SWIFT/BIC codes in Austria: banks starting with J

Bank SWIFT codes for Austria

For Austria our database holds 1191 SWIFT/BIC codes, spread over 822 banks. A SWIFT code tells every bank in the chain exactly which bank should receive the money.

Every bank has its own page with the head office code and, where available, codes for branches and departments. Further down you can read how a code from Austria is put together, how to send money to Austria without overpaying and how to check a code before you pay.

SWIFT codes in Austria: banks under :letter

The letter filter limits the list to banks in Austria starting with :letter to make searching quicker. The totals on this page cover every bank we list, not just the ones under :letter.

Many institutions are listed under their official name rather than the name on their app or website. Try the full list for Austria if you do not know the exact name.

Verifying a SWIFT code from Austria

The best place to find the right code remains paperwork issued by the bank, such as a statement or the account page in online banking. When the code you were given does not match our list, do not guess: check with the recipient or the bank.

We gather bank codes using public sources and check them regularly. Institutions merge, change names and change codes – a directory can be a step behind. Before a payment of any size, check the BIC with the recipient. GoldexPay is an independent comparison site.

Scammers regularly use fake invoices with changed bank details. Always verify a change of bank details through a separate channel, using a number you already had.

The cheapest way to send money to Austria

What you pay for a transfer to Austria has more than one component, and the fee on your screen is only one of them. There is a transfer fee, sometimes charges from intermediary banks along the way and, above all, the margin on the exchange rate when currencies differ.

The markup on the rate is often the largest part of the cost. An easy check: set the rate you get next to the mid-market rate and look at the difference.

Specialist money transfer services often use a rate near the mid-market rate. On GoldexPay we compare what recipients in Austria receive across services.

Most SWIFT codes in Austria: Unicredit Bank Austria AG

Of all banks we list for Austria, Unicredit Bank Austria AG is listed with the most SWIFT codes. Its main office has BKAUATWWXXX; that is usually the right code for a transfer.

The number of codes tells you something about how it organises its payments than about its size. If not a branch code is given, BKAUATWWXXX is fine for transfers to this bank.

The structure of a Austria SWIFT/BIC code

Each SWIFT/BIC code has eight or eleven characters, always in the same order. The first four letters stand for the bank, characters five and six are the country code and the next two mark the location.

You can spot a code from Austria from letters five and six: they always show the ISO country code of Austria. If the country letters do not match Austria, the code belongs to a bank somewhere else, so check again.

The last three characters, if present, stand for a branch or department; XXX means the head office. Choose a branch code just when the recipient explicitly gives you one.

Transfer times to Austria

There is no single answer for transfers to Austria: some land the same day or the next, others take several business days. Transfers sent after the cut-off time or just before weekends and holidays often go out a business day later.

Many banks are connected to SWIFT gpi. Every payment carries a unique reference, the UETR, which the sending bank can use to trace it. Save the payment confirmation.

Paying in EUR: what conversion costs you

Bank accounts in Austria are usually held in EUR. Money sent in a different currency is exchanged into EUR on its way to the recipient.

Which bank converts the payment matters. Often it is cheaper to send EUR straight away through a transfer service with a good rate. On larger amounts, a seemingly small gap in the rate can be worth more than the fee.

Paying in euros to Austria

Within the SEPA zone, euro transfers to Austria follow the same rules and in most cases need only the IBAN. A field for the BIC is usually optional for those payments.

A SWIFT code still come into play when the currency is not euros. Euro payments within SEPA usually arrive by the next business day, and instant transfers in seconds where both banks support them. Provided the payment stays in euros, a SEPA transfer tends to be inexpensive.

Incoming international payments in Austria

If you are waiting for money from abroad on an account in Austria, send the payer all details at once. In practice that means: your full name as your bank knows it, your account number or IBAN, the BIC of your bank and sometimes your address.

Find your bank in the list above and compare the code with your own bank details. You can include your bank’s name and city.

Do not be surprised if the amount credited is below the amount on the sender’s receipt. Correspondent banks can take a fee and your own bank may charge for processing, and if the money is converted, an exchange rate margin applies. Make clear with the sender who covers the fees, especially for larger amounts.