Allgemeine Sparkasse Oberoesterreich Bankaktiengesellschaft SWIFT/BIC code

ASPKAT2L – the SWIFT/BIC code of Allgemeine Sparkasse Oberoesterreich Bankaktiengesellschaft

ASPKAT2L and ASPKAT2LXXX are two ways of writing the same bank identifier, and both lead to Allgemeine Sparkasse Oberoesterreich Bankaktiengesellschaft in Linz. A BIC has a single purpose: it ensures that a cross-border transfer reaches the right bank. In practice you mostly come across it on invoices from abroad, in your banking app and in the bank details of Allgemeine Sparkasse Oberoesterreich Bankaktiengesellschaft customers.

This page is meant to help anyone who sends money to an account at Allgemeine Sparkasse Oberoesterreich Bankaktiengesellschaft and wants to get the details right. The SWIFT code alone cannot identify an individual account holder; for that you need the IBAN or account number .

Paying into Allgemeine Sparkasse Oberoesterreich Bankaktiengesellschaft in EUR

Accounts at Allgemeine Sparkasse Oberoesterreich Bankaktiengesellschaft are usually held in EUR, the national currency of Austria. A payment in a foreign currency will be converted into EUR before it reaches the account. Every conversion eats into the amount, even when no fee is shown.

Who does the conversion has an effect on the final amount, as rates and margins differ per bank. Often it is cheaper to send EUR directly via a provider with a good rate.

The EUR rate changes constantly. With bigger transfers, a small gap in the rate adds up quickly.

How long does an international transfer to Allgemeine Sparkasse Oberoesterreich Bankaktiengesellschaft take?

There is no single answer: some arrive the same day or the next. Bank holidays in the sending or receiving country add extra days, since banks do not process on those days. Compliance checks on larger or unusual payments can also cause some delay, regardless of the details.

If a transfer is late, contact your bank for the status and the transaction reference; with that reference banks can see where the payment is. Money transfer services often provide tracking online so you can see where the payment is.

If a payment has not arrived within the expected time, the person who paid needs to start with their own bank, not the receiving bank. Request from the sender a copy of the payment confirmation – it helps your own bank look for the money.

Where our SWIFT data comes from

We collect bank codes from public sources and update our list from time to time. Institutions merge, change names and retire codes – a directory can be a step behind. The figures on this page are based on what is in our directory.

See the information on this page as a helpful check, and let the details from the recipient or Allgemeine Sparkasse Oberoesterreich Bankaktiengesellschaft have the final say. GoldexPay is a comparison service for money transfers and not part of Allgemeine Sparkasse Oberoesterreich Bankaktiengesellschaft. Should you notice something that is out of date, we appreciate a message via the contact page.

Protect yourself against fake payment requests

Be wary when someone suddenly wants you to pay into a different account. That ASPKAT2L is a real code does not mean that the account is genuine – fraudsters use real bank codes as well.

Never trust contact details from the same email that announces the change. Be suspicious of time pressure, odd spelling or a sender address that is slightly off. If money has already gone to a fraudster, call your bank right away – speed improves the chance of getting it back.

Scams also work the other way. Someone claims to have sent more than agreed and asks you to refund the extra to a new account. Do not act before the money has really arrived and check with Allgemeine Sparkasse Oberoesterreich Bankaktiengesellschaft if anything seems off.

Allgemeine Sparkasse Oberoesterreich Bankaktiengesellschaft: head office code versus branch codes

Allgemeine Sparkasse Oberoesterreich Bankaktiengesellschaft has 16 different SWIFT/BIC codes. Only one is the head office code, ASPKAT2LXXX; the others belong to branches, and sometimes internal departments.

For the vast majority of payments to a private or business account, the head office code ASPKAT2LXXX is what you need. If you have been given a specific code, stick to it instead of replacing it for the head office code.

The best way is to take the code straight from the recipient’s statement. Codes are sometimes changed or retired when banks reorganise, so a code from an old document is not always valid.

Euro transfers to Allgemeine Sparkasse Oberoesterreich Bankaktiengesellschaft: is a BIC needed?

Since Austria is in the SEPA zone, a euro transfer into Allgemeine Sparkasse Oberoesterreich Bankaktiengesellschaft from within the SEPA area usually requires just an IBAN. Most banking apps no longer ask for the BIC in that case.

For anything other than euros and from non-SEPA countries, ASPKAT2LXXX is still required. If your banking app asks for the BIC regardless, entering ASPKAT2L does no harm.

Euro payments within SEPA normally land within one business day; instant payments are faster if both banks offer them. Charges on SEPA transfers are generally low.

What the XXX in ASPKAT2LXXX means

Each SWIFT/BIC code starts with an 8-character core: four letters for the bank, a two-letter country code and a two-character location code. In this case, the 8-character core is ASPKAT2L.

XXX at the end of ASPKAT2LXXX does not stand for a placeholder or a mistake: it indicates the head office of Allgemeine Sparkasse Oberoesterreich Bankaktiengesellschaft. Some banking apps insist on 11 characters, in which case you simply add XXX after ASPKAT2L.

Enter the code as one block, in capitals and without spaces. Watch for the letter O and the digit 0 or the letter I and the digit 1.

International transfers from Allgemeine Sparkasse Oberoesterreich Bankaktiengesellschaft: the real cost

The price of an international transfer has several parts, and the transfer fee is only the most visible one. You pay the transfer fee, sometimes fees charged by intermediary banks along the way and, above all, the margin on the exchange rate when the money is converted.

The markup on the rate is often the biggest cost because it is hidden in the rate. Check the rate you are offered against the mid-market rate.

Specialised transfer providers often use rates closer to the mid-market rate with clearer fees. Before your next transfer, take a minute comparing the total cost on GoldexPay. Using a transfer service does not mean closing your account at Allgemeine Sparkasse Oberoesterreich Bankaktiengesellschaft: you simply pay the service from your account.

What to give a sender who pays you at Allgemeine Sparkasse Oberoesterreich Bankaktiengesellschaft

A sender in another country needs a few details about your account, and missing ones are a common cause of delays. What they need is: the account holder’s name, IBAN or account number, ASPKAT2LXXX and in many cases your postal address.

Some sending banks also ask for the name and address of Allgemeine Sparkasse Oberoesterreich Bankaktiengesellschaft; it does no harm to include it. A typo in your account number can be harder to fix than you might think; copy them from your banking app rather than typing.

An incoming payment will not always arrive for the full amount. Fees for incoming transfers vary per bank – the price list of Allgemeine Sparkasse Oberoesterreich Bankaktiengesellschaft tells you what applies. Make clear with the sender who covers the fees.

How to check ASPKAT2L before you pay

The safest source for the BIC is the recipient’s own bank details: an invoice, a bank statement or their online banking. When the code you were given differs from ASPKAT2L or ASPKAT2LXXX, stop and ask – contact the recipient or Allgemeine Sparkasse Oberoesterreich Bankaktiengesellschaft.

Errors in the SWIFT code tend to be annoying rather than fatal. Remember the account number: an error there can be more difficult to correct than a wrong BIC.

Many banking apps validate the format of IBANs and sometimes look up the BIC automatically, but that does not prove the account belongs to the right person. More and more banks compare the name with the account before you confirm. When you pay someone new, many people start with a small test amount before sending the rest.