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.
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.
In order to ensure a coordinated, coherent and integrated migration to SEPA credit transfers and direct debits, Regulation No 260/2012 sets common deadlines for the implementation of all requirements. However, as the level of development of credit transfers and direct debits differs from one EU Member State to another, and as there are certain legacy payment services with very specific functionalities in some countries, the regulation allows Member States to apply a few specific transitional arrangements for a limited period of time beyond the common end dates.
In countries with currencies other than the euro, other deadlines and options for transitional arrangements can apply. Country-specific information relating to the transitional arrangements chosen by individual Member States is presented in two tables; one with information on euro area Member States and one with information on non-euro area Member States.
This overview of "national facts" will be updated and completed when new information becomes available.
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.
|Country||Issuing authorities for bank identifiers||National register||Contact names||Email / online form||Telephone|
|Belgium||Secretatiaat van de Interbancaire Overeenkomsten/Secrétariat des Accords Interbancaires (managed by the central bank)||English
|National Bank of Belgium
Cashless Payments Division
François De Neef
|email@example.com||+32 (0)2 2212712|
|Bulgaria||Bulgarian National Bank||English Bulgarian||Violeta Aleksandrova||Aleksandrova.V@bnbank.org||+359 9145 1345|
|Czech Republik||Česká národní banka / Czech National Bank||English, Czech||See IBAN registry|
|Denmark||The Danish Bankers Association||Carsten Pedersen, The Danish Bankers Associationfirstname.lastname@example.org||+4533701087|
|Mr. Roman Wolz, Ms Monika Merkelemail@example.com
Online contact form
|+49 69 9566 8877|
|Estonia||Estonian Banking Association||English
|Ireland||Irish Payment Services Organisation||Englishfirstname.lastname@example.org||+ 353 1 663 6740|
|Greece||Bank of Greece||English
|Department for the Supervision of Credit & Financial Institutions / Statistical Analysis Section||sec.StatAnalysis@bankofgreece.gr||+30 210 320 5031 / +30 210 320 5152|
|Spain||Banco de España||English
|email@example.com||+34 91 338 5149|
|France||ACPR (Banking Supervisor)||French||Banque de France - Pôle PRERI||fib@banque-France.fr||01 42 92 35 82|
|Croatia||Croatian National Bank||English
|Payment Systems Operations Department
Mirela Benko, Head of Payment systems Operations Division
Payment Operations Regulation and Development Department
Iva Kopecki, Senior Advisor
|+385 1 45 65 057
+385 1 45 64 796
|Italy||Banca d'Italia||Italian||Fausto Fettucciarifirstname.lastname@example.org||(+3906) 4792-5927|
|Cyprus||Central Bank of Cyprus||English
|Payment Systems and Accounting Services Departmentemail@example.com||+357 22714354|
|Latvia||See IBAN registry*|
|Lithuania||Lietuvos Bankas (Bank of Lithuania)||English
|Luxembourg||The Luxembourg Bankers' Association||English
|firstname.lastname@example.org||(+352) 46 36 601|
|Hungary||Magyar Nemzeti Bank (The Central Bank of Hungary)||English
|Directorate Banking Operationsemail@example.com||+36 1 428-2682
+36 1 428-2747
|Malta||Central Bank of Malta||English||Regulation and Oversight Officefirstname.lastname@example.org||+356 2550 3603|
|Netherlands||Dutch Payment Association**||Dutch||Mr. Jeroen Jacobs / Mr. Rahul Timaremail@example.com||+31203051951|
|Lukas Simhandlfirstname.lastname@example.org||+43 1 40420/4719|
|Poland||National Bank of Poland||English
|Portugal||Banco de Portugal||English
|Ms Sofia Magalhães
Mr Manuel Francisco
Ms Teresa Lopes (Prudential Supervision Department - Banco de Portugal)
|Romania||See IBAN registry***|
|Slovenia||National Bank of Slovenia||English
|Mr. Matej Koletnikemail@example.com
Online contact form
|Slovakia||National Bank of Slovakia||Slovakian||Alena Štiptová||Alena.Stiptova@nbs.sk||+421 2 5787 2357|
|Finland||The Federation of Finnish Financial Servives||Register (English)||Ms. Inkeri Tolvanen; Ms. Pirjo Ilolafirstname.lastname@example.org
|+358 20 793 4254
+358 20 793 4255
|Sweden||Swedish Bankers' Association||Swedish||Lars Rutbergemail@example.com||+4684534400|
|Norway||Finance Norway||Mr Rune Fjørtoft
Mr Tor Johan Bjerkedal
Online contact form
|Switzerland||SIX Interbank Clearing (in accordance with the Swiss National Bank)||English
|SIX Interbank Clearing AG, Hardturmstr. 201, CH-8021 Zürichfirstname.lastname@example.org||+41583994747|
* There is no need for a national issuing authority for bank identifiers in Latvia. BIC codes issued by SWIFT are used as bank identifiers. (National Terms of IBAN usage were adopted on 12 December 2013 by the Financial and Capital market commission).
** 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.
*** 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.