SWIFT/BIC codes in Austria: banks starting with M

Finding a SWIFT code in Austria

Here you will find codes for 822 institutions in Austria, 1191 codes in all. Every code points to a bank or a specific branch or department, so a payment from abroad reaches the right place.

Look for the recipient’s bank below and open its page for all codes we have. The rest of this page explain the structure of the codes, what transfers cost and the checks worth doing.

Sending money to Austria for less

If you send money to Austria through a regular bank, the stated fee is only part of what you pay. Besides the fee, intermediary banks can take a cut and, if currencies are converted, the bank often uses a rate below the real market rate.

The real cost is often in the rate, not in the fee. A simple test: put the rate you get next to the mid-market rate and work out the difference on your amount.

Specialist money transfer services often use rates closer to the mid-market rate and lower fees. GoldexPay lists these providers side by side so you can see what actually arrives in Austria before you commit.

Paying in EUR: what conversion costs you

Most accounts in Austria are usually held in EUR. Money sent in a different currency is converted into EUR – and the bank that does it picks the rate.

Who converts the money makes a difference. Often it is cheaper if you send EUR directly via a provider with a good rate rather than letting the receiving bank convert. On larger amounts, even a small gap in the rate can be worth more than the fee.

How long does a transfer to Austria take?

How fast money reaches Austria is determined by a few things: which currency you send, how many intermediary banks are involved, cut-off times and time zones. Transfers sent late in the day or on a weekend or public holiday usually start the next business day.

A growing number of banks use SWIFT gpi. Every gpi transfer carries a unique transaction reference, the UETR, which the sending bank can use to trace it. Specialist transfer services usually provide a status in their app.

The largest SWIFT network in Austria: Unicredit Bank Austria AG

In our data, Unicredit Bank Austria AG has the most SWIFT/BIC codes of all banks in Austria. The head office of Unicredit Bank Austria AG has BKAUATWWXXX.

Many codes often reflects that the bank registers branches and departments separately – it says nothing about the size of the bank as such. Unless a branch code is given, BKAUATWWXXX is fine for a payment to Unicredit Bank Austria AG.

Austria and the SEPA area

Austria is part of the SEPA area. For a standard euro transfer from another SEPA country, the IBAN is usually enough and the BIC is often filled in automatically.

The BIC does matter for payments in other currencies and for transfers from outside SEPA. Instant euro transfers have become increasingly supported within SEPA – check whether your bank supports them. Fees are generally low provided no currency is converted – conversion is what costs money.

Incoming international payments in Austria

If you expect a payment from another country on an account in Austria, give the sender a complete set of details. Give them your name as registered with the bank, the IBAN or account number, the BIC of your bank and your address.

The code of your bank appears in our list but always compare it with your own bank details. Some banks may also ask for your bank’s address.

What lands in your account is often lower than what was sent. Charges on incoming payments differ per bank; check the price list of your bank. Make clear with the sender who pays which costs.

The structure of a Austria SWIFT/BIC code

SWIFT/BIC codes use the same format worldwide: 8 characters, sometimes followed by three more. The first four letters stand for the bank, the fifth and sixth characters are the country code and characters seven and eight mark the location.

In every code from Austria, letters five and six are the two-letter ISO code of Austria – that is the quickest way to spot one. Codes with other letters in that position belong to another country, even if the bank name looks familiar.

An 11-character code ends in three characters for a branch. Choose a branch code just if the recipient’s bank asks for it; otherwise the head office code is the safe choice.

Check the code before you pay

The most reliable source for the BIC is the bank details provided by the recipient. A wrong code may lead to delays, a returned payment or additional charges – compare it with the code in our list.

Our SWIFT/BIC directory is compiled from publicly available sources that we update periodically. Banks reorganise, change names and change codes, and no directory catches every change immediately. Treat our data as a starting point rather than the last word. GoldexPay is a comparison site for money transfers.

Be wary of payment requests with a new account, especially when they come by email. A real SWIFT code tells you nothing about whether a request is genuine.

SWIFT codes in Austria: banks under :letter

This filter limits the list to banks in Austria starting with :letter, so you can find a bank faster. The counts in the introduction always cover the whole country, not just this letter.

Many institutions appear under their legal name, so the letter can differ from what you expect. Try the full list for Austria when you do not know the exact name.