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Akif Hazarvi

Austria IBAN

AT·EUR·SEPA

The International Bank Account Number (IBAN) for Austria is 20 characters long and is used to identify bank accounts for international transactions, within the SEPA network for euro transfers and via SWIFT for non-euro currencies.

A Austria IBAN begins with the country code AT and two check digits, followed by the 16-character BBAN (Basic Bank Account Number). The Austria BBAN encodes a 5-character bank code, followed by a 11-character account number. As a SEPA member, Austria supports low-cost euro transfers across 36+ European countries using the EUR currency. Always include the full 20-character IBAN together with the bank's BIC/SWIFT code when making or receiving international payments.

IBAN Length

20 chars

Currency

EUR

SEPA

Yes

Banks

6+

Example IBAN

Electronic format

AT611904300234573201

Print format

AT61 1904 3002 3457 3201

IBAN structure for Austria

A Austria IBAN is 20 characters long and consists of the following components:

Country code

AT

Check digits

61

Bank code

5 chars

Account number

11 chars

Total length20 characters

BBAN format details

The Basic Bank Account Number (BBAN) is the domestic part of the IBAN, following the country code and check digits. Here is the BBAN validation format for Austria:

Bank code5 characters

^[0-9]{5}

Account number11 characters

^[0-9]{11}

Major banks in Austria

6 banks in Austria that support IBAN-based international transfers:

U

Unicredit

S

Sparkasse Muehlviertel-west Bank Ag

E

Erste Bank Der Oesterreichischen Sparkassen Ag

S

Steiermaerkische Bank Und Sparkassen Ag

R

Raiffeisen Bank International Ag

K

Klarna

Understanding IBAN in Austria

What is the IBAN format in Austria

An IBAN (International Bank Account Number) is an internationally-agreed code made up of up to 34 letters and numbers that helps banks make sure that international transfers are processed correctly. Each set of characters represents a different detail for your bank account. You can see the breakdown of this IBAN below.

What is the IBAN code in Austria

IBAN in Austria consists of 20 characters: 2 letter country code 2 digit check number 5 characters from the bank's bank code 11 digit code for the bank account number

Do you need an IBAN in Austria

Yes. If you’re making – or expecting to receive – an international money transfer to a bank account in Austria, then just a standard bank account number isn’t enough. If you want your money to arrive quickly and safely, you’ll usually need to give the bank a few extra details, such as an IBAN or SWIFT code. Banks assign IBANs to each of their accounts to make sure that international transfers are processed correctly. IBANs contain all of the country, bank, and account details you need to send or receive money internationally. This system is used throughout Europe, and also recognised in some areas of the Middle East, North Africa and the Caribbean.

Frequently asked questions

What is the IBAN format for Austria?

An Austrian IBAN is exactly 20 characters long. It starts with AT, 2 check digits, a 5-digit Bankleitzahl (BLZ — bank routing code), and an 11-digit account number. Example: AT61 1904 3002 3457 3201.

How do I find my IBAN in Austria?

Your AT IBAN is displayed in your bank's online banking (Internetbanking) or mobile app. Erste Bank, Raiffeisen, Bank Austria (UniCredit), and BAWAG all show the 20-character IBAN on the account overview (Kontoubersicht). It also appears on bank statements (Kontoauszug) and on your debit card.

Is Austria part of SEPA?

Yes. Austria is a eurozone and SEPA member. All domestic and cross-border euro transfers use the IBAN exclusively. Within SEPA, only the AT IBAN is required for euro transfers — no BIC/SWIFT code is needed.

What is the Austrian Bankleitzahl (BLZ) and how does it appear in the IBAN?

The Austrian BLZ is a 5-digit bank routing code identifying the bank and branch. It occupies positions 5-9 of the IBAN. Erste Bank uses BLZ ranges starting with 20, Raiffeisen banks start with 3, Bank Austria (UniCredit) with 12, and BAWAG with 14. The BLZ plus the 11-digit account number form the Austrian BBAN.

Do I need a SWIFT code to receive a transfer from outside Europe?

For SEPA transfers from EU and EEA countries, only the AT IBAN is required. For transfers from outside SEPA (such as from the US, UK, or Asia), the sender needs both your 20-character AT IBAN and your bank's SWIFT/BIC code. Erste Bank's SWIFT code is GIBAATWWXXX; Raiffeisen Zentralbank's is RZBAATWW; Bank Austria's is BKAUATWW.

What are common mistakes when sharing an Austrian IBAN?

Common mistakes include: confusing the 5-digit BLZ with the SWIFT code, providing only the Kontonummer without the AT prefix and BLZ, and entering incorrect BLZ digits (which can route the payment to the wrong bank). The 20-character length makes Austrian IBANs relatively compact and easy to verify.

Can I use my Austrian IBAN for salary, rent, and government payments?

Yes. Austrian employers, landlords, and government agencies all use the IBAN for salary payments, rent collection, and benefit disbursements. When starting a new job, signing a rental contract, or registering for social benefits in Austria, you will be asked to provide your AT IBAN.

How IBAN is used in Austria

Austria uses a 20-character IBAN that incorporates the five-digit Austrian Bankleitzahl (BLZ) and an eleven-digit account number. The structure is clean and well standardised across all Austrian banks. As a eurozone and SEPA member, Austria handles both domestic and cross-border euro transfers exclusively through the IBAN system. The Oesterreichische Nationalbank (OeNB) oversees the payment infrastructure, which includes the ARTIS real-time gross settlement system for large-value payments.

An Austrian IBAN begins with AT, two check digits, then a five-digit bank code (BLZ) and an eleven-digit account number. Example: AT61 1904 3002 3457 3201, where 19043 is the BLZ for Erste Bank. Major BLZ ranges: Erste Bank (19000-19999), Raiffeisen (32000-39999), Bank Austria/UniCredit (12000-12999), BAWAG (14000-14999).
Within SEPA, only the Austrian IBAN is needed for euro transfers — no BIC is required. For payments from outside Europe, such as from the United States or Asia, the sender should include both the IBAN and your bank's SWIFT/BIC code. Austria supports SEPA Instant Credit Transfer (SCT Inst) — most major Austrian banks process instant euro transfers in under 10 seconds.
Austrian employers, landlords, and government agencies all use the IBAN for salary payments (Gehaltsüberweisung), rent collection, and benefit disbursements. If you are moving to Austria, arrange a local bank account first — your IBAN is required for your Meldezettel (registration), salary, and Finanzamt (tax office) refunds.
Austria has a strong tradition of cash usage, but electronic payments via IBAN-based transfers are now dominant for regular payments. The Austrian payment system processes over 3 billion transactions annually. Direct debits (Einzugsermächtigung) for utilities, insurance, and subscriptions require your IBAN and a signed mandate.
Finding your IBAN: check your Kontoauszug, your bank's online portal (e.g., George for Erste Bank, Mein ELBA for Raiffeisen), or your Bankomatkarte — some Austrian debit cards print the IBAN on the front.