SEPA (Single Euro Payments Area) is an area in which consumers and businesses can make and receive payments, both within and outside national borders, under the same basic conditions and with the same rights and obligations, regardless of where they are. Therefore, within the SEPA zone there are no borders for making and receiving payments in euros.

What is SEPA?

SEPA represents a step closer to European integration following the introduction of the euro and, in the same way as we can now make and receive payments with euro notes and coins, we can also send bank transfers and present bills with the same ease, security and efficiency between countries that offer the equivalent treatment.

The single payments area includes 36 countries: the 28 member states of the European Union, plus Iceland, Liechtenstein, Norway, Switzerland, Monaco, San Marino, the Vatican and Andorra

Crèdit Andorrà has adapted all its processes to the new SEPA regulations in order to guarantee their fulfilment and to offer its customers the support they need to adapt to the new regulations.

Accounts: The IBAN is key information

The IBAN (International Bank Account Number) is the European international bank account code that is essential for payments to be made correctly, quickly and securely.

It is a series of alphanumeric characters that identifies a specific account in a financial entity. In order to facilitate the transaction automation process, each account has a unique IBAN code that identifies the country, financial entity, office, account and, in some cases, the currency.

With the introduction of SEPA, the IBAN replaces the CCC and must always be communicated when making and receiving payments.

Bank transfers:

The SEPA bank transfer scheme facilitates the sending of payments in a simple, standardised way within its geographical scope.


There is no limit to the amount provided it is in euros.

Concept and references:

You can use up to 140 characters to fill in the concept and reference fields.

SEPA files:

Businesses and issuers of bank transfers in files, payrolls and batches will have to replace the ABA file format with the XML format when exchanging operations with their financial entity.

Get to know the SEPA file formats

There is currently a period of coexistence between the ABA formats and the new SEPA formats during which it will be possible to continue presenting files in either format.