SWIFT/BIC codes in Austria: banks starting with W

Bank SWIFT codes for Austria

On this page you find codes for 822 banks in Austria – 1191 codes altogether. You will need such a code mainly for payments across borders, and especially for payments in foreign currencies.

Look for the recipient’s bank in the list and open its page to see all codes we have and the details a transfer needs. Further down you can read how a code from Austria is put together, how to send money there without overpaying and how to check a code before you pay.

Austria and the Euro

Austria pays in the Euro. If you send another currency, the amount has to be converted at some point.

Who does the conversion affects how much arrives. In many cases you pay less to send EUR straight away via a transfer service that converts near the mid-market rate rather than letting the receiving bank convert. With bigger transfers, a seemingly small difference in the rate can be worth more than the fee.

Austria and the SEPA area

Austria is a member of the SEPA area. When you send euros from another SEPA country, the IBAN is usually enough and the BIC is often filled in automatically.

You will still need a SWIFT code for non-euro payments or money from outside the SEPA area. Instant payments in euros are widely supported across SEPA, though not every bank offers them for every account. Provided the payment stays in euros, the transfer is usually cheap.

Bank or transfer service for Austria?

If you transfer money to Austria with a regular bank, the fee you see is only part of what you pay. Besides a fixed fee, correspondent banks may take a cut and, if currencies are converted, the bank often uses a less favourable rate than the real market rate.

Most of the cost usually sits in the exchange rate. Check the bank’s rate with the mid-market rate, the midpoint you see on financial news sites; the gap is what conversion costs you.

Money transfer services often offer a rate near the mid-market rate. Before you send money to Austria, it is worth comparing the total cost via GoldexPay.

When does money sent to Austria arrive?

An international transfer to Austria usually takes anywhere from one to several business days. Bank holidays in Austria or in the sending country can add a day or more.

Many banks are connected to SWIFT gpi. Every gpi transfer gets a unique reference, the UETR that banks can use to see where the money is. Keep the payment confirmation until the money has arrived; a bank needs it to start a trace.

Unicredit Bank Austria AG and its SWIFT codes

In our data, Unicredit Bank Austria AG has the most SWIFT/BIC codes of all banks in Austria. The head office uses BKAUATWWXXX, which is the code to use when no branch is specified.

Banks differ in whether they register branch codes, 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.

What the letters in a Austria BIC mean

A SWIFT code is either 8 or 11 characters long and follows a fixed pattern. Characters one to four stand for the bank, the fifth and sixth characters form the country code and characters seven and eight mark the location.

You can recognise a bank code from Austria from letters five and six. When those two letters point to another country, you are looking at a bank in another country – worth double-checking.

An 11-character code ends in a branch code – XXX stands for the head office. For most transfers the head office code is what you need unless the recipient asks for a specific branch.

Receiving money in Austria from abroad

If you expect a payment from another country in Austria, give the sender everything they need in one go. Share the account holder’s name, your account number or IBAN, your bank’s SWIFT code and your address.

Your bank’s code appears in our list but always compare it with your own bank details. It helps to add the name and city of your bank, since some payment forms ask for it.

What lands in your account is often lower than the amount sent. Fees for incoming transfers differ per bank. On invoices, state how the fees are split to avoid a shortfall.

About our data and how to check a code

Ask the recipient to copy their bank details directly from a recent statement. If the code you have differs from our list, do not guess – contact the recipient or their bank.

This list is based on public sources. Institutions reorganise, change names and retire codes, and no directory catches every change immediately. For any payment that matters, confirm the code with the recipient’s bank. We are an independent comparison service, not a bank.

Scammers often use payment requests with new bank details that look completely genuine. Always confirm changed details by phone on a number you know.

Filter: banks in Austria with :letter

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

Cannot find the bank? Its official name may start with a different letter. Try the full list for Austria when you are not sure how the name is spelled.