Hypo Vorarlberg Bank AG SWIFT/BIC code

Hypo Vorarlberg Bank AG SWIFT code: HYPVAT2B

HYPVAT2B and HYPVAT2BXXX are two spellings of the same bank identifier, and both lead to Hypo Vorarlberg Bank AG in Bregenz. A SWIFT code tells the banks handling a payment which institution should receive the money. It comes up mostly for payments that cross a border and payments in foreign currencies.

Below you will find the practical side: money coming in from abroad, sending money abroad and how to check a SWIFT code before you hit send. The SWIFT code alone cannot identify an individual account holder; for that you need the account number or IBAN is for.

What the XXX in HYPVAT2BXXX means

The structure of a BIC is always the same: a bank code of four letters, a two-letter country code and two for the location, sometimes followed by a branch code. In this case, the 8-character core is HYPVAT2B.

The long version has three more characters that identify a branch or department. If the last three are XXX, they simply mean the head office, which is why HYPVAT2BXXX and HYPVAT2B lead to the same place.

As a rule the code is typed in capitals. Look out for the letter O and the digit 0 or the letter I and the digit 1, a common source of typos.

Sending EUR to Hypo Vorarlberg Bank AG

Austria uses the Euro, with the currency code EUR. If you send another currency, the amount has to be converted at some point: by your bank, an intermediary or Hypo Vorarlberg Bank AG itself. There is rarely a separate line for the conversion; it is built into the rate.

Where the conversion happens has an effect on the final amount, as rates and margins differ per bank. Sending the money already in EUR usually avoids an extra conversion by Hypo Vorarlberg Bank AG – as long as your own rate is good.

Rates for EUR change all the time. On larger amounts, even small difference in the rate adds up quickly.

Which of the 13 codes of Hypo Vorarlberg Bank AG do you need?

Having 13 codes in 1 locations, Hypo Vorarlberg Bank AG is one of the banks that register separate codes for parts of the organisation and departments. The main code is HYPVAT2BXXX.

Usually you do not need to look up a branch: transfers addressed to HYPVAT2BXXX are routed within Hypo Vorarlberg Bank AG without problems. Branch codes are only needed if the account holder explicitly mentions it, which is more common for business accounts and specialised services.

Not sure which code to use? Check with the recipient, or look at a recent statement from Hypo Vorarlberg Bank AG. Branch codes can change over time.

Before you send: check the Hypo Vorarlberg Bank AG code

Have the recipient send you the bank details directly from their online banking. If the code you have does not match HYPVAT2B or HYPVAT2BXXX, do not guess: check with the recipient or with Hypo Vorarlberg Bank AG directly.

An incorrect BIC may lead to a delay, a payment being sent back or extra fees for investigation. Remember the account number: an error there can be more difficult to undo than a wrong BIC.

Many banking apps check the format of an IBAN. If your bank offers it, a payee name check on the recipient adds extra certainty. For a first payment, many people start with a small amount first before sending the rest.

Receiving money from abroad at Hypo Vorarlberg Bank AG

When you expect a payment from another country, send the payer everything they need in one go. Give them your name as the bank knows it, the IBAN or account number, SWIFT code HYPVAT2BXXX and your address.

Some banks want the name and address of Hypo Vorarlberg Bank AG in Bregenz, so keep it at hand. Check every detail before you send them, because the sender’s bank usually copies them as is.

Expect that the incoming amount is smaller than what the sender paid. Charges on incoming payments differ from bank to bank. For business payments, it is common to state how the fees are split to avoid a shortfall.

Transfer times and tracking a payment to Hypo Vorarlberg Bank AG

How fast a transfer reaches Hypo Vorarlberg Bank AG is determined by several factors: which currency you send, the number of banks in between, cut-off times and time zones. Bank holidays in either country can add a day or more to the journey. Occasionally a bank asks about the purpose of a payment, which can hold things up.

If a transfer is delayed, ask the sending bank about the tracking status or the UETR so they can trace it along the chain. Money transfer services often show tracking online showing where the money is.

If a payment has not arrived within the expected time, the person who paid should contact their own bank. Request from the sender the payment receipt with the date and reference – it helps your own bank look for the money.

Do you need HYPVAT2B for a SEPA transfer?

Because Austria is in SEPA, a euro transfer to Hypo Vorarlberg Bank AG from within the SEPA area usually only needs the IBAN. Many banks no longer ask for the BIC in that case or fill it in for you.

The BIC does matter for payments in other currencies and when the money comes from outside SEPA. Some banks and apps still ask for the BIC out of habit; in that case, fill in HYPVAT2B or HYPVAT2BXXX.

Instant payments in euros are widely available within SEPA. Fees for SEPA transfers are generally low.

A note on our data

We collect bank codes from publicly available data and update our list regularly. It is possible that information here is out of date, for example after a merger. The figures on this page reflect what is in our directory.

Before a payment that matters, check the BIC with Hypo Vorarlberg Bank AG or with the recipient. GoldexPay is not affiliated with Hypo Vorarlberg Bank AG; we are a comparison site for money transfers. Found an error? Let us know via our contact form and we will look into it.

Watch out for payment fraud

Stay alert when someone suddenly asks you to send money to a different account or a bank in another country. That HYPVAT2B is a real code does not mean that the account is genuine.

Do not trust contact details in the same message that contains the new account. Pressure and requests to keep it quiet are warning signs. When money has already gone to a fraudster, contact your bank immediately: the sooner they act, the better the chance of a recall.

Recipients can be targeted as well: a classic trick is an overpayment and then sends a request to send back the difference to another account. A payment confirmation from the sender proves nothing.

International transfers from Hypo Vorarlberg Bank AG: the real cost

What you pay for a payment abroad has more than one component. You pay the fee for the transfer itself, sometimes charges from correspondent banks along the way and, above all, the margin on the exchange rate.

Banks rarely show the margin on the rate separately – you only notice it if you compare. Compare their rate against the mid-market rate.

For a lot of currency pairs, a transfer service turns out to be less expensive than a traditional bank transfer – mostly thanks to the rate. GoldexPay lists these services next to each other, showing the amount the recipient gets. You can still use your account at Hypo Vorarlberg Bank AG as the source of the money; only the conversion and sending happen elsewhere.