Austrian Anadi Bank A.G. SWIFT/BIC code

Austrian Anadi Bank A.G. SWIFT code: HAABAT2K

The 8-character code HAABAT2K and the 11-character code HAABAT2KXXX refer to one and the same institution: Austrian Anadi Bank A.G., with its head office in Klagenfurt. Every bank on the SWIFT network uses these codes to direct international transfers to the correct bank. In practice you mostly come across the code on international invoices, in your banking app and in the bank details that Austrian Anadi Bank A.G. provides.

Below you will find the practical side: receiving money at Austrian Anadi Bank A.G., paying someone in another country and how to check a SWIFT code before you confirm a payment. The SWIFT code on its own cannot identify a personal account; for that you need the account number or IBAN .

A note on our data

We collect SWIFT/BIC codes using publicly available data and check our list from time to time. Institutions reorganise, close branches and retire codes, and a directory never catches every change immediately. The figures we show are based on our own data, not official figures from Austrian Anadi Bank A.G..

For a payment that matters, check the code with the recipient’s bank or with the recipient. GoldexPay is independent of Austrian Anadi Bank A.G., we only compare transfer services. Found an error? Tell us via our contact form and we will look into it.

When will the money arrive at Austrian Anadi Bank A.G.?

There is no single delivery time for international payments: some arrive the same day or the next while others need several business days. Transfers sent late in the day or just before a weekend or public holiday usually start the next business day. Sometimes a bank wants to know about the purpose of a payment.

When a payment takes longer than expected, ask your bank for the tracking status and the transaction reference so they can trace it along the chain. Money transfer services usually provide a status in their app so you can see where the money has got.

If the money does not arrive within the expected time, the sender needs to contact the bank that sent it rather than Austrian Anadi Bank A.G.. As a recipient, you can look at your account for a slightly lower amount because fees can reduce the amount.

The Euro and what conversion costs you

Austria uses the Euro, code EUR. A payment in a foreign currency is exchanged into EUR on its way to Austrian Anadi Bank A.G. – and the bank that does it picks the rate. Every conversion eats into something, even when no fee is shown.

Where the conversion happens affects how much arrives, as rates and margins differ per bank. Compare what EUR the recipient gets with different providers.

The rate for EUR fluctuates throughout the day, so the amount you see is usually only valid for a short time. With bigger transfers, a small difference in the rate adds up quickly.

8 or 11 characters: HAABAT2K versus HAABAT2KXXX

The layout of a BIC is always the same: four characters for the institution, two for the country and two for the location. Together, those parts form HAABAT2K.

The 11-character version has a three-character extension for a branch or department. When those three characters are XXX, they simply mean the head office, so HAABAT2KXXX and HAABAT2K are interchangeable.

In practice the code is typed in capitals, without spaces or dashes. A single letter can send the money to another bank.

Choosing between the 2 SWIFT codes of Austrian Anadi Bank A.G.

Austrian Anadi Bank A.G. has 2 separate SWIFT/BIC codes. One of them is the head office code; the others belong to branches, and sometimes internal departments.

For most payments to a private or business account, the head office code HAABAT2KXXX is what you need. Just use a branch code when the recipient gives you that exact code, for example on an invoice or in their bank details.

Unsure which code applies? Ask the recipient, or look at a recent statement from Austrian Anadi Bank A.G.. Branch codes are more prone to be retired than HAABAT2KXXX.

Incoming international payments to Austrian Anadi Bank A.G.

If you are waiting for a payment from another country, give the sender all details at once. In practice that means: your full name as registered with Austrian Anadi Bank A.G., your IBAN or account number, the BIC HAABAT2KXXX and usually your address.

Some banks also ask for the address of Austrian Anadi Bank A.G.; it does no harm to include it. Check the details before you share them – a sender rarely spots a mistake in someone else’s details.

Money from abroad will not always land for the full amount. Intermediary banks may deduct a fee, and if the money is converted, a markup on the rate applies. For business payments, it is common to state who bears the costs, so that nobody is left short.

Euro transfers to Austrian Anadi Bank A.G.: is a BIC needed?

Inside SEPA, euro transfers to Austrian Anadi Bank A.G. use the same rules. The BIC field is often optional for those payments.

For anything other than euros and for senders outside SEPA, HAABAT2KXXX is still required. If your banking app has a field for the BIC anyway, adding HAABAT2K 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.

Protect yourself against fake payment requests

One of the most common tricks goes like this: you receive a message saying that a contact has new bank details and that the next payment should go there. The fact that HAABAT2K exists is no guarantee that a request mentioning it is legitimate.

Before paying, confirm a change of bank details through a phone call on a number you know, not one from the message. Watch out for time pressure, unusual wording or a sender address that is slightly off. When a payment was sent to a fraudster, contact your bank immediately: the sooner they act, the better the chance of a recall.

Scams can also target the receiver: someone sends too much and asks you to return the extra via a different route. A payment confirmation from the sender is no proof – check your own account.

How to check HAABAT2K before you pay

The most reliable place for the correct BIC is a document from the bank itself. Check it with HAABAT2K on this page; if they differ, ask before you pay.

Mistakes in the BIC are costly more than fatal: often the payment comes back, minus fees. Remember the account number: an error there can be harder to correct than a wrong code.

A validity check in your banking app merely confirms that the code exists. More and more banks compare the payee name with the account before you confirm – do not ignore a mismatch warning. When you pay someone new, some people send a small test amount.

International transfers from Austrian Anadi Bank A.G.: the real cost

When you send money to another country through Austrian Anadi Bank A.G., the fee you see is rarely all of what you pay. Besides a fixed fee, correspondent or intermediary banks may deduct a fee, and when the money changes currency, the bank often applies a rate below the actual market rate.

That exchange rate margin is often the largest cost even though it is not listed as a fee. Check their rate against the mid-market rate – the rate you find on financial news sites.

For a lot of currency pairs, a transfer service turns out to be less expensive than a bank, mainly because of the exchange rate. GoldexPay compares transfer providers next to each other so you can see what actually arrives before you commit. Using a transfer service does not mean closing your account at Austrian Anadi Bank A.G..