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.

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.

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.

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

Identificación Cuenta

Domestic Transfers (SNCE)


SEPA Transfers



Domestic Transfers (SNCE)

72 caracteres

SEPA Transfers

140 caracteres


Domestic Transfers (SNCE)

C34 y C34.1

SEPA Transfers

C34.14 / SCT XML (Estándar ISO 20022)

Contracting process

You can contract the SEPA Credit Transfer Service, at any of Unicaja Banco'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.

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