Help articles about About SEPA.
The SEPA mandate is the debtor-signed authorisation that lets a creditor collect by direct debit. Learn its parts, retention periods and CORE vs. B2B differences.
The SEPA originator identifier is the code that identifies the sender. In Spain, VAT + suffix.
The SEPA Creditor Identifier (CID) is the unique code identifying you as a collecting party. Learn how to compute and use it.
The BIC is an 8 or 11-character code that identifies your bank in international operations. Learn its structure and how to retrieve it.
The SWIFT code (BIC) identifies every bank on the global network. Learn its structure and how to retrieve it from an IBAN.
SEPA is the European single area for euro payments. It covers 36 countries, standardises IBAN/BIC and supports instant 24/7 transfers.
A bank direct debit authorises a company to charge your account automatically via SEPA. Learn how it works and the refund timelines.
The SEPA zone covers 36 countries across eurozone EU, non-euro EU and non-EU members. See the full list and the per-group differences.
Learn the steps to calculate an IBAN: structure, MOD-97 algorithm, and how to avoid errors with our free tools.
