SWIFT/BIC codes in Austria: banks starting with A

Bank SWIFT codes for Austria

For Austria we have 1191 SWIFT/BIC codes. You will need a SWIFT/BIC code mainly for international transfers, and especially for payments in foreign currencies.

Look for the recipient’s bank in the list and open its page to see the full list of codes. The rest of this page covers the structure of the codes, the cost of transfers and how to avoid mistakes before you send money.

Austria and the Euro

The currency of Austria is the Euro (EUR). If you send money in a different currency, the amount gets converted somewhere along the way.

Who converts the money matters: every bank has its own margin. In many cases you pay less to send EUR directly via a transfer service with a good rate so the receiving bank does not need to convert again. On larger amounts, a seemingly small gap in the rate adds up quickly.

Recognising a SWIFT code from Austria

A SWIFT code is 8 or 11 characters long and the parts always come in the same order. First comes a four-letter bank code, then two letters for the country and a two-character location code.

In every code from Austria, letters five and six are the two-letter ISO code of Austria, which makes these codes easy to recognise. A code with a different country code belong to another country – a quick way to catch mistakes.

If the last three are XXX, it means the main office, and the 8-character version leads to the same place. Use a branch code just if the recipient’s bank asks for it; otherwise the head office code is the safe choice.

Verifying a SWIFT code from Austria

The most reliable source for the BIC is the recipient’s own bank details – an invoice, a statement or a screenshot from online banking. A wrong code may lead to a delay, a payment being sent back or additional charges.

We gather bank codes from public sources and update them regularly. Institutions reorganise, close branches and retire codes, and no directory catches every change immediately. Treat our data as a starting point, not as the final word. GoldexPay is not a bank.

Fraudsters often send payment requests carrying changed bank details that look completely genuine. A valid BIC tells you nothing about whether a request is genuine – scammers use the codes of real banks.

Banks in Austria beginning with the letter :letter

You are looking at a filtered list: only institutions in Austria with a name starting with :letter. The counts in the introduction still cover the whole country, not just this letter.

Bank not listed? Its official name might begin with another word, for example the full legal name rather than a brand name. The complete list is available when you cannot find the bank here.

Getting paid from abroad into an account in Austria

For an international payment into a Austria account, the sender needs more than the BIC. Give them the account holder’s name, your account number or IBAN, your bank’s SWIFT code and your address, which some banks require.

The code of your bank is in our list but always compare it with your own bank details. You can include your bank’s name and city as well.

What lands in your account is often lower than what was sent. Intermediary banks may deduct a fee, your bank may charge for incoming payments, and when currencies differ, an exchange rate margin applies. Agree with the sender who pays which costs.

Sending money to Austria for less

A bank transfer to Austria can cost rather more than you think. On top of a fixed fee, intermediary banks may deduct a charge, and when the money is converted the bank often applies a less favourable rate than the real market rate.

That exchange rate margin tends to be the largest part of the cost because it is hidden in the rate. Check the bank’s rate against the mid-market rate that you find on financial sites.

For many routes, a transfer service turns out to be cheaper than a traditional bank transfer – mostly thanks to the exchange rate. GoldexPay compares transfer services side by side so you can see the amount that reaches the recipient before you commit.

When does money sent to Austria arrive?

There is no single delivery time for transfers to Austria: many arrive within a day, others take several business days. Payments made late in the day or on a weekend or public holiday usually go out a business day later.

Many banks are connected to SWIFT gpi. Every gpi transfer gets a unique reference, the UETR. Keep the payment confirmation until the recipient confirms – you will need it if something goes wrong.

SEPA transfers to Austria

Because Austria is part of SEPA, a euro transfer to a bank in Austria normally only needs the IBAN. Many banks no longer ask for the BIC in that case.

You will still need the BIC when sending payments in other currencies or transfers from countries outside SEPA. Euro payments within SEPA usually arrive by the next business day. Provided the payment stays in euros, a SEPA transfer tends to be inexpensive.

The largest SWIFT network in Austria: Unicredit Bank Austria AG

Unicredit Bank Austria AG leads our list of Austria banks when it comes to the number of SWIFT/BIC codes. The head office of Unicredit Bank Austria AG has BKAUATWWXXX and that code covers most payments.

How many codes a bank has tells you more about how it organises its payments than about how big it is. Paying someone at Unicredit Bank Austria AG? Go with BKAUATWWXXX except when the recipient gives you a branch code.