500 Gulden

The Oesterreichisch-Ungarische Escompte- und Creditbank was one of the major Viennese commercial banks operating under the Dual Monarchy's financial framework, distinct from the Austro-Hungarian Bank that held note-issuing privilege. A 500 Gulden denomination from a private commercial bank suggests this was almost certainly a commercial instrument — a promissory note, draft, or bearer document — rather than circulating currency in the public sense. The Gulden itself was replaced by the Krone at a 1:2 ratio in 1892.

A. Hatz & Söhne was an established Viennese printing firm that handled commercial and financial documents. The unlisted Pick reference means surviving examples are rare enough that no standard classification exists.