SWIFT/BIC codes in Austria: banks starting with F

Bank SWIFT codes for Austria

This directory contains 822 banks and financial institutions in Austria, with 1191 SWIFT/BIC codes in total. Every code points to a bank or a specific branch or department, so a payment from abroad reaches the right place.

Every bank is listed with its own page showing its main code and if there are any, codes for branches and departments. Below the list you can read how a code from Austria is put together, how to send money to Austria without overpaying and what to check before you pay.

Incoming international payments in Austria

To receive an international payment in Austria, the person paying you needs more than the SWIFT code. In practice that means: your full name exactly as it appears on the account, your IBAN or account number, the SWIFT/BIC code of your bank and, often, your postal address.

Find the bank in the list on this page. Certain sending banks may also want your bank’s address; it does no harm to include it.

What lands in your account can be lower than the amount sent. Correspondent banks can take a fee, and if the money is converted, an exchange rate margin applies. For business payments, state how the fees are split to avoid a shortfall.

How long does a transfer to Austria take?

There is no fixed answer for payments to Austria: many arrive the same day or the next. Payments made after the cut-off time or on a weekend or public holiday usually start a business day later.

Many banks use SWIFT gpi. Every payment gets a unique reference, the UETR that banks can use to see where the money is. Specialist transfer services usually show tracking in their app, which makes it easier to see where the money is.

The structure of a Austria SWIFT/BIC code

Each SWIFT/BIC code has eight or eleven characters. Characters one to four stand for the bank, characters five and six are the country code and characters seven and eight give the location.

In every code from Austria, characters five and six show the two-letter ISO code of Austria, which makes these codes easy to recognise. A code with other letters in that position belong to another country, even if the bank name looks familiar.

If the last three are XXX, it means the main office and the short version works just as well. For most transfers the head office code is what you need, unless the recipient gives you a branch code.

Sending money to Austria for less

If you send money to Austria through your bank, the fee you see is rarely all of what you pay. There is the transfer fee, possibly fees from correspondent banks and, most importantly, the exchange rate markup.

The real cost is often in the rate, rather than in the fee: banks convert at a rate with a margin built in. Check the rate you are offered with the mid-market rate.

For many routes, a specialist provider turns out to be less expensive than a bank. GoldexPay compares transfer services next to each other, showing the amount that reaches the recipient.

Banks in Austria beginning with the letter :letter

This page only shows the banks in Austria whose name starts with :letter. The counts in the introduction still cover all banks in Austria and not only this selection.

Bank not listed? Its official name might begin with another word – think of the full legal name instead of the brand. Try the full list for Austria if you are not sure the exact name.

How reliable is this list?

Have the recipient copy the account details directly from their online banking. A wrong code can cause a delay, a payment being sent back or additional charges – compare it with the code in our list.

We collect SWIFT/BIC codes using publicly available data and check our list regularly. Still, banks merge or retire codes, so information can be out of date. Use our data as a starting point rather than the last word; the recipient’s bank details are leading. GoldexPay is an independent comparison site and not part of any bank listed here.

Scammers often use payment requests carrying new bank details from what looks like a familiar address. A real SWIFT code says nothing about whether a request is genuine: criminals use real codes too.

Sending EUR to Austria

Most accounts in Austria are typically held in EUR. If you send money in a different currency, the amount gets converted somewhere along the way – by your bank, a bank in between or the recipient’s bank.

Where the conversion happens has an effect on how much arrives, since every bank sets its own rate. Compare what EUR arrives via several services; the difference between options can be larger than you expect. Exchange rates change all the time, so a quote is usually valid only briefly.

Austria and the SEPA area

Austria is part of the Single Euro Payments Area (SEPA). When you send euros within SEPA, you normally only need the IBAN and the BIC is often filled in automatically.

You still need a SWIFT code for non-euro payments or transfers from countries outside SEPA. Instant euro transfers have become widely available across SEPA. Provided no conversion is involved, the transfer is usually cheap.

The largest SWIFT network in Austria: Unicredit Bank Austria AG

In our directory, Unicredit Bank Austria AG has the largest number of SWIFT/BIC codes in Austria. Its main office has BKAUATWWXXX and that code covers most payments.

A large number of codes often reflects that the bank registers branches and departments separately, not necessarily that the bank is the biggest in the country. Paying someone at Unicredit Bank Austria AG? Use BKAUATWWXXX except when the recipient gives you a branch code.