SWIFT/BIC codes in Austria: banks starting with C

Austria: banks and their SWIFT/BIC codes

For Austria our database holds 1191 SWIFT/BIC codes. You need a SWIFT/BIC code mostly when making international transfers and for payments in a foreign currency.

Choose a bank below to view its head office code and any branch codes. The sections below explain how the codes work, what transfers cost and how to avoid mistakes.

Tracking a payment to Austria

How fast money arrives in Austria depends on a few things: the currency, the number of banks in between, daily processing deadlines and time zones. Public holidays in Austria or in the sending country can add extra days, because banks do not process payments on those days.

When a payment takes longer than expected, the sender should contact the sending bank for a trace – the receiving bank often cannot see a payment that has not arrived. Money transfer services usually show a status in their app, which makes it easier to see where the money is.

The largest SWIFT network in Austria: Unicredit Bank Austria AG

Unicredit Bank Austria AG tops the 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.

Many codes often means that the bank registers branches and departments separately. Making a payment to Unicredit Bank Austria AG? Use BKAUATWWXXX except when a specific branch code is requested.

Paying in EUR: what conversion costs you

Bank accounts in Austria are typically held in EUR, the local currency. A payment in a foreign currency is converted into EUR on its way to the recipient, and whoever converts it chooses the rate.

Where the conversion happens has an effect on how much arrives, as rates and margins differ per bank. Compare how much EUR arrives with different providers; the difference between options can be larger than you expect. With bigger transfers, even a small difference in the rate adds up quickly.

Getting paid from abroad into an account in Austria

Someone abroad who wants to pay you will ask for a few details about your account. In practice that means: your full name as your bank knows it, your IBAN or account number, the BIC of your bank and, often, your address.

The code of your bank is in our list but always compare it with your own bank details. Certain banks also want the name and address of your bank, so keep it at hand.

What lands in your account can be lower than the amount sent. Fees for incoming transfers vary from bank to bank – your bank’s price list tells you what applies. Agree with the sender who covers the fees before the money is sent.

The cheapest way to send money to Austria

A bank transfer to Austria often costs more than the fee suggests. On top of the fee, intermediary banks can deduct a charge and, if currencies are converted, the bank usually applies a rate below the actual market rate.

The real cost is often in the rate, not in the fee: banks convert at a rate with a margin built in. Check the bank’s rate against the mid-market rate. The difference is your real cost.

Specialist money transfer services often offer rates closer to the mid-market rate and lower fees. Before you send money to Austria, take a minute comparing the total cost on GoldexPay rather than accepting the first rate you see.

How SWIFT codes from Austria are built

Every SWIFT/BIC code has eight or eleven characters, always in the same order. Characters one to four identify the bank, characters five and six are the country code and the next two give the location.

Whatever the bank, every code from Austria have the same country code in positions five and six: the ISO code of the country. If the country letters do not match Austria, you are looking at a bank somewhere else – worth double-checking.

If the last three are XXX, it refers to the main office, and the 8-character version leads to the same place. In most cases the head office code is what you need unless the recipient asks for a specific branch.

Paying in euros to Austria

Within the SEPA zone, euro transfers to Austria follow common rules, so the IBAN does the job in most cases. The BIC field is often optional in that case.

The BIC still come into play when the currency is not euros. SEPA transfers normally land by the next business day. As long as the payment stays in euros, a SEPA transfer tends to be cheap.

Verifying a SWIFT code from Austria

Have the recipient send you the account details straight from their banking app. A wrong code can cause a delay, a returned payment or extra fees, so compare it with the list on this page.

Our SWIFT/BIC directory is compiled from public sources that we update periodically. Institutions reorganise, change names and retire codes. Use this list as a starting point, not as the final word: the bank details from the recipient come first. GoldexPay is an independent comparison site and is not affiliated with the banks listed.

Be wary of payment requests with a new account – a common fraud method. Always verify changed details by phone on a number you know.

SWIFT codes in Austria: banks under :letter

The letter filter narrows the list to banks in Austria starting with :letter, so you can find a bank faster. The figures for Austria on this page apply to all 822 banks and not only this letter.

If the bank you need does not appear here, check another letter – the registered name can differ from the name people use. The full overview for Austria remains one click away when you cannot find the bank here.