SEPA countries

Before the introduction of the euro, each country developed its own models and practices for cashless payments. This has led to a diversity of cross-border payment procedures. Therefore, the necessary steps to migrate and adapt to SEPA can differ from country to country.

Issuing authorities for bank identifiers

The International Bank Account Number (IBAN) is the standard governing European bank account numbers and one of the cornerstones of SEPA. The IBAN is created according to international standards. Following these standards, the creation of IBANs is coordinated and regulated at national level.

IBAN registry

Detailed information about all ISO 13616-compliant national IBAN formats

National authorities in SEPA countries that issue bank identifiers used in IBANs

Euro area countries
Austria

Oesterreichische Nationalbank

National register: English German

Contact: Lukas Simhandl SIDAT-Stammdaten@oenb.at
Telephone: +43 1 40420/4719

Belgium

Secretariaat van de Interbancaire Overeenkomsten/Secrétariat des Accords Interbancaires (managed by the national central bank)

National register: English French Dutch

Contact: National Bank of Belgium
Cashless Payments Division François De Neef
cashlesspayments@nbb.be
Telephone: +32 (0)2 2212712

Cyprus

Central Bank of Cyprus

National register: English Greek

Contact: Payment Systems and Accounting Services Department
paymentsystems@centralbank.gov.cy
Telephone: +357 22714354

Estonia

Estonian Banking Association

National register: English Estonian

Contact: Eesti Pangaliit
pangaliit@pangaliit.ee
Telephone: +3726116567

Finland

The Federation of Finnish Financial Servives

National register: English excel

Contact: Inkeri Tolvanen / Pirjo Ilola
inkeri.tolvanen@fkl.fi pirjo.ilola@fkl.fi
Telephone: +358 20 793 4254 / +358 20 793 4255

France

ACPR (Banking Supervisor)

National register: English

Contact: Banque de France - Pôle PRERI
fib@banque-France.fr
Telephone: +33 1 42 92 35 82

Germany

Deutsche Bundesbank

National register: English German

Contact: Roman Wolz, Monika Merkel
crm.paymentservices@bundesbank.de
Online contact form
Telephone: +49 69 9566 8877

Greece

Bank of Greece

National register: English

Contact: Department for the Supervision of Credit & Financial Institutions / Statistical Analysis Section
sec.StatAnalysis@bankofgreece.gr
Telephone: +30 210 320 5031 / +30 210 320 5152

Ireland

Banking & Payments Federation Ireland

National register: English

Contact: info@bpfi.ie
Telephone: + 353 1 671 5311

Italy

Banca d'Italia

National register: Italian

Contact: Fausto Fettucciari
fausto.fettucciari@bancaditalia.it
Telephone: (+3906) 4792-5927

Latvia

See  IBAN registry

There is no need for a national issuing authority for bank identifiers in Latvia. BIC codes issued by SWIFT are used as bank identifiers. Additional information on how to identify the SWIFT BIC from IBAN in Latvia is available on the web page of Latvijas Banka (National Terms of IBAN usage were adopted on 12 December 2013 by the Financial and Capital market commission).

Lithuania

Lietuvos Bankas (Bank of Lithuania)

National register: English Lithuanian

Contact: Virginija Bružienė
tarpbank@lb.lt
Telephone: +37052680823

Luxembourg

The Luxembourg Bankers' Association

National register: English

Contact: mail@abbl.lu
Telephone: (+352) 46 36 601

Malta

Central Bank of Malta

National register: English

Contact: Regulation and Oversight Office
oversight@centralbankmalta.org
Telephone: +356 2550 3603

The Netherlands

In the Netherlands there is no institution acting in the capacity of issuing authority for BICs/bank identifiers. As the bank identifier in the IBAN is derived from the BIC, the Dutch Payments Association publishes a list of all Dutch BICs and bank identifiers.

National register: English

Contact: Jeroen Jacobs / Rahul Timar
j.jacobs@betaalvereniging.nl
Telephone: +31203051951

Portugal

Banco de Portugal

National register: English Portuguese

Contact: Sofia Magalhães / Manuel Francisco / Teresa Lopes (Prudential Supervision Department - Banco de Portugal)
smmagalhaes@bportugal.pt
mmfrancisco@bportugal.pt
mtlopes@bportugal.pt
Telephone: (+351) 213130885 / 213130506 / 213128218

Slovakia

National Bank of Slovakia

National register: English

Contact: Alena Štiptová
Alena.Stiptova@nbs.sk
Telephone: +421 2 5787 2357

Slovenia

National Bank of Slovenia

National register: English Slovenian

Contact: Matej Koletnik
matej.koletnik@bsi.si Online contact form
Telephone: +38614719573

Spain

Banco de España

National register: English Spanish

Contact: registros.oficiales@bde.es
Telephone: +34 91 338 5149

EU Member States with currencies other than the euro
Bulgaria

Bulgarian National Bank

National register: English/Bulgarian

Contact: Violeta Aleksandrova
Aleksandrova.V@bnbank.org
Telephone: +359 9145 1345

Croatia

Croatian National Bank

National register: English Croatian

Contact: Payment Systems Operations Department
Mirela Benko, Head of Payment systems Operations Division
Payment Operations Regulation and Development Department
Iva Kopecki, Senior Advisor
mirela.benko@hnb.hr
iva.kopecki@hnb.hr
Telephone: +385 1 45 65 057 / +385 1 45 64 796

Czech Republik

Česká národní banka / Czech National Bank

National register
Regulation: English, Czech
Register: English, Czech

Contact: Ivan Fencl. See IBAN registry
iban.info@cnb.cz
Telephone: +420 2 2441 3580

Denmark

The Danish Bankers Association

National register: -

Contact: The Danish Bankers Association
mail@finansraadet.dk
Telephone: +45 3370 1000

Hungary

Magyar Nemzeti Bank (The Central Bank of Hungary)

National register: English Hungarian

Contact: Directorate Banking Operations
bmfviber@mnb.hu
Telephone: +36 1 428-2682 / +36 1 428-2747

Poland

Narodowy Bank Polski

National register: English Polish

Contact: Pawel Lysakowski
pawel.lysakowski@nbp.pl
Telephone: +48221851448

Romania

See  IBAN registry

There is no need for a national issuing authority for bank identifiers in Romania. BIC codes issued by SWIFT are used as bank identifiers. The National Bank of Romania issued Regulation no. 2/2004 on IBAN usage.

Sweden

Swedish Bankers' Association

National register: English

Contact: Lars Rutberg
lars.rutberg@swedishbankers.se
Telephone: +4684534400

United Kingdom

In the United Kingdom there is no institution acting in the capacity of issuing authority for BICs/bank identifiers. Payments UK runs a SEPA IBAN only directory.

Contact: Lauren Jones
Lauren.Jones@paymentsuk.org.uk
Telephone: +44 (0)20 3217 8206

Non-EU countries
Norway

Finance Norway

National register: English

Contact: Tor Johan Bjerkedal
tor.bjerkedal@fno.no
Online contact form
Telephone: +47 23284352

Switzerland

SIX Interbank Clearing (in accordance with the Swiss National Bank)

National register: English German

Contact: SIX Interbank Clearing AG, Hardturmstr. 201, CH-8021 Zürich
pm@six-group.com
Telephone: +41583994747

Fact sheets, migration plans, reports and links

National fora have been established to deal with the special features of each country. Individual national migration plans have been drafted which outline the measures that need to be taken to implement SEPA.

Euro area countries
Austria

National forum: Austrian Payments Council
APC

National migration plan/report:
SEPA migration timeline (July 2013)

More information
Österreichische Nationalbank
Austrian SEPA Platform
SEPA report Austria, EU Forum of national SEPA Coordination Committees (November 2013)
Fact sheets on SEPA migration in Austria last update: 24 July 2014
SEPA website

Belgium Cyprus

National forum: SEPA Steering Committee
Central Bank of Cyprus: SEPA

More information
Update on SEPA migration, EU Forum of national SEPA Coordination Committees (June 2014)
Fact sheets on SEPA migration in Cyprus last update: 24 July 2014
SEPA website

Estonia

National forum: Estonian Payments Forum
Estonian Payments Forum, Forum participants

More information
SEPA Action Plan: en, et (September/October 2013)
Estonian Banking Association
Bank of Estonia (EN)
Ministry of Finance
Estonian IBAN
Current State of SEPA Migration in Estonia, EU Forum of national SEPA Coordination Committees (November 2013)
Fact sheets on SEPA migration in Estonia last update: 01 April 2015
SEPA website

Finland

National forum: The Core Group of the SEPA Stakeholder Forum in Finland
Contact: Federation of Finnish Financial Services: en, fi

National migration plan/report: en, fi (April 2012)
Financial market report en

More information
Bank of Finland
The Federation of Finnish Financial Services
SEPA documents (including information on IBAN and BIC)
Fact sheets on SEPA migration in Finland last update: 26 September 2014
SEPA website

France

National forum: French national SEPA Committee
Contact: SEPA France

National migration plan/report: en, fr (July 2012)

More information
Banque de France, SEPA
French Banking Federation / Fédération Bancaire Française
Fact sheets on SEPA migration in France last update: 24 July 2014
SEPA website

Germany

National forum: “SEPA-Rat”
Contact: sepa-rat@bundesbank.de, www.sepadeutschland.de

National migration plan/report: de (July 2014), en (September 2013)

More information
Deutsche Bundesbank, SEPA
Fact sheets on SEPA migration in Germany last update: 24 July 2014

Greece

National forum: SEPA forum
Contact: www.sepa.gr

SEPA implementation and migration plan: en (May 2013)

More information
Hellenic Bank Association
Bank of Greece: SEPA
Bank of Greece: SEPA Operational framework
Fact sheets on SEPA migration in Greece last update: 24 July 2014
SEPA website

Ireland

National forum: Banking & Payments Federation Ireland (BPFI) – acting as national SEPA organisation for the banking and payments industry
Contact: Banking & Payments Federation Ireland (BPFI)

National migration plan/report: en

More information
www.readyforsepa.ie
Central Bank of Ireland: SEPA
www.BPFI.ie: SEPA
Banking & Payments Federation Ireland (BPFI) BIC derivation for Ireland
Fact sheets on SEPA migration in Ireland last update: 24 July 2014
SEPA website

Italy

National forum: National Migration Committee
Contact: Banca d´Italia, SEPA and Italian Bankers’ Association (ABI)

National migration plan/report: en, it

More information
www.siassb.eu
www.aiti.it
www.icbpi.it
The Italian migration process to SEPA – update, EU Forum of national SEPA Coordination Committees (June 2013)
Fact sheets on SEPA migration in Italy last update: 24 July 2014

Latvia

National forum: National SEPA working group
Contact: SEPA Latvia

National migration plan/report: en, lv (October 2013)

More information
Association of Latvian Commercial Banks
Bank of Latvia
Fact sheets on SEPA migration in Latvia last update: 24 July 2014
SEPA website

Lithuania

National forum: SEPA Coordination Committee
Contact: Bank of Lithuania, SEPA

More information
Fact sheets on SEPA migration in Lithuania last update: 01 October 2014
SEPA website

Luxembourg

National forum: Luxembourg Bankers’ Association (ABBL) / commission moyens de paiement
Contact: ABBL

SEPA Implementation and Migration Plan: en

More information
ABBL
Central bank of Luxembourg
Fact sheets on SEPA migration in Luxembourg last update: 24 July 2014
SEPA website

Malta

National forum: Malta Bankers' Association (MBA) - acting as national SEPA organisation for the banking and payments industry
Contact: Malta Bankers Association

National migration plan/report: en (April 2014)

More information
Central Bank of Malta, SEPA
Fact sheets on SEPA migration in Malta last update: 16 March 2015

The Netherlands

National forum: National Forum on SEPA migration
Contact: Over op IBAN en, nl,
De Nederlandsche Bank (DNB)

National migration plan/report: en, nl (February 2012)
SEPA migration monitor en, nl (spring 2013)

More information
De Nederlandsche Bank on SEPA: en, nl
Dutch Payment Association
General information on payment systems (nl)
IBAN BIC Service
Fact sheets on SEPA migration in the Netherlands last update: 24 July 2014
SEPA website

Portugal

National forum: Payment Systems Forum

National migration plan: en, pt (November 2012)

More information
Update on SEPA migration in Portugal, EU Forum of national SEPA Coordination Committees (November 2013)
The Banco de Portugal
SIBS
Fact sheets on SEPA migration in Portugal last update: 24 July 2014
SEPA website

Slovakia

National forum: Slovak Committee for SEPA

National migration plan/report: en (November 2012), sk (November 2012)

More information
National Bank of Slovakia
Slovak Banking Association
Fact sheets on SEPA migration in Slovakia last update: 24 July 2014
SEPA website

Slovenia

National forum: National SEPA Forum
Contact: Bank Association of Slovenia and www.sepa.si

National migration plan/report: en, sl (June 2012)

More information
SEPA Slovenija
Banka Slovenije
Regulation implementing EU Regulation No 260/2012 si
Fact sheets on SEPA migration in Slovenia last update: 24 July 2014
SEPA website

Spain
EU Member States with currencies other than the euro
Bulgaria

National forum: National Payment Systems Council (NPSC) - acting as national SEPA organisation for the banking and payments industry, Bulgarian National Bank
Contact: BNB)

More information
Association of Banks in Bulgaria
Ministry of Finance
SEPA migration in Bulgaria end of 2013 (June 2014)
Fact sheets on SEPA migration in Bulgaria last update: 24 July 2014

Croatia

National forum

National migration plan:

More information
Payment Systems Act
Act on the Implementation of EU Regulations Governing Payment Systems
Croatian National Bank: The payment system, including bank codes and BIC
Fact sheets on SEPA migration in Croatia last update: 24 July 2014
SEPA website

Czech Republic

National forum: Czech SEPA Coordination Committee

National migration plan: cz (October 2013)

More information
Czech SEPA Coordination Committee: presentation at the EU Forum of national SEPA Coordination Committees (November 2013)
Czech National Bank: Regulations applicable to payments
IBAN by Czech National Bank
Directory of payment system codes, register of SDD creditor identifiers in the Czech Republic by Czech National Bank
Fact sheets on SEPA migration in Czech Republic last update: 24 July 2014

Denmark

National forum: Danmarks Nationalbank
Danish Bankers Association

More information
Danish SEPA migration status, EU Forum of national SEPA Coordination Committees (June 2013)
Fact sheets on SEPA migration in Denmark last update: 24 July 2014
SEPA website

Hungary

National forum: Hungarian SEPA Association – acting as national SEPA organisation for the banking and payments industry
Contact: www.sepahungary.hu/, Hungarian Banking Association

National migration plan/report: en (April 2013)

More information
Press release on SEPA standards in Hungary
Fact sheets on SEPA migration in Hungary last update: 24 July 2014
SEPA website

Poland

National forum: SEPA Polska / SEPA Poland (SEPA PL) – acting as national SEPA organisation for the banking and payments industry
Contact: SEPA Polska

National migration plan/report: pl (October 2013)
Update on SEPA migration in Poland, EU Forum of national SEPA Coordination Committees (November 2013)

More information
Search engine of bank numbers by Narodowy Bank Polski
Fact sheets on SEPA migration in Poland last update: 24 July 2014
SEPA website

Romania

National forum: National SEPA Committee
Contact: Romanian Banking Association (ARB)

National migration plan/report: en, ro (October 2009)
SEPA migration update – Romania, EU Forum of national SEPA Coordination Committees (November 2013)

More information
Romanian Banking Association, SEPA
Banca Nationala a Romaniei, SEPA
Romanian Banking Association, Regulating domestic payments / SEPA National Forum
Fact sheets on SEPA migration in Romania last update: 24 July 2014
SEPA website

Sweden

National forum: Swedish SEPA Steering Group of the Swedish Bankers’ Association – acting as national SEPA organisation for the banking and payments industry
Contact: Swedish Banking Association

National migration plan/report: en, sv (May 2009)

More information
SEPA in Sweden, EU Forum of national SEPA Coordination Committees (November 2013)
Fact sheets on SEPA migration in Sweden last update: 24 July 2014

United Kingdom

National forum: No national SEPA forum, however Payments UK acts as the national SEPA organisation for the banking and payments industry. Payments UK also communicates and consults on a bilateral basis with interested UK stakeholders.
Contact: Payments UK

National migration plan/report: There is no formal national SEPA Migration Plan since the UK does not operate a national/domestic euro direct debit scheme and its euro credit transfer scheme closed on 29 October 2010.

More information
UK SEPA Update, EU Forum of national SEPA Coordination Committees (February 2016)
The Payments in Euro (Credit Transfers and Direct Debits) Regulations 2012
Current payment projects
International Bank Account Number (IBAN)
Payments UK: Useful links and featured documents
Fact sheets on SEPA migration in the United Kingdom last update: 24 July 2014
SEPA website
Financial Conduct Authority – information for firms
Financial Conduct Authority – information for users

Non-EU countries
Iceland

EEA Joint Committee: Decision No 86/2013 of 3 May 2013 amending Annex XII to the EEA Agreement – incorporating Regulation (EC) No 924/2009 and Regulation (EU) No 260/2012

Central Bank of Iceland

Liechtenstein

EEA Joint Committee: Decision No 86/2013 of 3 May 2013 amending Annex XII to the EEA Agreement – incorporating Regulation (EC) No 924/2009 and Regulation (EU) No 260/2012

Government of Liechtenstein: Report and proposal on enactment of EEA Joint Committee Decision No 86/2013 (in German)

Monaco Norway

"To increase the use of SEPA solutions, deadlines have been set for migration to SEPA schemes from national solutions. For EEA countries outside the euro area, the deadline has been set at 31 October 2016. This means that, as from that date, domestic and cross-border payments in EUR carried out by Norwegian banks must use SEPA schemes. Banks must ensure their systems can support the required SEPA message format."
Source: Annual Report on Payment Systems 2012 by Norges Bank

Ministry of Government administration, reform and church affairs: Digital agenda for Norway - SEPA

EEA Joint Committee: Decision No 86/2013 of 3 May 2013 amending Annex XII to the EEA Agreement – incorporating Regulation (EC) No 924/2009 and Regulation (EU) No 260/2012

Reports on Payment Systems by Norges Bank

San Marino

No additional information.

Switzerland

National forum: Swiss Payments Council (SPC)
Contact: http://www.sepa.ch/en/shared/contacts.html
Chair: SIX Interbank Clearing (National Adherence Support Organisation)

More information
www.sepa.ch
CPSS Red Book Switzerland 2011

Related links

Related links to Fact sheets on Regulation No 260/2012, European Commission: