SEPA Directory

Some institutions are members of multiple Clearing and Settlement Mechanisms (CSMs). Some are only indirect members, receiving payments via intermediary institutions. And some can’t yet process all SEPA payment types.

So identifying the appropriate payment channel within SEPA can be a considerable challenge.

SEPA Directory provides the data needed to validate SEPA payment messages, as well as the information required for accurate and efficient routing.

• Identify bank codes and their SEPA IBAN suitability to enable SEPA IBAN validation
• Find SEPA-specific BIC codes to enable completion of the BIC from the IBAN
• Shows SEPA Credit Transfer and SEPA Direct Debit adherence to the SEPA schemes
• Details on how SEPA IBANs are structured in each SEPA country
• Identify SEPA clearing channels through which a beneficiary institution can be reached
• Identify intermediary institutions if the beneficiary institution is an indirect CSM participant
• Find SEPA routing information: Automated Clearing House and reachability

Cross-referenced BIC, FINplus Distinguished name (DN), domestic bank code, Legal Entity Identifier (LEI)

Organisation info (head office and branch) and type of financial entity

Entities names and postal addresses (including in ISO20022 format), and in local language

SEPA clearing and settlement mechanism (CSM) participant list

Bank’s reachability for SEPA payments through a CSM

Bank’s formal adherence to the SEPA schemes: SCT, SCT Inst, SDD B2B and SDD Core