Sparda-Bank Austria Egen SWIFT/BIC code

What SPDAAT21 means for a payment to Sparda-Bank Austria Egen

SPDAAT21 and SPDAAT21XXX are two spellings of the same SWIFT/BIC code, and both lead to Sparda-Bank Austria Egen in Linz. The code does one job: it makes sure that a cross-border transfer ends up at the right bank. In practice you usually come across it on invoices from abroad, in your banking app and in the bank details of Sparda-Bank Austria Egen customers.

We wrote this page to help anyone who sends money to an account at Sparda-Bank Austria Egen and wants to get the details right. The SWIFT code on its own does not identify a personal account; for that you need the account number or IBAN .

How to check SPDAAT21 before you pay

The most reliable source for a SWIFT code is the recipient’s own bank details – an invoice, a statement or a screenshot from online banking. If the code you have does not match SPDAAT21 or SPDAAT21XXX, do not guess – contact the recipient or Sparda-Bank Austria Egen.

An incorrect BIC may lead to delays, a payment being sent back or additional charges along the way. An error in the IBAN or account number is more serious because it can reach the wrong person; check it just as carefully.

Most online banking apps check the format of an IBAN and some suggest the matching BIC, but that does not prove the account belongs to the right person. Where available, a name check on the recipient adds extra certainty. Sending a small amount first can be a sensible step for a large first payment.

Sparda-Bank Austria Egen: head office code versus branch codes

Our database contains 2 SWIFT/BIC codes for Sparda-Bank Austria Egen, spread over 1 locations. Besides the head office code SPDAAT21XXX, you will find codes for branches, departments or specific services.

For the vast majority of incoming transfers, the head office code SPDAAT21XXX works fine. Just use a branch code when the account holder gives you that exact code, for example on an invoice or in their bank details.

If you are not sure, ask the person you are paying which code their bank gave them. Branch codes are sometimes changed or retired over time.

Where our SWIFT data comes from

We collect SWIFT/BIC codes from publicly available data and update our list regularly. It is possible that information on this page is out of date, for example after a merger. Figures such as the number of codes come from our directory and are not confirmed by Sparda-Bank Austria Egen.

For any payment of any size, always check the BIC with the recipient’s bank or with the recipient. GoldexPay is independent of Sparda-Bank Austria Egen. Spotted outdated information? Tell us through the contact page.

Paying into Sparda-Bank Austria Egen in EUR

The local currency in Austria is the Euro (EUR). A payment in a foreign currency will be converted into EUR on its way to Sparda-Bank Austria Egen – and the bank that does it picks the rate. There is rarely a separate charge for that conversion.

Who does the conversion affects how much arrives, as rates and margins differ per bank. Sending the money directly in EUR usually avoids a second conversion at the receiving end – as long as your own rate is good.

Rates for EUR change during the day. For regular payments, small differences in the rate add up over a year.

Euro transfers to Sparda-Bank Austria Egen: is a BIC needed?

Austria belongs to the SEPA area, the zone for standardised euro payments. When you send euros within SEPA, you normally only need the IBAN.

For anything other than euros and for senders outside SEPA, SPDAAT21XXX remains required. If a payment form has a field for the BIC regardless, entering SPDAAT21 does no harm.

SEPA transfers normally land by the next business day. Fees for SEPA payments are generally low as long as everything stays in euros.

Watch out for payment fraud

Be wary if a contact unexpectedly asks you to pay into another account or a bank in another country. A valid SWIFT code tells you nothing about whether the request is genuine – scammers simply use real codes.

Verify new payment details through a different channel. Pressure or secrecy tend to be warning signs – a real supplier can wait a day. Acted too fast? Call your bank straight away and have them start a recall and report the fraud.

Scams also work the other way: someone claims to have sent more than agreed and asks you to refund the difference. Do not act before the money has really arrived – ask Sparda-Bank Austria Egen if something looks wrong.

8 or 11 characters: SPDAAT21 versus SPDAAT21XXX

Every SWIFT/BIC code starts with the same eight core characters: four letters for the bank, a two-letter country code and two characters for the location. Together, those parts form SPDAAT21 – the version you usually see online.

Many banks and apps work with both lengths. If yours asks for eleven characters, enter SPDAAT21XXX, otherwise SPDAAT21 is fine.

Do not add spaces, dots when you enter SPDAAT21 or SPDAAT21XXX. Pasting the code is safer than typing it by hand.

International transfers from Sparda-Bank Austria Egen: the real cost

When you send money abroad through Sparda-Bank Austria Egen, the fee you see is only part of what you pay. Besides the transfer fee, banks in between can take a cut, and when currencies are converted, the bank often uses a rate that is less favourable than the actual market rate.

Most of the cost usually sits in the exchange rate: the bank converts using an exchange rate with a margin built in. An easy check: set the rate you get against the mid-market rate and work out the difference on your amount.

Specialised transfer providers often offer a rate near the mid-market rate and lower fees. GoldexPay compares what recipients receive with different services. Choosing a specialist does not require closing your account at Sparda-Bank Austria Egen: you simply pay the service from your account.

Transfer times and tracking a payment to Sparda-Bank Austria Egen

How fast a transfer arrives at Sparda-Bank Austria Egen depends on several factors: the currency, how many intermediary banks are involved, cut-off times and differences in time zone. Payments made after the cut-off time or just before a weekend or public holiday usually go out the next business day. Occasionally a bank wants to know what the payment is for, which can hold things up.

Many banks use SWIFT gpi, which lets them follow a payment from bank to bank. Each gpi transfer gets a unique transaction reference, the UETR. Save the payment confirmation until the recipient confirms – you will need it for any trace request.

A delayed transfer is traced by the sending bank, using the payment confirmation. As a recipient, you can check your statements for a slightly lower amount.

Incoming international payments to Sparda-Bank Austria Egen

For an international payment into your account at Sparda-Bank Austria Egen, the sender needs not just the SWIFT code. In practice that means: your name exactly as it appears on the account, your IBAN or account number, the SWIFT/BIC code SPDAAT21XXX and sometimes your postal address.

The sender’s bank may also ask for the bank address of Sparda-Bank Austria Egen, in which case the Linz head office is the usual answer. A mistake in the IBAN is more trouble than you might think; copy them from your banking app rather than typing.

The amount you receive is often lower than what was sent. Fees for incoming transfers vary per bank; check the price list of Sparda-Bank Austria Egen. Agree with the sender who covers the fees.