SWIFT/BIC codes in Austria: banks starting with N

Finding a SWIFT code in Austria

For Austria we have 1191 SWIFT/BIC codes. Each code identifies a bank or one of its branches.

Select a bank from the list to view its head office code and any branch codes. The sections below explain the structure of the codes, the cost of transfers and how to avoid mistakes before you send money.

Unicredit Bank Austria AG and its SWIFT codes

Unicredit Bank Austria AG leads the list of Austria banks in SWIFT/BIC codes. Its head office code is BKAUATWWXXX.

How many codes a bank has says more about how it organises its payments than about how big it is. Unless the recipient asks for a branch, BKAUATWWXXX is fine for transfers to this bank.

Transfer times to Austria

An international transfer to Austria typically takes anywhere from one to several business days, depending on the currency, the route and the banks involved. Bank holidays in Austria or in the sending country can add extra days to the journey.

When a payment takes longer than expected, ask the sender to contact the sending bank and ask for the status or the UETR; only the sending side can start an official trace. Specialist transfer services usually show tracking online, which makes it easier to see where the money is.

Incoming international payments in Austria

For a transfer from abroad into a Austria account, the sender has to have more than the BIC. Give them the account holder’s name, the IBAN or account number, your bank’s SWIFT code and your address.

The code of your bank appears in our list but always compare it with your own bank details. You can include the name and city of your bank as well.

Do not be surprised if the incoming amount is below the amount on the sender’s receipt. Correspondent banks can take a fee, and when currencies differ, an exchange rate margin comes on top. Make clear with the sender who covers the fees, especially for larger amounts.

Bank or transfer service for Austria?

If you send money to Austria with a regular bank, the stated fee is only part of the cost. There is the transfer fee, sometimes charges from intermediary banks along the way and, above all, the margin on the exchange rate.

The markup on the rate is often the largest part of the cost because it is hidden in the rate. Compare the bank’s rate with the mid-market rate.

Specialised transfer providers frequently use a rate near the mid-market rate and lower fees. On GoldexPay we compare the amount that arrives in Austria with different providers, so you can pick the cheapest route.

How SWIFT codes from Austria are built

SWIFT/BIC codes follow the same format worldwide: eight characters, sometimes followed by three more. First comes a four-letter bank code, then a two-letter country code and a two-character location code.

You can spot a code from Austria from letters five and six – those always form the country code of Austria. When those two letters do not match Austria, the code belongs to a bank in another country.

The long version ends in a branch code – XXX stands for the head office. Choose a branch code just when the recipient explicitly gives you one – otherwise stick with the head office.

Banks in Austria starting with :letter

You are looking at a selection: just institutions in Austria whose name begins with :letter. The totals on this page apply to all 822 banks, not just the ones under :letter.

Cannot find the bank? Its official name may begin with another word. The full overview for Austria remains one click away if the letter filter does not help.

About our data and how to check a code

Ask the recipient to send you the account details straight from their banking app. A wrong code may lead to delays, a returned payment or additional charges, so compare it with the list on this page.

The directory on GoldexPay is compiled from publicly available sources and is updated regularly. Still, banks merge, rename themselves or change codes. Use this list as a reference, not as the final word: the bank details from the recipient come first. GoldexPay is a comparison site.

Watch out for invoices containing changed bank details – a common fraud method. Always verify a change of bank details through a separate channel, using a number you already had.

Austria and the Euro

Most accounts in Austria are typically held in EUR – the Euro. A payment in a foreign currency will be exchanged into EUR on its way to the recipient, and whoever converts it chooses the rate.

Who does the conversion has an effect on how much arrives, since every bank sets its own rate. Compare what EUR the recipient gets via different providers before choosing one. Exchange rates change during the day, so a quote is usually valid only briefly.

Paying in euros to Austria

Austria is part of the Single Euro Payments Area (SEPA), the zone for uniform euro payments. For a regular euro transfer from another SEPA country, you normally only need the IBAN; many banks no longer ask for the BIC.

You still need a SWIFT code when sending non-euro payments or money from outside the SEPA area. Euro payments within SEPA usually arrive by the next business day or faster with instant payments. Provided no conversion is involved, a SEPA transfer tends to be cheap.