Accessing your accounts from this browser will now be faster.
Understood!
Remember that if you access from a browser which you don’t usually use to connect we will reinforce the security measures in order to confirm your identity.
Portal change notification
null
remember that to sign operations you must use your SabadellCAM code card
Portal change notification
You are going to access BS Online at Banco Sabadell,
remember that to sign operations you must use your Banco Sabadell code card
Portal change notification
null
You must connect using the SabadellCAM access code and remember that to sign operations you must use your SabadellCAM code card.
Portal change notification
You are going to access BS Online at Banco Sabadell,
You must connect using the Banco Sabadell access code and remember that to sign operations you must use your Banco Sabadell code card.
The SEPA payment instruments, the basic direct debit (CORE) and Business to Business (B2B) systems, offer companies
and
individuals a common collection and payment system for all states that have joined the Single Euro Payments Area
(SEPA)
so they can be managed with the same ease, security and cost, both within our borders and in the European market.
The
business version also allows for a significant reduction in the time required for repayments. Regulation (EU)
260/2012
established that national systems were to be replaced by the European SEPA payment instruments.
SEPA direct debits can be processed in member state plus Iceland, Liechtenstein, Norway, Switzerland, Monaco and San
Marino.
Direct debit allows for automated electronic handling of sales collection via a debit or charge to the payer’s account.
Requisites for issuing direct debits under the basic system (CORE):
The operations must be in euros
The issuer and debtor must be legal persons and/or private individuals.
All entities operating with debits must accept the basic system.
Formalisation of a direct debit mandate/order between the issuer and debtor prior to the debit. Validity of the direct debit orders signed prior to the migration.
It is compulsory to conserve the mandates and all their modifications or cancellations while they can be required to justify the existence of authorisation for a collection.
An ISO 20022 SEPA XML 19-14 CORE file format is required, with additional data on the type of debit (first, recurrent, single or last) and the mandate (date of signature).
The IBAN code becomes the standardised code of the debtor account.
Debits will be submitted 3 business days in advance.
Return periods:
5 days for any reason.
Up to 8 weeks for a debtor customer order.
More than 8 weeks and up to 13 months for non-authorised payments (on the customer’s order). There exists the option of rejecting a return during the period by submitting a copy of the mandate in effect.
This is a type of SEPA direct debit, specifically designed for monetary transactions between legal persons (companies or the self-employed), which establishes a uniform payments system in the 34 states which allow collection and payment management with the same ease, safety and cost both within our borders and in the European market.
With the corporate or B2B type, the period for the return of non-payments is reduced to just three days, which improves the business risk and non-payment management while reducing the risk of delinquency.
The B2B system is optional. In the case of transactions with an entity which does not form part of the system, the compulsory SEPA CORE system will be used. You can see the updated details of countries and entities (both national and the other countries of the European Economic Area) which belong to the B2B system in the following link: European Payments Council (EPC).
Requisites for issuing corporate system direct debits (B2B):
The operations must be in euros
The issuer and debtor must be legal persons and/or non-consumer self-employed workers.
Prior formalisation of a new direct debit mandate/order between the issuer and debtor specifying the acceptance of a B2B-mode operation and the latter’s waiver of the right to reimbursement once the debit has been performed. No reimbursement is possible.
The issuer’s obligation to preserve the mandates and all their modifications and cancellations for as long as they may be required to justify the existence of authorisation for a collection.
An ISO 20022 SEPA XML 19-44 B2B file format is required, with additional data on the type of debit (first, recurrent, single or last) and the mandate (date of signature).
Use the IBAN code as a standardised identifier for the debtor’s account instead of the CAC (customer account code).
Submission of the debits three business days in advance.
The entities will request authorisation from the drawee prior to the debit.
To assist in the transition towards these new payment instruments, Banco Sabadell has created several online applications and utilities:
Manage the new direct debit orders (essential requisite for operating with this arrangement) via the service for obtaining these mandates offered by the company Logalty .
Operations between companies and/or the self-employed
Type of system
UNIVERSAL, all entities operating with debits will accept this system.
OPTIONAL, not all entities have this arrangement
Scope
Any account in the European Union, plus Iceland, Liechtenstein, Norway, Switzerland, Monaco and San Marino.
Any account in the European Union, plus Iceland, Liechtenstein, Norway, Switzerland, Monaco and San Marino.
File format
Book 19.14 ISO 20022 (XML) format
Book 19.44 ISO 20022 (XML) format
Submission period:
3 business days
3 business days
Return periods
Up to 5 days for any reason
Up to 8 weeks on customer's order.
13 months for non-authorised payments (on the customer’s order). There exists the option of rejecting a return during the period by submitting a copy of the mandate in effect.
Up to 3 business days
Direct debit orders/Mandate
There must first be a debtor order to direct debit the payments.
Validity of the current orders
Obligation to issue new direct debit orders in which the debtor waives the right to returns
