varnish on top of the laminated sheets. Varnish will highlight parts of the design, providing contrast between the varnished and non-varnished areas. Combined with polished or matt lamination, contrasts are truly boosted.

  • 3D effects
    Add some deepness to your cards using the 3D effect. A complex printing technique that will create a 3D effect in certain areas of the card. The outcome is a card where selected elements are stylishly coming out from the design.

  • Magnetic stripes
    Magnetic stripes are too often neglected in the card designs; add a coloured magnetic stripe to your cards or take advantage of this space by overprinting the magnetic stripe with some information for your customers (web page, phone number…). Use a magstripe to the edge of the card for a more minimalistic effect in the back.

Our N-BioCard is a Dual interface payment card that incorporates an extra layer of security in the payment transactions. Cardholders approve the transactions via a fingerprint sensor embedded in the card instead of introducing a PIN in the terminal. 

N-BioCard is an innovative payment solution addressing the security concerns of many cardholders. 

Surveys show the willingness of cardholders to pay additional fees to obtain a biometric card, they are a new source of revenue for issuers. 

Benefits

  • Convenient: no payment limit for a contactless transaction
  • Hygienic: no need to touch the pad numbers in the POS
  • Secure: if the card is lost/stolen, as the fingerprint authentication is always required, no low-value contactless payments will be possible.
How it works

Payments with our N-BioCard are done by tapping the card into the POS terminal just like a regular card; the difference is the authentication method. All transactions with N-BioCard, no matter for which amount, require fingerprint authentication. This authentication is achieved by pressing the fingerprint sensor when tapping the POS terminal. PIN code can still be used with N-BioCard as a fallback solution whenever the customer’s fingerprint can’t be used. 

Fingerprint enrolment

The first step to be able to use N-BioCard is to enrol the fingerprint data in the card. The process of enrolment is straightforward and can be done anywhere by the cardholder using a sleeve or a mobile application. Enrolment is done in few seconds, once completed the card is ready to be used. 

The fingerprint data is securely stored only in the Secure Element of the card to ensure that cardholder’s data is protected. Biometric data never leaves the card. 

AC contactless wearable is a bank card with the size of a SIM, a new EMV payment solution that gives you freedom to pay fast and easy with a simple tap on any POS. 
Contactless wearables are delivered in CR-80 card format to enable their personalization with standard contactless card personalization equipment. 

Wearables are an additional payment device that may be proposed as a companion to a Dual Interface card or as a separate standalone product. 

The contactless wearable can be inserted in a large choice of form factors, such as wristbands, bracelets, watchstraps, keyrings or any other devices that you fancy, as long as they are not made of metal. 

Benefits

A convenient means of payment for festivals, outdoor activities and everyday life. 

How it works

To use the contactless wearable, you just need to snap the card wearable from the shuttle-card and introduce it in the form factor of your choice. That easy! Your customer is ready to pay!

Gift cards are a staple business marketing tool and a preferred gift of choice for consumers. Working with a capable gift card manufacturer is vital to ensuring the success of your campaign. We work with retailers and other businesses to ensure their gift cards and accompanying carriers are of the highest quality, while also ensuring the look and feel is appealing to the audience. 

We can work with you from initial concept creation, right through to the fulfilment of the cards to the customer. Offering you a full suite of gift card solutions and allowing you to pick which services you need our help with whether it be just card production or if you need a full-service vendor. We even offer white-label eCommerce gift card design, order and fulfilment platforms to enable you to reach customers online as well as in-store.

Our customised digital egift solution bridges the gap in retail gift card service models for the ultimate retail consumer & business gift card experience on-line through our proprietary webshop and back-end services. 
Incorporate Loyalty cards into your product portfolio and incentivise, reward and retain your customers with plastic printed loyalty cards and membership cards, we can handle the full in-house production from loyalty card printing through to encoding, embossing, thermal printing and inkjetting your products.

We support you to ensure your loyalty card scheme meets the needs of your customer such as ensuring you choose the correct card type, whether that be a standard CR80, key fobs, or a choice from a range of custom shapes. We can also help you with carrier production and fulfilment of your loyalty cards to your customers. 

AUSTRIACARD has more than 30 years of experience in card personalization. Currently the group operates nine personalization centers as well as an unrivalled distribution network all over Europe, the MEA region and South America. Having established such multinational infrastructure enables mutual backup and DR opportunities but most importantly optimized delivery capacity, distribution channels, and short lead times.
All personalization premises are certified, among others, by Visa and Mastercard.  AUSTRIACARD offers ready-to-use personalization solutions for the ACE product lines. 

The different personalization services 

  • All-in-one card personalization
    • Chip personalization along with software modules.
    • Data management system.
    • Carrier printing.
    • Support for a number of desktop personalization machines.
  • Chip personalization
    • Personalisation software modules.
    • EMV data preparation services and consulting.
    • Personalisation test tools. 
  • Magnetic stripe encoding
  • Optical personalization
      • Embossing
      • Indent printing
      • Laser Engraving
      • Thermo printing
      • Custom card printing
    • Lettershop fulfilment 

A large part of the carrier and advertising material accompanying the cards is printed on premise leading to shorter response times. Special packaging or fulfilment services can be provided.  

We have developed flexible and secure methods for PIN Distribution in order to assist customers to meet new mobile-centric consumer’s expectations and at the same time increase loyalty of customers and enabling instant response to their requests. 

Using either two- or three- factor authentication processes AUSTRIACARD offers the following methods for PIN transmission:

  • PIN over SMS 
  • PIN via Email
  • PIN via App 

Benefits

  • Secure
  • Fast 
  • Cost saving 
Memberships
Certifications
Relevant news
Joining a circular economy initiative: The Closed Loop Project
Recycled Manufactured Plastic Cards: A Sustainable Choice
Biometrics Card
Introducing Our New Corn-Based 100% PLA Card: A Sustainable Solution for a Greener Future

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DISCLAIMER

You should read the following important notice before accessing, reading or using in any way the Prospectus on this website.

This Prospectus of the company under the corporate name “AUSTRIACARD HOLDINGS AG” (hereafter the “Company”) which can be accessed through this link (https://www.nbg.gr/el/footer/enimerwtika-deltia) of the website of NATIONAL BANK OF GREECE S.A., was approved by the Board of Directors of the Hellenic Capital Market Commission on 24.01.2023 and relates to the dual listing of the shares in the Company on the Regulated Market of the Athens Exchange and the Regulated Market of the Vienna Stock Exchange, including (a) the existing shares in the Company and (b) the new shares in the Company to be issued in the context of a capital increase due to the merger by absorption by the Company of the company under the corporate name “INFORM P. LYKOS HOLDINGS S.A.” (hereinafter collectively referred to as the “Shares”).

The Prospectus is not published in relation to and does not constitute offer of Shares by or on behalf of the Company.

The Prospectus was approved by the Board of Directors of the Hellenic Capital Market Commission following its transfer by the Austrian Financial Market Authority pursuant to article 20(8) of Regulation (EU) 2017/1129, in connection with the information that must be furnished to investors as required under Regulation (EU) 2017/1129, Greek law 4706/2020 and Delegated Regulations (EU) 2019/979 and 2019/980, as amended and in force. The aforementioned approval shall not be considered as an endorsement of the Company and the quality of the Shares that are the subject of the Prospectus. Investment in the Shares entails risks. Investors should make their own assessment as to the suitability of investing in the Shares.

The Prospectus will be valid for one (1) year from the date of its approval by the Board of Directors of the Hellenic Capital Market Commission. Each significant new factor, material mistake, or material inaccuracy relating to the information included in the Prospectus which may affect the assessment of the Shares in the Company and which arises or is noted between the time when the Prospectus is approved and the commencement of trading of the Shares on the Regulated Market of the Athens Exchange and the Regulated Market of the Vienna Stock Exchange, will be included in a supplement to the Prospectus which will be published in accordance with article 23 of the Regulation 2017/1129 on the Prospectus, in accordance with at least the same arrangements made for the publication of the Prospectus. No obligation for the publication of a supplement to the Prospectus applies after the commencement of trading of the Shares on the Regulated Market of the Athens Exchange and the Regulated Market of the Vienna Stock Exchange.

Distribution of the Prospectus and any other documents or information contained in this link and this webpage may be in general restricted by the law and the regulatory framework applicable in some countries. This webpage and its content do not in any way constitute an offer for sale or solicitation to buy any securities in any jurisdiction where such offer or solicitation is unlawful under its applicable legislative and regulatory framework.

Finally, investors outside of Greece and Austria or investors subject to the relevant legislation and jurisdiction of other countries may be prohibited to exercise any rights deriving from the Shares, regardless of whether they acquire Shares in any way. If you are viewing this website from the USA, Canada, South Africa, Australia, Japan and / or any other country other than Greece and Austria, where the information provided in the Prospectus is not permitted by the law, please leave this website.

See the document here
DISCLAIMER

You should read the following important notice before accessing, reading or using in any way the Prospectus on this website.

This Prospectus of the company under the corporate name “AUSTRIACARD HOLDINGS AG” (hereafter the “Company”) which can be accessed through this link (https://www.nbg.gr/el/footer/enimerwtika-deltia) of the website of NATIONAL BANK OF GREECE S.A., was approved by the Board of Directors of the Hellenic Capital Market Commission on 24.01.2023 and relates to the dual listing of the shares in the Company on the Regulated Market of the Athens Exchange and the Regulated Market of the Vienna Stock Exchange, including (a) the existing shares in the Company and (b) the new shares in the Company to be issued in the context of a capital increase due to the merger by absorption by the Company of the company under the corporate name “INFORM P. LYKOS HOLDINGS S.A.” (hereinafter collectively referred to as the “Shares”).

The Prospectus is not published in relation to and does not constitute offer of Shares by or on behalf of the Company.

The Prospectus was approved by the Board of Directors of the Hellenic Capital Market Commission following its transfer by the Austrian Financial Market Authority pursuant to article 20(8) of Regulation (EU) 2017/1129, in connection with the information that must be furnished to investors as required under Regulation (EU) 2017/1129, Greek law 4706/2020 and Delegated Regulations (EU) 2019/979 and 2019/980, as amended and in force. The aforementioned approval shall not be considered as an endorsement of the Company and the quality of the Shares that are the subject of the Prospectus. Investment in the Shares entails risks. Investors should make their own assessment as to the suitability of investing in the Shares.

The Prospectus will be valid for one (1) year from the date of its approval by the Board of Directors of the Hellenic Capital Market Commission. Each significant new factor, material mistake, or material inaccuracy relating to the information included in the Prospectus which may affect the assessment of the Shares in the Company and which arises or is noted between the time when the Prospectus is approved and the commencement of trading of the Shares on the Regulated Market of the Athens Exchange and the Regulated Market of the Vienna Stock Exchange, will be included in a supplement to the Prospectus which will be published in accordance with article 23 of the Regulation 2017/1129 on the Prospectus, in accordance with at least the same arrangements made for the publication of the Prospectus. No obligation for the publication of a supplement to the Prospectus applies after the commencement of trading of the Shares on the Regulated Market of the Athens Exchange and the Regulated Market of the Vienna Stock Exchange.

Distribution of the Prospectus and any other documents or information contained in this link and this webpage may be in general restricted by the law and the regulatory framework applicable in some countries. This webpage and its content do not in any way constitute an offer for sale or solicitation to buy any securities in any jurisdiction where such offer or solicitation is unlawful under its applicable legislative and regulatory framework.

Finally, investors outside of Greece and Austria or investors subject to the relevant legislation and jurisdiction of other countries may be prohibited to exercise any rights deriving from the Shares, regardless of whether they acquire Shares in any way. If you are viewing this website from the USA, Canada, South Africa, Australia, Japan and / or any other country other than Greece and Austria, where the information provided in the Prospectus is not permitted by the law, please leave this website.

See the document here
DISCLAIMER

You should read the following important notice before accessing, reading or using in any way the Prospectus on this website.

This Prospectus of the company under the corporate name “AUSTRIACARD HOLDINGS AG” (hereafter the “Company”) which can be accessed through this link (https://www.nbg.gr/el/footer/enimerwtika-deltia) of the website of NATIONAL BANK OF GREECE S.A., was approved by the Board of Directors of the Hellenic Capital Market Commission on 24.01.2023 and relates to the dual listing of the shares in the Company on the Regulated Market of the Athens Exchange and the Regulated Market of the Vienna Stock Exchange, including (a) the existing shares in the Company and (b) the new shares in the Company to be issued in the context of a capital increase due to the merger by absorption by the Company of the company under the corporate name “INFORM P. LYKOS HOLDINGS S.A.” (hereinafter collectively referred to as the “Shares”).

The Prospectus is not published in relation to and does not constitute offer of Shares by or on behalf of the Company.

The Prospectus was approved by the Board of Directors of the Hellenic Capital Market Commission following its transfer by the Austrian Financial Market Authority pursuant to article 20(8) of Regulation (EU) 2017/1129, in connection with the information that must be furnished to investors as required under Regulation (EU) 2017/1129, Greek law 4706/2020 and Delegated Regulations (EU) 2019/979 and 2019/980, as amended and in force. The aforementioned approval shall not be considered as an endorsement of the Company and the quality of the Shares that are the subject of the Prospectus. Investment in the Shares entails risks. Investors should make their own assessment as to the suitability of investing in the Shares.

The Prospectus will be valid for one (1) year from the date of its approval by the Board of Directors of the Hellenic Capital Market Commission. Each significant new factor, material mistake, or material inaccuracy relating to the information included in the Prospectus which may affect the assessment of the Shares in the Company and which arises or is noted between the time when the Prospectus is approved and the commencement of trading of the Shares on the Regulated Market of the Athens Exchange and the Regulated Market of the Vienna Stock Exchange, will be included in a supplement to the Prospectus which will be published in accordance with article 23 of the Regulation 2017/1129 on the Prospectus, in accordance with at least the same arrangements made for the publication of the Prospectus. No obligation for the publication of a supplement to the Prospectus applies after the commencement of trading of the Shares on the Regulated Market of the Athens Exchange and the Regulated Market of the Vienna Stock Exchange.

Distribution of the Prospectus and any other documents or information contained in this link and this webpage may be in general restricted by the law and the regulatory framework applicable in some countries. This webpage and its content do not in any way constitute an offer for sale or solicitation to buy any securities in any jurisdiction where such offer or solicitation is unlawful under its applicable legislative and regulatory framework.

Finally, investors outside of Greece and Austria or investors subject to the relevant legislation and jurisdiction of other countries may be prohibited to exercise any rights deriving from the Shares, regardless of whether they acquire Shares in any way. If you are viewing this website from the USA, Canada, South Africa, Australia, Japan and / or any other country other than Greece and Austria, where the information provided in the Prospectus is not permitted by the law, please leave this website.

See the document here
DISCLAIMER

You should read the following important notice before accessing, reading or using in any way the Prospectus on this website.

This Prospectus of the company under the corporate name “AUSTRIACARD HOLDINGS AG” (hereafter the “Company”) which can be accessed through this link (https://www.nbg.gr/el/footer/enimerwtika-deltia) of the website of NATIONAL BANK OF GREECE S.A., was approved by the Board of Directors of the Hellenic Capital Market Commission on 24.01.2023 and relates to the dual listing of the shares in the Company on the Regulated Market of the Athens Exchange and the Regulated Market of the Vienna Stock Exchange, including (a) the existing shares in the Company and (b) the new shares in the Company to be issued in the context of a capital increase due to the merger by absorption by the Company of the company under the corporate name “INFORM P. LYKOS HOLDINGS S.A.” (hereinafter collectively referred to as the “Shares”).

The Prospectus is not published in relation to and does not constitute offer of Shares by or on behalf of the Company.

The Prospectus was approved by the Board of Directors of the Hellenic Capital Market Commission following its transfer by the Austrian Financial Market Authority pursuant to article 20(8) of Regulation (EU) 2017/1129, in connection with the information that must be furnished to investors as required under Regulation (EU) 2017/1129, Greek law 4706/2020 and Delegated Regulations (EU) 2019/979 and 2019/980, as amended and in force. The aforementioned approval shall not be considered as an endorsement of the Company and the quality of the Shares that are the subject of the Prospectus. Investment in the Shares entails risks. Investors should make their own assessment as to the suitability of investing in the Shares.

The Prospectus will be valid for one (1) year from the date of its approval by the Board of Directors of the Hellenic Capital Market Commission. Each significant new factor, material mistake, or material inaccuracy relating to the information included in the Prospectus which may affect the assessment of the Shares in the Company and which arises or is noted between the time when the Prospectus is approved and the commencement of trading of the Shares on the Regulated Market of the Athens Exchange and the Regulated Market of the Vienna Stock Exchange, will be included in a supplement to the Prospectus which will be published in accordance with article 23 of the Regulation 2017/1129 on the Prospectus, in accordance with at least the same arrangements made for the publication of the Prospectus. No obligation for the publication of a supplement to the Prospectus applies after the commencement of trading of the Shares on the Regulated Market of the Athens Exchange and the Regulated Market of the Vienna Stock Exchange.

Distribution of the Prospectus and any other documents or information contained in this link and this webpage may be in general restricted by the law and the regulatory framework applicable in some countries. This webpage and its content do not in any way constitute an offer for sale or solicitation to buy any securities in any jurisdiction where such offer or solicitation is unlawful under its applicable legislative and regulatory framework.

Finally, investors outside of Greece and Austria or investors subject to the relevant legislation and jurisdiction of other countries may be prohibited to exercise any rights deriving from the Shares, regardless of whether they acquire Shares in any way. If you are viewing this website from the USA, Canada, South Africa, Australia, Japan and / or any other country other than Greece and Austria, where the information provided in the Prospectus is not permitted by the law, please leave this website.

See the document here
DISCLAIMER

You should read the following important notice before accessing, reading or using in any way the Prospectus on this website.

This Prospectus of the company under the corporate name “AUSTRIACARD HOLDINGS AG” (hereafter the “Company”) which can be accessed through this link (https://www.nbg.gr/el/footer/enimerwtika-deltia) of the website of NATIONAL BANK OF GREECE S.A., was approved by the Board of Directors of the Hellenic Capital Market Commission on 24.01.2023 and relates to the dual listing of the shares in the Company on the Regulated Market of the Athens Exchange and the Regulated Market of the Vienna Stock Exchange, including (a) the existing shares in the Company and (b) the new shares in the Company to be issued in the context of a capital increase due to the merger by absorption by the Company of the company under the corporate name “INFORM P. LYKOS HOLDINGS S.A.” (hereinafter collectively referred to as the “Shares”).

The Prospectus is not published in relation to and does not constitute offer of Shares by or on behalf of the Company.

The Prospectus was approved by the Board of Directors of the Hellenic Capital Market Commission following its transfer by the Austrian Financial Market Authority pursuant to article 20(8) of Regulation (EU) 2017/1129, in connection with the information that must be furnished to investors as required under Regulation (EU) 2017/1129, Greek law 4706/2020 and Delegated Regulations (EU) 2019/979 and 2019/980, as amended and in force. The aforementioned approval shall not be considered as an endorsement of the Company and the quality of the Shares that are the subject of the Prospectus. Investment in the Shares entails risks. Investors should make their own assessment as to the suitability of investing in the Shares.

The Prospectus will be valid for one (1) year from the date of its approval by the Board of Directors of the Hellenic Capital Market Commission. Each significant new factor, material mistake, or material inaccuracy relating to the information included in the Prospectus which may affect the assessment of the Shares in the Company and which arises or is noted between the time when the Prospectus is approved and the commencement of trading of the Shares on the Regulated Market of the Athens Exchange and the Regulated Market of the Vienna Stock Exchange, will be included in a supplement to the Prospectus which will be published in accordance with article 23 of the Regulation 2017/1129 on the Prospectus, in accordance with at least the same arrangements made for the publication of the Prospectus. No obligation for the publication of a supplement to the Prospectus applies after the commencement of trading of the Shares on the Regulated Market of the Athens Exchange and the Regulated Market of the Vienna Stock Exchange.

Distribution of the Prospectus and any other documents or information contained in this link and this webpage may be in general restricted by the law and the regulatory framework applicable in some countries. This webpage and its content do not in any way constitute an offer for sale or solicitation to buy any securities in any jurisdiction where such offer or solicitation is unlawful under its applicable legislative and regulatory framework.

Finally, investors outside of Greece and Austria or investors subject to the relevant legislation and jurisdiction of other countries may be prohibited to exercise any rights deriving from the Shares, regardless of whether they acquire Shares in any way. If you are viewing this website from the USA, Canada, South Africa, Australia, Japan and / or any other country other than Greece and Austria, where the information provided in the Prospectus is not permitted by the law, please leave this website.

See the document here
DISCLAIMER

You should read the following important notice before accessing, reading or using in any way the Prospectus on this website.

This Prospectus of the company under the corporate name “AUSTRIACARD HOLDINGS AG” (hereafter the “Company”) which can be accessed through this link (https://www.nbg.gr/el/footer/enimerwtika-deltia) of the website of NATIONAL BANK OF GREECE S.A., was approved by the Board of Directors of the Hellenic Capital Market Commission on 24.01.2023 and relates to the dual listing of the shares in the Company on the Regulated Market of the Athens Exchange and the Regulated Market of the Vienna Stock Exchange, including (a) the existing shares in the Company and (b) the new shares in the Company to be issued in the context of a capital increase due to the merger by absorption by the Company of the company under the corporate name “INFORM P. LYKOS HOLDINGS S.A.” (hereinafter collectively referred to as the “Shares”).

The Prospectus is not published in relation to and does not constitute offer of Shares by or on behalf of the Company.

The Prospectus was approved by the Board of Directors of the Hellenic Capital Market Commission following its transfer by the Austrian Financial Market Authority pursuant to article 20(8) of Regulation (EU) 2017/1129, in connection with the information that must be furnished to investors as required under Regulation (EU) 2017/1129, Greek law 4706/2020 and Delegated Regulations (EU) 2019/979 and 2019/980, as amended and in force. The aforementioned approval shall not be considered as an endorsement of the Company and the quality of the Shares that are the subject of the Prospectus. Investment in the Shares entails risks. Investors should make their own assessment as to the suitability of investing in the Shares.

The Prospectus will be valid for one (1) year from the date of its approval by the Board of Directors of the Hellenic Capital Market Commission. Each significant new factor, material mistake, or material inaccuracy relating to the information included in the Prospectus which may affect the assessment of the Shares in the Company and which arises or is noted between the time when the Prospectus is approved and the commencement of trading of the Shares on the Regulated Market of the Athens Exchange and the Regulated Market of the Vienna Stock Exchange, will be included in a supplement to the Prospectus which will be published in accordance with article 23 of the Regulation 2017/1129 on the Prospectus, in accordance with at least the same arrangements made for the publication of the Prospectus. No obligation for the publication of a supplement to the Prospectus applies after the commencement of trading of the Shares on the Regulated Market of the Athens Exchange and the Regulated Market of the Vienna Stock Exchange.

Distribution of the Prospectus and any other documents or information contained in this link and this webpage may be in general restricted by the law and the regulatory framework applicable in some countries. This webpage and its content do not in any way constitute an offer for sale or solicitation to buy any securities in any jurisdiction where such offer or solicitation is unlawful under its applicable legislative and regulatory framework.

Finally, investors outside of Greece and Austria or investors subject to the relevant legislation and jurisdiction of other countries may be prohibited to exercise any rights deriving from the Shares, regardless of whether they acquire Shares in any way. If you are viewing this website from the USA, Canada, South Africa, Australia, Japan and / or any other country other than Greece and Austria, where the information provided in the Prospectus is not permitted by the law, please leave this website.

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