Creditor Identifier

On behalf of the Swiss and Liechtenstein financial centers, SIX Interbank Clearing is in charge of the issuing and administration of Creditor Identifiers. A SEPA direct debit can only be processed throughout Europe with a uniform and standardized identification number that unambiguously identifies the creditor.

If a creditor would like to collect a SEPA direct debit, then they must use their Creditor Identifier, which is routed to the debtor together in the SEPA direct debit mandate. The Creditor Identifier is independent of any account or process and can be used at all financial institutions within the SEPA zone.