SWIFT/BIC codes in Austria: banks starting with L

Bank SWIFT codes for Austria

Here you will find the SWIFT/BIC codes of 822 institutions in Austria, 1191 codes in all. A SWIFT code tells the banks handling a transfer exactly which bank should receive the money.

Select a bank from the list to view the head office code and its other codes. Below the list we explain how a code from Austria is put together, how to send money to Austria at a fair price and how to check a code before you pay.

SEPA transfers to Austria

Inside SEPA, euro payments to Austria use common rules and in most cases need only the IBAN. The BIC field is usually optional in that case.

A SWIFT code does matter when the currency is not euros. SEPA transfers usually arrive by the next business day or faster with instant payments. As long as no conversion is involved, a SEPA transfer tends to be inexpensive.

What the letters in a Austria BIC mean

A BIC is either 8 or 11 characters long. Characters one to four stand for the bank, characters five and six form the country code and the next two give the location.

No matter which bank, all Austria codes share the same fifth and sixth letters: the ISO code of the country. When those two letters do not match Austria, you are looking at a bank somewhere else, so check again.

The last three characters, if present, identify a branch or department; XXX means the head office. Choose a branch code only if the recipient’s bank asks for it; otherwise the head office code is the safe choice.

SWIFT codes in Austria: banks under :letter

You are looking at a filtered list: only banks in Austria whose name begins with :letter. The totals on this page apply to all 822 banks and not only this letter.

Bank not listed? The registered name may begin with another word, for example the full legal name rather than a brand name. Try the full list for Austria if you do not know how the name is spelled.

How reliable is this list?

Ask the recipient to copy the account details straight from their online banking. When the code you were given differs from our list, do not guess: check with the recipient or the bank.

Our SWIFT/BIC directory is compiled from publicly available sources. Banks merge, change names and change codes. For any payment of any size, confirm the code with the recipient’s bank. We are an independent comparison service for money transfers, not a bank.

Scammers often use payment requests with changed bank details from what looks like a familiar address. Always confirm a change of bank details by phone.

What a sender needs to pay you in Austria

When you expect a payment from another country in Austria, send the payer all details at once. Share the account holder’s name, the IBAN or account number, your bank’s SWIFT code and your address, which some banks require.

Your bank’s code is in our list. You can include your bank’s name and city as well because some forms have separate fields for it.

Expect that the incoming amount is smaller than what the sender paid. Intermediary banks may deduct a fee, your bank may charge for incoming payments, and if the money is converted, a markup on the rate comes on top. For business payments, state how the fees are split to avoid a shortfall.

Bank or transfer service for Austria?

When you transfer money to Austria via a regular bank, the stated fee is only part of what you pay. You pay a transfer fee, sometimes charges from intermediary banks along the way and, most importantly, the margin on the exchange rate.

The real cost is often in the rate, rather than in the fee – the bank builds a margin into its rate. Check the bank’s rate against the mid-market rate that you find on financial sites.

Money transfer services frequently offer a rate near the mid-market rate. GoldexPay lists transfer services next to each other, showing what actually arrives in Austria.

Transfer times to Austria

There is no single answer for transfers to Austria: many land within a day while others need several business days. Bank holidays in Austria or in the sending country can add extra days.

If the money seems delayed, the sender should contact the sending bank for a trace – the receiving bank often cannot see a payment that has not arrived. Specialist transfer services usually show tracking in their app, which makes it easier to see where the money is.

Sending EUR to Austria

The currency of Austria is the Euro (EUR). A payment in a foreign currency will be converted into EUR, and whoever converts it chooses the rate.

Which bank converts the money matters, because each party uses its own rate. Check how much EUR the recipient gets via several providers. With bigger transfers, a seemingly small difference in the rate adds up quickly.

Unicredit Bank Austria AG and its SWIFT codes

Of all banks in Austria, Unicredit Bank Austria AG has the most codes. The head office of Unicredit Bank Austria AG uses BKAUATWWXXX and that code covers most payments.

Many codes often means that the bank registers branches and departments separately – it says nothing about the size of the bank as such. Making a payment to Unicredit Bank Austria AG? Go with BKAUATWWXXX unless a specific branch code is requested.