SWIFT/BIC codes in Austria: banks starting with P

Finding a SWIFT code in Austria

Here you will find codes for 822 banks in Austria – 1191 codes altogether. You need a SWIFT/BIC code mainly when making international transfers, and especially for payments in foreign currencies.

Look for the bank you need below and click through for all codes we have and the details a transfer needs. Below the list you can read how codes from Austria are built, how to send money there without overpaying and what to check before you pay.

Banks in Austria starting with :letter

This list only shows banks in Austria whose name starts with :letter, sorted alphabetically. The counts in the introduction still refer to the whole country, not just this letter.

If the bank you need does not appear here, try the full list: banks are often registered under their full legal name. The complete list is one click away when the letter filter does not help.

Bank or transfer service for Austria?

When you send money to Austria through a regular bank, the fee you see is rarely all of the cost. You pay the transfer fee, sometimes fees from correspondent banks along the way and, above all, the margin on the exchange rate.

Most of the cost usually sits in the exchange rate, rather than in the fee: banks convert at a rate with a margin built in. Compare the bank’s rate against the mid-market rate that you find on financial sites. The difference is your real cost.

For many currency pairs, a specialist provider is cheaper than a bank. Before your next transfer to Austria, take a minute to compare the total cost on GoldexPay.

Check the code before you pay

The most reliable source for a SWIFT code is the bank details provided by the recipient: an invoice, a statement or their online banking. An incorrect BIC may lead to a delay, a payment being sent back or additional charges – compare it with the code in our list.

Our SWIFT/BIC directory is compiled from public sources and is updated regularly. Institutions reorganise, close branches and retire codes, and no directory catches every change immediately. Use this list as a starting point rather than the last word; the recipient’s bank details are leading. GoldexPay is not a bank and has no link to the banks in this list.

Fraudsters regularly send fake invoices carrying new bank details from what looks like a familiar address. A real SWIFT code tells you nothing about who owns the account – scammers use the codes of real banks.

Euro payments to Austria: is a BIC needed?

Austria is part of the SEPA area, the zone for uniform euro payments. When you send euros within SEPA, the IBAN is usually enough and the BIC is often filled in automatically.

You still need the BIC for payments in other currencies or money from outside the SEPA area. 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.

Which bank in Austria has the most codes?

Of the 822 banks we list for Austria, Unicredit Bank Austria AG is listed with the largest number of codes. Its head office code is BKAUATWWXXX, which is the code to use when no branch is specified.

How many codes a bank has says something about how it organises its payments than about its size. Making a payment to Unicredit Bank Austria AG? Use BKAUATWWXXX unless the recipient gives you a branch code.

Incoming international payments in Austria

If you expect money from abroad on an account in Austria, send the payer a complete set of details. That means: your name exactly as it appears on the account, your IBAN or account number, the BIC of your bank and usually your address.

The code of your bank is in the list on this page. Certain banks also want the name and address of your bank; it does no harm to include it.

Do not be surprised if the incoming amount is below what the sender paid. Charges on incoming payments vary from bank to bank; check the price list of your bank. For business payments, state how the fees are split to avoid a shortfall.

Tracking a payment to Austria

An international transfer to Austria typically needs anywhere from one to several business days, depending on the currency, the route and the banks involved. Transfers sent late in the day or on weekends and holidays usually go out a business day later.

If a transfer is delayed, the sender should contact their own bank and ask for the status or the UETR; only the sending side can start an official trace. Money transfer services usually show a status in their app, which makes it easier to see where the money is.

Paying in EUR: what conversion costs you

The national currency of Austria is the Euro (EUR). Money sent in a different currency is converted into EUR before it reaches the account.

Which bank converts the money makes a difference, because each party uses its own rate. Often you pay less to send EUR directly through a provider with a good rate so the receiving bank does not need to convert again. With bigger transfers, even a small gap in the rate can be worth more than the fee.

Recognising a SWIFT code from Austria

Every SWIFT/BIC code consists of 8 or 11 characters. First comes four letters for the bank, followed by two letters for the country and a two-character location code.

In every code from Austria, characters five and six show the two-letter ISO code of Austria. If those two letters point to another country, the code belongs to a bank in another country – worth double-checking.

An 11-character code adds a branch code, where XXX means the head office. Use a branch code just if the recipient’s bank asks for it; otherwise the head office code is the safe choice.