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What is SEPA and when will I use it?

SEPA (the Single Euro Payments Area) enables you to make and receive card and electronic payments in Euros, across Europe, regardless of location. Payments made through SEPA are more cost effective than using SWIFT and usually complete within two working days.

SEPA covers transactions between all 27 EU Member States, as well as Iceland, Lichtenstein, Norway and Switzerland.

Making a SEPA payment

To make a SEPA payment please provide us with the:

  • Beneficiary's name and IBAN
  • SWIFT/BIC code
  • Name of the receiving bank.

You will also need to agree to the declaration below:

We may need to disclose limited information to third parties where reasonably necessary. This is for the purposes of the prevention and detection of crime, prosecution of offenders, for the purposes of national security or where required by law. This may mean that the information could be transferred to countries that do not provide the same level of data protection as the UK.

Please see our International Business Banking tariff to see how much it will cost you.

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