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SEPA – Making and receiving payments in Europe
Collection and payment system

Banco Sabadell offers you up-to-date information and advice on SEPA for migrating files to the SEPA single euros payments area.

What Spanish payment instruments are replaced by SEPA payment instruments?

EU regulation 260/2012 establishes the following dates as those on which national payment instruments must be replaced by SEPA payment instruments:

1 February 2014:
  • Bank transfers in files with the formats N34 and N34.1, are replaced by SEPA transfers in the format N34.14 TXT or XML ISO20022
  • Direct debit of bills, by a file in format N19, is replaced by SEPA CORE Direct Debits in N19.14 TXT or XML ISO20022 format or SEPA B2B in N19.44 TXT or XML ISO20022 format

1 February 2016, niche products:
  • Advance payment of trade credit by files in format N58, is replaced by SEPA CORE Direct Debits in N19.14 TXT or XML ISO20022 format or SEPA B2B in N19.44 TXT or XML ISO20022 format
  • Trade bills on paper or physical format and Trade discount in files N32 is replaced by SEPA CORE Direct Debits in N19.14 TXT or XML ISO20022 format or SEPA B2B in N19.44 TXT or XML ISO20022 format

From the 1st of February 2016, the XML ISO20022 format is the only valid format for issuing SEPA collection and payment files.
 

What must I do to migrate files to SEPA?

If generating the files with own applications...

1. You must adapt your current files, following the indications of the new SEPA file formats.

2. Validate and send files via Banco Sabadell online banking: BS Online.

XIf you create files using Banco Sabadell applications, you can:

  • Download the "File Management" application and create SEPA files in the business environment, allows you to connect this tool with your own IT environment. Download BS Online - Files Management
  • Migrate the Banco Sabadell BS Online Applications data from here to the new SEPA-compatible application, "BS Online – Files Management"
  • Migrate the Caixa Penedès CepNet data from here to the new SEPA-compatible application, “BS Online – Files Management"
 
For more information, you can read Advice for SEPA migrationor go to SEPA Direct debits.
 
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