SEPA Payments in EUR

• SEPA (Single Euro Payments Area) is a single area for submitting payments in EUR
• Payments must be submitted on a SEPA payment form
• Payment is credited to creditor’s account on the following business day after the due date
• SEPA payments may be submitted until 8:30 pm – with due date on the given day

Payments may be submitted:

• Online
• Import in batch in XML format
• As a standing order
• Through a paper form

SEPA payments must meet the following requirements:

• Payment in EUR
• Creditor’s account number entered in IBAN format
• Bank of a creditor has adopted SEPA rules

No need to enter the BIC/SWIFT code of the creditor’s bank for SEPA payments to the SEPA area. SEPA payments within the bank are newly available – with special low fees, similarly as SEPA payments to our Slovak branch. 

It is possible to enter additional data for SEPA payments:

• If your business partner’s bank is SEPA reachable, it is possible to use not only the E2E reference field to identify your SEPA payments, but newly also the Purpose field
• For detailed identification of the debtor, creditor, ultimate debtor and ultimate creditor, you can use identification of an individual or organisation

Urgent payments

If you wish to transfer additional payment details (e.g. E2E reference, payment purpose, debtor’s/ultimate debtor’s identification, creditor’s/ultimate creditor’s identification) or you need, for whatever reason, the SEPA payment to be credited to the creditor’s account in XML format (it may be required by your foreign business partner, for example), then submit the payment by 11:00 am, select the “Urgent payment” checkbox and fill in the code word “SEPA” in the field SCT category purpose – section Description.

If you do not need to enter additional payment details and you only care about the creditor’s account being credited today, simply select the “Urgent payment” checkbox and submit the payment by 2:00 pm.

General Business Terms And Conditions (PDF, 455 kB)

Notice on the Payment System (PDF, 875 kB)

Payment Settlement Cut-off times (PDF, 90 kB)

Information about IBAN and BIC  (PDF, 143 kB)

List of EU/EEA/SEPA countries (PDF, 25 kB)

Countries using an account in IBAN format (PDF, 45 kB)

SEPA payment order manual (Czech version only) (PDF, 468 kB)

Corporate News in payments (PDF, 2 MB)

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