Uniform European payment system
Within the SEPA (Single Euro Payment Area), all euro payments, i.e. sending money within the SEPA area, and all direct debits across Europe are carried out according to the uniform SEPA payment procedures.
Easy to use
Private customers can send money within the SEPA area at any time, online, at self-service kiosks and at a branch. To pay with a SEPA direct debit, all you need to do is to provide the payment recipient with a SEPA direct debit mandate.
Maximum flexibility – worldwide
Sending money to countries outside the SEPA zone is simple and can be done using a conventional international payment (SWIFT payment).
To do so, you will need to provide the following information:
- Surname, first name or company name and address of the payment recipient.
- Account number or International Bank Account Number (IBAN) of the payment recipient (provided by the payment recipient).
- International Bank Identifier Code (BIC) of the recipient's bank.
- Your own IBAN.
SEPA transfers
When sending money within the SEPA area, you will need to provide both your – the payer's – and the payment recipient's IBAN.
When sending money using a SEPA transfer, the money will be credited to the recipient's account within one bank day. Paper-based SEPA transfers take a day longer.
Payments of more than Euro 12,500 to or from another country have to be reported to the German Central Bank.
We, your Sparkasse, use cookies that are essential to providing access to our website. If you consent to the use of cookies, we will use additional, non-essential cookies in order to process information on your use of our website for analytical (e.g. to measure reach) and marketing purposes (e.g. to personalise content). As part of this, Google may also provide us with additional data. We also use cookies to assign visitors to specific target groups and provide these target groups to Google for advertising campaigns. For more detailed information about these cookies, please see our Privacy Statement. Cookie consent is optional and not required in order to use this website. To select the kind of additional cookies you are happy for us to use, please click on “Change settings”. You can also consent to the use of all additional cookies by clicking on “Agree”. You can withdraw your consent at any time or change your cookie settings by clicking on the “Change cookie settings” link at the bottom of each page. If you click on “Decline”, we will not use any additional cookies.