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
Payments and Securities Department
Secretariatdm@nbb.be
Telephone: +32 (0)2 2212712

Cyprus

Central Bank of Cyprus

National register: English Greek

Contact: Financial Market Infrastructures and Payments Department
PaymentSystems@centralbank.cy
Telephone: +357 22714114

Estonia

Finantsinspektsioon – the Estonian Financial Supervision and Resolution Authority

National register: Identifiers for credit institutions (EN, ET )

Identifiers for payment and e-money institutions (EN, ET )

Contact: Finantsinspektsioon
Sakala 4
15030 Tallinn
Estonia
info@fi.ee
www.fi.ee
Telephone: +372 668 0500
Fax: +372 668 0501

Finland

The Federation of Finnish Financial Servives

National register: English excel

Contact: Inkeri Tolvanen
inkeri.tolvanen@fkl.fi
Telephone: +358 20 793 4254

France

ACPR (Banking Supervisor)

National register: English

Contact: Banque de France – SGAM – D2R2
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.PrudentialReport@bankofgreece.gr
Telephone: +30 210 320 5121 / +30 210 320 5087 / +30 210 320 5033

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.

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: Raymond Kroese
r.kroese@betaalvereniging.nl
Telephone: +31203051956

Portugal

Banco de Portugal

National register: English Portuguese

Contact: Elsa Ferreira / Patrícia Casaca / Manuel Francisco / Teresa Lopes (Banking Prudential Supervision Department - Banco de Portugal)
esferreira@bportugal.pt
apcasaca@bportugal.pt
mmfrancisco@bportugal.pt
mtlopes@bportugal.pt
Telephone: (+351) 211596797 / 211596780 / 213130506 / 213128218

Slovakia

National Bank of Slovakia

National register: English

Contact: Rudolf Pataki
Rudolf.Pataki@nbs.sk
Telephone: +421 2 5787 2948

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 2 9145 1345

Croatia

Croatian National Bank

National register: English Croatian

Contact: Payment Systems Operations Department
Mirela Benko, Deputy Director of Payment Systems Operations Department
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 Republic

Česká národní banka / Czech National Bank

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

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

Denmark

Finance Denmark

National register for Denmark, Faroe Island and Greenland

Contact:

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

SWIFT in its role of ISO registration authority issues BICs to financial and non-financial institutions in the UK.

The SEPA IBAN-Only (SEPAIO) Directory is owned by Pay.UK and provides Payment Service Providers (PSPs) with a utility for deriving the BIC from the IBAN for SEPA payments in the UK.

Contact: SEPAIO_Ops@wearepay.uk

More information

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 Belgium

National forum: The Steering Committee on the Future of Means of Payment
National Bank of Belgium (NBB)

National migration report:
en . fr . nl (June 2013)
press release (20/01/2014): fr . nl

More information
Banking federation
National Bank of Belgium on SEPA
Fact sheets on SEPA migration in Belgium last update: 24 July 2014

Cyprus

National forum: National Payments Committee
Contact: FMI-Policy-Oversight@centralbank.cy

More information
Fact sheets on SEPA migration in Cyprus last update: 24 July 2014
SEPA website

Estonia

National forum: Estonian Retail Payments Forum – chaired by Eesti Pank (national counterpart to the ERPB) EN, ET

More information
SEPA webpage of Eesti Pank
Estonian Banking Association
Estonian IBAN
XML B2C & C2B communication messages

Finland

National forum: Finnish Payments Council

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

More information
The Federation of Finnish Financial Services
Fact sheets on SEPA migration in Finland last update: 26 September 2014

France

National forum: National Cashless Payments Committee
Contact: www.comite-paiements.fr

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

More information
Banque de France, SEPA
Fact sheets on SEPA migration in France last update: 24 July 2014

Germany

National forum: Forum Zahlungsverkehr
Contact: forum-zv@bundesbank.de

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

Greece

SEPA implementation and migration plan: en (May 2013)

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

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 implementation

More information
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

Italy

National forum: Italian Payments Committee
Contact: Banca d´Italia

More information
Associazione bancaria italiana
http://www.sepaitalia.eu
https://www.sia.eu/
https://www.nexi.it/
https://www.aiti.it/
Fact sheets on SEPA migration in Italy last update: 24 July 2014

Latvia

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

More information
Fact sheets on SEPA migration in Latvia last update: 24 July 2014

Lithuania

National forum: Payments Council
Contact: Bank of Lithuania

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: De Nederlandsche Bank (DNB)

National migration plan/report: en, nl (February 2012)


More information
De Nederlandsche Bank on SEPA: en, nl
Dutch Payment Association
Fact sheets on SEPA migration in the Netherlands last update: 24 July 2014

Portugal

National forum: Payment Systems Forum

More information
Banco de Portugal
Newsletter SEPA
Fact sheets on SEPA migration in Portugal last update: 24 July 2014

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 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
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 Denmark

Contact: Danish Bankers Association

More information
Fact sheets on SEPA migration in Denmark last update: 24 July 2014

Hungary

National forum: Hungarian Banking Association
Contact: Hungarian Banking Association EN, HU

More information
Fact sheets on SEPA migration in Hungary last update: 24 July 2014

Poland

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

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 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

More information
Fact sheets on SEPA migration in Sweden last update: 24 July 2014

United Kingdom

UK Finance is the collective voice for the banking and finance industry, providing guidance on European and UK regulation and payments directives.

UK Finance is the UK’s National Adherence Support Organisation (NASO), helping UK-based PSPs with their applications to adhere to the EPC’s SEPA Payment Schemes. Any institution that meets the appropriate criteria outlined in the SEPA Scheme rulebooks can apply to become a SEPA Scheme participant.

Contact: NASO@ukfinance.org.uk

More information

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: