SWIFT/BIC codes in Austria: banks starting with E

SWIFT/BIC codes in Austria

This overview covers 822 banks and other institutions in Austria. You need such a code mostly for international transfers.

Search for the recipient’s bank in the list and open its page for the full list of codes and what else a transfer requires. The sections below covers the structure of the codes, the cost of transfers and how to avoid mistakes before a payment.

Sending EUR to Austria

Most accounts in Austria are usually held in EUR – the Euro. A payment in a foreign currency is exchanged into EUR, and whoever converts it chooses the rate.

Who converts the payment matters: every bank has its own margin. In many cases you pay less to send EUR directly via a transfer service with a good rate rather than letting the receiving bank convert. Rates for EUR move all the time.

How long does a transfer to Austria take?

There is no single delivery time for transfers to Austria: some arrive within a day, others take several business days. Public holidays in Austria or in the sending country can add a day or more, because banks do not process payments on those days.

Many banks are connected to SWIFT gpi. Every payment gets a unique reference, the UETR, which the sending bank can use to trace it. Keep the payment confirmation until the recipient confirms; a bank needs it to start a trace.

About our data and how to check a code

The most reliable source for a SWIFT code is the bank details provided by the recipient. An incorrect BIC may lead to a delay, a payment being sent back or additional charges, so compare it with the list on this page.

We gather bank codes from publicly available data and check our list regularly. Even so, banks merge or change codes. For a payment of any size, confirm the BIC with the recipient. We are an independent comparison site for money transfers.

Be wary of payment requests with a new account, especially when they come by email. A valid BIC tells you nothing about who owns the account: criminals use real codes too.

Filter: banks in Austria with :letter

This list only shows the banks in Austria whose name starts with :letter in alphabetical order. The totals mentioned above always refer to the whole country.

Cannot find the bank? Its official name may start with a different letter – think of the full legal name instead of the brand. The full overview for Austria remains one click away if the letter filter does not help.

Austria and the SEPA area

Within the SEPA zone, euro transfers to Austria use the same rules and in most cases need only the IBAN. The BIC field is often optional in that case.

A SWIFT code does come into play for payments in other currencies and when the money comes from outside SEPA. Instant euro transfers have become widely supported within SEPA, though not every bank offers them for every account. Costs stay low provided no currency is converted; the conversion is where it gets expensive.

What a sender needs to pay you in Austria

For an international payment in Austria, the sender has to have more than the BIC. Share your name as registered with the bank, the IBAN or account number, your bank’s SWIFT code and your address, which some banks require.

The code of your bank is in the list on this page. You can include your bank’s name and city.

Do not be surprised if the amount credited is smaller than what the sender paid. Correspondent banks can take a fee, your bank may charge for incoming payments, and when currencies differ, a markup on the rate comes on top. Make clear with the sender who covers the fees.

Unicredit Bank Austria AG and its SWIFT codes

In our data, Unicredit Bank Austria AG holds the most SWIFT/BIC codes of all banks in Austria. Its main office has BKAUATWWXXX.

Banks differ in whether they register branch codes, so the count is not a ranking of size. If not the recipient asks for a branch, the head office code BKAUATWWXXX works for a payment to Unicredit Bank Austria AG.

The structure of a Austria SWIFT/BIC code

Each SWIFT/BIC code has eight or eleven characters. The first four letters stand for the bank, characters five and six form the country code and characters seven and eight give the location.

In every code from Austria, letters five and six show the ISO country code of Austria – that is the quickest way to spot one. When the country letters do not match Austria, you are looking at a bank in another country, so check again.

The long version ends in three characters for a branch – XXX stands for the head office. For most transfers the head office code is fine.

Sending money to Austria for less

When you send money to Austria through your bank, the stated fee is rarely all of the cost. There is a transfer fee, possibly fees from correspondent banks and, above all, the exchange rate markup.

The markup on the rate is often the biggest cost item because it is hidden in the rate. Compare the bank’s rate against the mid-market rate that you find on financial sites; the gap is what conversion costs you.

For a lot of currency pairs, a specialist provider turns out to be cheaper than a traditional bank transfer. On GoldexPay you can compare what recipients in Austria receive with different providers, so you can pick the cheapest route.