Bks Bank AG SWIFT/BIC code

Bks Bank AG SWIFT code: BFKKAT2K

The short code BFKKAT2K and the 11-character code BFKKAT2KXXX refer to one and the same institution: Bks Bank AG. Every bank on the SWIFT network uses these codes to route international transfers to the correct bank. You will need it mostly when dealing with transfers between countries and payments in foreign currencies.

We wrote this page to help anyone who receives money at an account at Bks Bank AG and wants to get the details right. A SWIFT code names an institution, never a single account.

Sending EUR to Bks Bank AG

The currency of Austria is the Euro (EUR). Money sent in a different currency is converted into EUR – and the bank that does it picks the rate. You rarely see a separate line for the conversion – the cost sits in the rate.

Where the conversion happens affects the final amount, since every bank sets its own rate. In many cases you pay less if you send EUR straight away through a provider with a good rate.

The EUR rate fluctuates constantly, so the amount you see is usually only valid for a short time. For recurring payments, small differences in the rate make a real difference over time.

Is BFKKAT2K still correct? How to check

Have the recipient send you the account details directly from a recent statement. Check that code with BFKKAT2K here; if they differ, ask before you pay.

If the code is wrong, the payment may get stuck, bounce back or cost extra – sometimes after weeks of searching. Remember the IBAN: a mistake there is more difficult to correct than a wrong BIC.

Many banking apps validate the format of IBANs, but that does not prove the account belongs to the right person. Some banks now compare the payee name with the account before you confirm. Sending a small amount first can be a sensible step for large sums despite the extra fee.

What to give a sender who pays you at Bks Bank AG

If you are waiting for money from abroad, send the payer a complete set of details. The basics are: your name, account number or IBAN, BFKKAT2KXXX or BFKKAT2K and often your home address.

It helps to include the bank name and Klagenfurt as well, because some payment forms have separate fields for them. Double-check each detail before you send them, because the sender’s bank usually copies them as is.

What lands in your account can be less than what was sent. Correspondent banks can take a fee and your own bank may charge for processing, and if the currency changes, an exchange rate margin comes on top. Make clear with the sender who covers the fees.

Changed bank details? Be careful

Stay wary if someone unexpectedly asks you to pay into a different account or a bank in another country. The fact that BFKKAT2K exists does not mean that the account is genuine; criminals use the codes of real banks too.

Verify new bank details through a separate channel, never via the email that asked for the change. Urgency or secrecy tend to be warning signs; a genuine business can wait for you to check. When money was sent to a fraudster, call your bank right away.

Scams also work the other way: someone claims to have sent more than agreed and asks you to refund the difference to a new account. Do not act before the money is actually in your account – ask Bks Bank AG if something looks wrong.

A note on our data

We gather bank codes from public sources and update our list from time to time. It can happen that information on this page is out of date. The number of codes on this page are based on what is in our directory.

Use our data as a reference, not as the final word – the bank details from the recipient are leading. GoldexPay is not affiliated with Bks Bank AG. If you notice something that is out of date, we welcome a message.

Why Bks Bank AG has an 8- and an 11-character code

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. Together, these eight characters form BFKKAT2K – the version you usually see online.

Many banks and apps work with both lengths. If yours asks for eleven characters, enter BFKKAT2KXXX; if it wants eight, use BFKKAT2K.

Enter the code as one block, in upper case and without separators. A single letter can send the money to another bank, so copy it carefully.

Which of the 7 codes of Bks Bank AG do you need?

Bks Bank AG has 7 separate SWIFT/BIC codes. One of them is the head office code; the others identify branches or departments, and sometimes internal departments.

In most cases there is no need to pick a branch: payments addressed to BFKKAT2KXXX reach Bks Bank AG without problems. Branch codes are only needed when the recipient’s bank explicitly asks for it, which is more common for business accounts and specialised services.

Unsure which code to use? Ask the recipient, or look at a recent statement from Bks Bank AG. Codes are sometimes changed or retired when banks reorganise.

SEPA payments and the Bks Bank AG BIC

Within the SEPA zone, euro transfers to an account in Austria use the same rules, so the IBAN does the job in most cases. A field for the BIC is often optional in that case.

You still need BFKKAT2KXXX when sending non-euro payments or transfers from countries outside SEPA. If a payment form asks for the BIC regardless, adding BFKKAT2K does no harm.

Instant euro transfers are widely available within SEPA; check with Bks Bank AG whether it applies to your account. Fees for SEPA transfers are generally low.

Tracking a transfer to or from Bks Bank AG

How fast a payment reaches Bks Bank AG is determined by several factors: which currency you send, how many intermediary banks are involved, daily processing deadlines and time zones. Bank holidays in either country add extra days, since banks do not process on those days. Compliance checks by one of the banks may also cause some delay, even when all details are correct.

If the money is late, contact the sending bank for the tracking status and the transaction reference; with that reference banks can see where the payment is. Money transfer services usually show a status in their app so you can see how far the payment is.

If the money does not arrive after a few business days, the sender needs to contact the bank that sent it, not the receiving bank. As a recipient, it helps to check your statements for a partial amount because fees can reduce the amount.

International transfers from Bks Bank AG: the real cost

If you send money abroad through Bks Bank AG, the fee you see is rarely all of the cost. On top of a fixed fee, correspondent or intermediary banks may take a cut, and if currencies are converted, the bank usually uses a rate below the actual market rate.

Many banks rarely show their exchange rate markup as a cost – you only notice it if you compare. An easy check: put the bank’s rate next to the mid-market rate and work out the difference on your amount.

For many routes, a specialist provider turns out to be less expensive than a traditional bank transfer. On GoldexPay we compare what recipients receive across services, so you can pick the cheapest route. You can still use your account at Bks Bank AG, while a cheaper service handles the conversion.