SWIFT/BIC codes in Austria: banks starting with T

SWIFT/BIC codes in Austria

This directory contains 822 banks and financial institutions in Austria, with 1191 SWIFT/BIC codes in total. Every code points to a bank or one of its branches, so a payment from abroad reaches the right place.

Choose the bank from the list to view the head office code and any branch codes. Further down you can read how codes from Austria are built, how to send money to Austria at a fair price and what to check before you pay.

Tracking a payment to Austria

How fast a payment reaches Austria depends on several factors: which currency you send, the number of banks in between, daily processing deadlines and time zones. Public holidays in Austria or in the sending country add a day or more to the journey.

When a payment takes longer than expected, ask the sender to contact their own bank and ask for the status or the UETR; only the sending side can start an official trace. Specialist transfer services often provide tracking online so you can follow the payment.

The structure of a Austria SWIFT/BIC code

A SWIFT code is 8 or 11 characters long. It starts with a four-letter bank code, then a two-letter country code and two characters for the location.

Whatever the bank, every code from Austria have the same fifth and sixth letters, namely the ISO code of Austria. Codes with a different country code come from another country – a quick way to catch mistakes.

The long version adds three characters for a branch. Use a branch code just when the recipient’s bank asks for it – otherwise stick with the head office.

The largest SWIFT network in Austria: Unicredit Bank Austria AG

In our directory, Unicredit Bank Austria AG holds the largest number of SWIFT/BIC codes in Austria. Its head office code is BKAUATWWXXX – the code most transfers need.

Practice differs in how many codes they register, so the count is not a ranking of size. Unless a branch code is given, BKAUATWWXXX is fine for transfers to this bank.

Austria and the SEPA area

Inside SEPA, euro payments to Austria follow the same rules, so the IBAN does the job in most cases. The BIC field is usually optional in that case.

You still need a SWIFT code when sending payments in other currencies or transfers from countries outside SEPA. Instant payments in euros are increasingly available across SEPA. Costs stay low provided no currency is converted.

The cheapest way to send money to Austria

If you send money to Austria through your bank, the stated fee is rarely all of what you pay. On top of a fixed fee, correspondent banks may deduct a charge, and when the money is converted the bank usually uses a rate below the actual market rate.

That exchange rate margin is often the largest cost item. An easy check: put the rate you get against the mid-market rate and work out the difference on your amount.

Money transfer services often use rates closer to the mid-market rate and lower fees. GoldexPay compares the amount that arrives in Austria with different services, so you can pick the cheapest route.

What a sender needs to pay you in Austria

To receive an international payment into a Austria account, the person paying you has to have not just the BIC. Give them the account holder’s name, the IBAN or account number, your bank’s SWIFT code and your address.

Look up the bank in the list on this page and compare the code with your own bank details – your bank statement is the final word. Certain sending banks also want your bank’s address, so keep it at hand.

Do not be surprised if the incoming amount is below what the sender paid. Fees for incoming transfers differ per bank. Make clear with the sender who pays which costs.

SWIFT codes in Austria: banks under :letter

Here you see a selection: only institutions in Austria whose name begins with :letter. The totals on this page cover every bank we list, not just the ones under :letter.

Cannot find the bank? Its official name may start with a different letter, for example the full legal name rather than a brand name. Try the full list for Austria when you do not know how the name is spelled.

How reliable is this list?

The best place to find the correct BIC remains a document from the bank itself. If the code you have differs from the code listed here, do not guess: check with the recipient or the bank.

We gather SWIFT/BIC codes using publicly available data and check them from time to time. Still, banks merge, rename themselves or change codes, so information can be out of date. For any payment that matters, check the BIC with the recipient’s bank. GoldexPay is an independent comparison service, not a bank.

Be wary of payment requests with a new account. Before paying, verify changed details by phone on a number you know.

Sending EUR to Austria

Bank accounts in Austria are usually held in EUR. Money sent in a different currency is exchanged into EUR, and whoever converts it chooses the rate.

Who does the conversion affects how much arrives. In many cases it is cheaper if you send EUR straight away via a transfer service with a good rate rather than letting the receiving bank convert. Exchange rates change during the day – some providers let you lock in a rate.