Single Euro Payments Area

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Single Euro Payments Area (SEPA)

The creation of the Single Euro Payments Area (SEPA) is an EU public authorities’ integration initiative in the area of electronic euro payments. The SEPA zone comprises 36 countries, including Switzerland and Liechtenstein.

SEPA credit transfers

The foundation for the processing of SEPA credit transfers is the "SEPA Credit Transfer Scheme Rulebook". It defines the rules, practices & standards.

SEPA direct debits

Two scheme rulebooks serve as basis for processing SEPA direct debits in the private & business customer sectors.
Creditor Identifier

The standardized European creditor identification number for the collection of SEPA direct debits.

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