SWIFT/BIC codes in Austria: banks starting with D

Bank SWIFT codes for Austria

Our directory contains 822 banks and financial institutions in Austria. A BIC shows the banks handling a transfer exactly which bank is meant to get an international payment.

Choose the bank from the list to see its head office code and its other codes along with tips for payments to and from that bank. The sections below explain the structure of the codes, the cost of transfers and the checks worth doing before you send money.

The structure of a Austria SWIFT/BIC code

Each SWIFT/BIC code has eight or eleven characters in a fixed order. The first four letters identify the bank, the fifth and sixth characters form the country code and characters seven and eight mark the location.

You can spot a code from Austria from letters five and six – those always form the country code of Austria. A code with other letters in that position come from another country, even if the bank name looks familiar.

An 11-character code ends in three characters for a branch – XXX stands for the head office. Use a branch code just if the recipient explicitly gives you one.

SWIFT codes in Austria: banks under :letter

This page shows only banks in Austria beginning with :letter. The totals on this page cover all 822 banks.

If the bank you need does not appear here, try another letter. Use the full list for Austria if you are not sure how the name is spelled.

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. Its head office code is BKAUATWWXXX, which is the code to use when no branch is specified.

How many codes a bank has tells you more about how it organises its payments than about how big it is. Unless the recipient asks for a branch, the head office code BKAUATWWXXX works for a payment to Unicredit Bank Austria AG.

Euro payments to Austria: is a BIC needed?

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

You still need the BIC for non-euro payments or transfers from countries outside SEPA. Euro payments within SEPA normally land by the next business day or faster with instant payments. Costs stay low as long as no currency is converted; the conversion is where it gets expensive.

About our data and how to check a code

The best place to find the right code remains paperwork issued by the bank. If the code you have does not match the code listed here, stop and ask.

We collect SWIFT/BIC codes from public sources and update them regularly. Institutions merge, change names and retire codes. Before a payment that matters, check the BIC with the recipient’s bank. We are an independent comparison service and not part of any bank listed here.

Be wary of payment requests containing changed bank details – a common fraud method. Before paying, confirm changed details by phone, using a number you already had.

Getting paid from abroad into an account in Austria

A sender in another country needs several details from you, and missing ones are a common cause of delays. Share your name as registered with the bank, your account number or IBAN, the BIC of your bank and your address, which some banks require.

Your bank’s code appears in our list, yet the version on your own statement or in your banking app is leading. It helps to add the name and city of your bank because some forms have separate fields for it.

The amount you receive can be less than what was sent. Fees for incoming transfers differ per bank; check the price list of your bank. Agree with the sender who covers the fees before the money is sent.

What a transfer to Austria really costs

If you send money to Austria with a regular bank, the stated fee is only part of what you pay. You pay a transfer fee, possibly fees from correspondent banks and, above all, the margin on the exchange rate when currencies differ.

The real cost is often in the rate – the bank builds a margin into its rate. An easy check: put the offered rate next to the mid-market rate and work out the difference on your amount.

Money transfer services frequently offer a rate near the mid-market rate and lower fees. GoldexPay compares the amount that arrives in Austria across services.

The Euro (EUR) and conversion costs

The local currency of Austria is the Euro (EUR). A payment in a foreign currency will be converted into EUR on its way to the recipient.

Where the conversion happens has an effect on how much arrives, as rates and margins differ per bank. Often you pay less to send EUR straight away through a provider with a good rate so the receiving bank does not need to convert again. Rates for EUR change during the day.

Transfer times to Austria

How quickly money arrives in Austria is determined by several factors: the currency, how many intermediary banks are involved, daily processing deadlines and differences in time zone. Transfers sent after the cut-off time or just before weekends and holidays often go out the next business day.

Many banks are connected to SWIFT gpi, which lets them follow a payment from bank to bank. Each gpi transfer gets a unique reference, the UETR, which the sending bank can use to trace it. Specialist transfer services usually provide tracking in their app, which makes it easier to see where the money is.