SWIFT/BIC codes in Austria: banks starting with O

Bank SWIFT codes for Austria

This overview covers 822 banks and other institutions in Austria and 1191 SWIFT/BIC codes between them. A BIC tells every bank in the chain which institution is meant to get an international payment.

Pick the bank below to see the head office code and its other codes along with tips for payments to and from that bank. Further down you can read how codes from Austria are built, how to send money there without overpaying and what to check before you pay.

The Euro (EUR) and conversion costs

The national currency of Austria is the Euro (EUR). When you pay another currency, it has to be converted somewhere along the way: by your bank, an intermediary or the receiving bank.

Where the conversion happens affects how much arrives. Often it is cheaper if you send EUR straight away via a transfer service with a good rate rather than letting the receiving bank convert. With bigger transfers, even a small gap in the rate adds up quickly.

Verifying a SWIFT code from Austria

The most reliable place for the correct BIC remains paperwork issued by the bank. When the code you were given differs from the code listed here, do not guess: check with the recipient or the bank.

Our SWIFT/BIC directory is based on public sources and is updated regularly. Still, banks merge or change codes, so information can be out of date. Use our data as a starting point. GoldexPay is an independent comparison site and has no link to the banks in this list.

Scammers often use payment requests with new bank details that look completely genuine. A real SWIFT code tells you nothing about whether a request is genuine – scammers use the codes of real banks.

Banks in Austria starting with :letter

Here you see a filtered list: just banks in Austria whose name begins with :letter. The counts in the introduction still refer to all banks in Austria and not only this selection.

If the bank you need does not appear under :letter, check the full list – the registered name can differ from the name people use. The full overview for Austria is one click away if the letter filter does not help.

SEPA transfers to Austria

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

A SWIFT code does come into play when the currency is not euros. SEPA transfers normally land within one business day, and instant transfers in seconds where both banks support them. Fees are generally low provided everything stays in euros.

Unicredit Bank Austria AG and its SWIFT codes

Of the 822 banks in Austria, Unicredit Bank Austria AG has the most codes. Its head office code is BKAUATWWXXX.

Banks differ in how many codes they register, so the count is not a ranking of size. Making a payment to Unicredit Bank Austria AG? Use BKAUATWWXXX except when the recipient gives you a branch code.

Recognising a SWIFT code from Austria

Each SWIFT/BIC code has eight or eleven characters in a fixed order. Characters one to four identify the bank, the fifth and sixth characters are the country code and characters seven and eight mark the location.

No matter which bank, every code from Austria have the same country code in positions five and six, namely the ISO code of Austria. When those two letters do not match Austria, you are looking at a bank in another country, so check again.

The last three characters, if present, identify a specific branch; XXX means the head office. Choose a branch code just when the recipient’s bank asks for it.

When does money sent to Austria arrive?

There is no fixed delivery time for payments to Austria: many arrive within a day while others need several business days. Bank holidays in either country can add extra days, because banks do not process payments on those days.

When a payment takes longer than expected, ask the sender to contact the sending bank; only the sending side can start an official trace. Specialist transfer services often show tracking in their app so you can follow the payment.

What a sender needs to pay you in Austria

A sender in another country needs several details about your account. In practice that means: your name exactly as it appears on the account, your account number or IBAN, the SWIFT/BIC code of your bank and, often, your postal address.

The code of your bank is in our list, yet the version on your own statement or in your banking app is leading. Certain banks may also ask for your bank’s address; it does no harm to include it.

What lands in your account is often lower than what was sent. Charges on incoming payments vary per bank – your bank’s price list tells you what applies. Agree with the sender who covers the fees before the money is sent.

The cheapest way to send money to Austria

What you pay for a transfer to Austria has several parts. You pay the transfer fee, sometimes fees from correspondent banks along the way and, above all, the margin on the exchange rate if the money is converted.

The markup on the rate is often the largest cost item because it is hidden in the rate. An easy check: set the rate you get next to the mid-market rate and look at the difference.

For many currency pairs, a specialist provider turns out to be cheaper than a traditional bank transfer – mostly thanks to the exchange rate. On GoldexPay you can compare the amount that arrives in Austria across providers, which makes the cheapest option easy to spot.