SWIFT/BIC codes in Austria: banks starting with K

Austria: banks and their SWIFT/BIC codes

For Austria we have 1191 SWIFT/BIC codes from 822 banks. A BIC tells the banks handling a transfer which institution should receive an international payment.

Choose the bank from the list to see its head office code and any branch codes along with tips for payments to and from that bank. Below the list you can read how codes from Austria are built, how to send money to Austria without overpaying and how to check a code before you pay.

What a sender needs to pay you in Austria

To receive a transfer from abroad into a Austria account, the person paying you needs more than the SWIFT code. Give them your name as registered with the bank, your account number or IBAN, your bank’s SWIFT code and your address.

Your bank’s code is in the list on this page. Certain sending banks may also ask for the name and address of your bank, so keep it at hand.

What lands in your account is often less than what was sent. Fees for incoming transfers vary from bank to bank. On invoices, state who bears the costs, so nobody is left short.

Sending EUR to Austria

Bank accounts in Austria are usually held in EUR – the Euro. A payment in a foreign currency will be exchanged into EUR on its way to the recipient – and the bank that does it picks the rate.

Who converts the payment matters. In many cases 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. With bigger transfers, even a small difference in the rate can be worth more than the fee.

Recognising a SWIFT code from Austria

Every SWIFT/BIC code consists of eight or eleven characters in a fixed order. The first four letters identify the bank, characters five and six form the country code and the next two mark the location.

No matter which bank, all Austria codes have the same fifth and sixth letters: the ISO code of the country. When the country letters point to another country, the code belongs to a bank in another country.

The long version adds three characters for a branch. Use a branch code only when the recipient explicitly gives you one – otherwise stick with the head office.

When does money sent to Austria arrive?

There is no fixed answer for transfers to Austria: some arrive within a day while others need several business days. Transfers sent late in the day or on a weekend or public holiday usually start a business day later.

When a payment takes longer than expected, the sender should contact their own bank; only the sending side can start an official trace. Keep the payment confirmation; a bank needs it to start a trace.

Austria and the SEPA area

Austria belongs to the Single Euro Payments Area (SEPA), where euro transfers follow common rules. When you send euros from another SEPA country, you normally only need the IBAN; many banks no longer ask for the BIC.

The BIC does come into play when the currency is not euros and when the money comes from outside SEPA. Instant payments in euros have become increasingly supported across SEPA – check whether your bank supports them. Provided no conversion is involved, a SEPA transfer is usually cheap.

Bank or transfer service for Austria?

A bank transfer to Austria can cost rather more than you think. Besides a fixed fee, intermediary banks can take a cut, and when the money is converted the bank usually applies a rate below the real market rate.

The markup on the rate is often the largest part of the cost, even though it is not listed as a fee. A simple test: set the rate you get next to the mid-market rate and look at the difference.

Specialist money transfer services often offer a rate near the mid-market rate. Before your next transfer to Austria, it is worth comparing the total cost via GoldexPay instead of going straight to your bank.

How reliable is this list?

The most reliable place for the right code remains paperwork issued by the bank. An incorrect BIC may lead to a delay, a payment being sent back or additional charges.

We gather bank codes from public sources and check our list regularly. Banks merge, change names and retire codes – a directory can be a step behind. Treat this list as a starting point: the bank details from the recipient come first. GoldexPay is an independent comparison site and has no link to the banks in this list.

Watch out for payment requests containing a new account. A real SWIFT code tells you nothing about who owns the account: criminals use real codes too.

Banks in Austria beginning with the letter :letter

You are looking at a filtered list: just institutions in Austria with a name starting with :letter. The figures for Austria on this page cover every bank we list and not only this letter.

Cannot find the bank? Its official name might start with a different letter – think of the full legal name instead of the brand. The complete list is one click away if the letter filter does not help.

Unicredit Bank Austria AG and its SWIFT codes

Unicredit Bank Austria AG leads our list for Austria when it comes to the number of SWIFT/BIC codes. The head office uses BKAUATWWXXX.

How many codes a bank has tells you something about how it organises its payments than about its size. Unless a branch code is given, the head office code BKAUATWWXXX works for transfers to this bank.