Unicredit Bank Austria AG SWIFT/BIC code

What BKAUATWW means for a payment to Unicredit Bank Austria AG

BKAUATWW and BKAUATWWXXX are two ways of writing the same bank identifier, and both lead to Unicredit Bank Austria AG in Vienna. The code has a single purpose: it ensures that money from abroad ends up at the right bank. You will need it mostly when dealing with transfers between countries.

We wrote this page to help people who receives money at an account at Unicredit Bank Austria AG and wants to get the details right. The SWIFT code on its own does not identify an individual account holder; that is what the account number or IBAN .

Is BKAUATWW still correct? How to check

The most reliable place for the right code remains paperwork issued by the bank. Check that code with BKAUATWW here; if they differ, ask before you pay.

An incorrect BIC may lead to delays, a payment being sent back or additional charges for investigation. Do not forget the IBAN: an error there is harder to correct than a wrong BIC.

An automatic check by your bank only confirms that the code is valid. More and more banks compare the payee name with the account – do not ignore a mismatch warning. When you pay someone new, some people send a small amount first and wait for confirmation.

Where our SWIFT data comes from

The details here come from public sources that we update regularly. It can happen that a code on this page is out of date after a merger or reorganisation. Figures such as the number of codes are from our directory and may differ from what Unicredit Bank Austria AG publishes.

Use our data as a reference, rather than as the final word. GoldexPay is an independent comparison service for money transfers and not affiliated with Unicredit Bank Austria AG. If you notice something that is out of date, we appreciate a message.

Paying Unicredit Bank Austria AG in euros within SEPA

Within the SEPA zone, euro transfers to Unicredit Bank Austria AG use the same rules. A field for the BIC is usually optional or missing in that case.

Outside the euro and for senders outside SEPA, BKAUATWWXXX or BKAUATWW is still part of the payment details. If a payment form has a field for the BIC regardless, entering BKAUATWW is fine.

Instant payments in euros have become increasingly available across SEPA. Charges on SEPA transfers are generally low.

Incoming international payments to Unicredit Bank Austria AG

If you expect a payment from another country, send the payer all details at once. The basics are: the account holder’s name, account number or IBAN, BKAUATWWXXX and often your postal address.

Certain sending banks also ask for the bank’s address. Double-check every detail before you share them, because the sender’s bank usually copies them as is.

Expect that the amount credited is below what the sender paid. Correspondent banks can take a fee, and if the money is converted, an exchange rate margin applies. On invoices, you can state who bears the costs to avoid a shortfall.

Which of the 76 codes of Unicredit Bank Austria AG do you need?

Unicredit Bank Austria AG uses 76 separate SWIFT/BIC codes. One of them is the head office code; the others belong to branches or departments.

If nobody asks you for a branch code, use BKAUATWWXXX or its short form BKAUATWW. Just use a branch code when the account holder explicitly asks for it.

When in doubt, ask the person you are paying for the exact BIC in their bank details. Branch codes can change over time, so a code from an old document is not always valid.

Protect yourself against fake payment requests

Be alert if a contact unexpectedly asks you to pay into another account. A correct SWIFT code says nothing about whether the request is genuine.

Always confirm changed bank details through a phone call on a number you know, not one from the message. Watch out for urgent requests, unusual wording or a sender address that is slightly off. Acted too fast? Contact the bank you paid from straight away and have them try to recall the payment.

Fraud can also target the receiver: someone sends more than agreed and asks you to refund the difference. A screenshot of a transfer proves nothing.

What the XXX in BKAUATWWXXX means

Each SWIFT/BIC code has an 8-character core: four letters for the bank, a two-letter country code and two characters for the location. Together, those parts make up BKAUATWW.

The 11-character version adds three more characters that identify a branch or department. When those three characters are XXX, the code points to the head office, which is why BKAUATWWXXX and BKAUATWW lead to the same place.

Leave out spaces or dashes when you enter BKAUATWW. A single letter may route a payment to another bank, so check it twice.

How long does an international transfer to Unicredit Bank Austria AG take?

An international transfer typically takes one to a few business days, depending on the currency, the route and the banks involved. Bank holidays in the sending or receiving country add a day or more to the journey. Extra checks on larger or unusual payments can also cause a delay.

Many banks are connected to SWIFT gpi, which lets them follow a payment from bank to bank. Every payment gets a unique reference, the UETR that banks can use to trace it. Save the payment confirmation until the recipient confirms.

The bank that sent the money is able to start an official trace or a recall. As a recipient, it helps to check your account to see a slightly lower amount because fees can reduce the amount.

Sending EUR to Unicredit Bank Austria AG

Austria pays in the Euro. A payment in a foreign currency will be exchanged into EUR before it reaches the account, and whoever converts it chooses the rate. There is rarely a separate charge for the conversion – the cost sits in the rate.

Where the conversion happens has an effect on the final amount, since every bank sets its own rate. Often you pay less to send EUR directly via a provider that converts near the mid-market rate.

Rates for EUR move during the day, and some providers let you lock in a rate. With bigger transfers, a small difference in the rate adds up quickly.

Paying someone abroad from your Unicredit Bank Austria AG account

When you transfer money abroad from Unicredit Bank Austria AG, the visible fee is rarely all of the cost. There is the transfer fee, possibly fees charged by intermediary banks in between and, above all, the exchange rate markup.

Many banks do not show the margin on the rate separately. An easy check: set the bank’s rate against the mid-market rate and look at the difference.

For many routes, a transfer service turns out to be less expensive than a bank. GoldexPay compares these services next to each other so you can see the amount the recipient gets before you commit. Choosing a specialist does not require closing your account at Unicredit Bank Austria AG: you simply pay the service from your account.