Other means of contacting us.
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.
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.
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.
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.
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:
Identificación Cuenta
Domestic Transfers (SNCE)
CCC
SEPA Transfers
IBAN
Concepto
Domestic Transfers (SNCE)
72 caracteres
SEPA Transfers
140 caracteres
Cuadernos
Domestic Transfers (SNCE)
C34 y C34.1
SEPA Transfers
C34.14 / SCT XML (Estándar ISO 20022)
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.
Other means of contacting us.
Digital Banking
Access your Unicaja accounts and products from your computer. The perfect tool to manage your daily finances.
Mobile Banking
Instant access to your Unicaja accounts and products. Consult and start banking, wherever you are.