SEPA Credit Transfers
Your operations in euros, without distance limits or borders*
Single Euro Payments Area
Carry out transactions with the same basic conditions inside and outside of national borders.
Single account for cross-border payments and collections
Centralise cash management in a single account valid throughout the SEPA area.
Optimize payment processes within the euro zone
Save time and money with a single community payment format.
Faster inter-bank payments
1 to 3 business days according to the TARGET calendar.
SEPA (Single Euro Payments Area)*
The single euro payment area allows you to make collections and payments in euros under the same basic conditions and with the same rights and obligations inside and outside national borders, regardless of where you are.
No amount limits
SEPA credit transfers are non-urgent, must be in euros, with no amount limit and with origin and destination in any country within the SEPA range. Any resulting costs are shared between the issuing bank and the receiving bank.
An efficient, simple and transparent service
SEPA credit transfers allow you to order transfers in euros within and outside the SEPA zone by sending files, as well as issuing payroll cheques and bank cheques in euros for domestic payments.
New file formats
To send SEPA transfers, you must use the new file formats Notebook CSB34.14** or STC XML (ISO 20022 Standard). You must also use the IBAN and BIC code to identify the beneficiary's account.
The transfers that are channelled through SEPA must have the following characteristics:
- Transactions in Euros.
- Non-urgent.
- No amount limit.
- With origin and destination in any of the countries in the SEPA zone.
- The usual completion time is 1 business day interbank (according to TARGET calendar), from the payer's account to the payee's account, although in some cases, it may take a maximum of three days.
- You must use the IBAN and BIC code as identifiers for the beneficiary's account.
- With shared expenses& nbsp;(SHARE) (the issuing bank may charge its customer for issuing the transfer and the receiving bank may also charge its customer for paying it).
- One of the following new file formats is required: Notebook 34.14 / SCT XML - ISO Standard 20022.
Comparison between domestic credit transfers (SNCE) and SEPA transfers
You can contract the SEPA Credit Transfer Service, at any of Unicaja's branches where we will be delighted to assist you.
If you prefer, you can also request the SEPA Credit Transfer Service by filling out an order form and indicating the branch where you'd like to process it. We will contact you shortly.
Remember that if you have any questions or queries, you can call our customer service team on: +34 952 07 62 24.
(*) The SEPA area is comprised of the 28 member states of the European Union, together with Iceland, Liechtenstein, Norway, San Marino, Switzerland and Monaco.
(**) Consult the Spanish Confederation of Savings Banks' Rulebook CSB34.14 standard on mandates contained in files for the issuance of wire transfers and cheques in euros here.
Can we help you?
You can also contact the Bank by calling at 952 60 67 67 or through the contact form.
The telephone service hours are Monday to Saturday from 8:00 a.m. to 10:00 p.m. (except national holidays).