From 15 November 2026, SEPA transfer and direct debit files must comply with the European regulation on address formats:

Unstructured addresses (where the full postal address is included in one or two free-text fields) will no longer be accepted. Only data provided in separate fields - street name, building number, city and country (structured or hybrid addresses) - will be allowed

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From 15 November 2026, SEPA transfer and direct debit files must comply with the European regulation on address formats:

Unstructured addresses (where the full postal address is included in one or two free-text fields) will no longer be accepted. Only data provided in separate fields - street name, building number, city and country (structured or hybrid addresses) - will be allowed

Providing the address will be mandatory when the beneficiary is located outside the European Economic Area (EEA).

We recommend reviewing your files to ensure that the addresses comply with the new format requirements.

For more information, please visit:
SEPA address format update - November 2026

You can now process Transfer and Payroll files in immediate payment mode, both through the remote banking service on the website and through direct H2H (host to host) channels.

How to generate your files?

• If you use your own programme: You only need to include the 'INST' instruction in the 'Local Instrument' label, as indicated in the AEB brochure 'Orders in ISO 2022 format for the issuance of credit transfers in euro'. You can consult this document in the section Collections and payments > File management on the Banco Sabadell Business website.
• If you use the Business Remote Banking service: Simply select the new Immediate Transfer type when generating the file.

When will payments be made?

Files processed from Monday to Sunday (including holidays), between 5:00 a.m. and 9:30 p.m., will be paid immediately, once the batch has been executed and processed. Outside these hours, they will be processed the following day.

Operational limits on multiple payments per file

The same limits are applied that you currently have enabled for sending payment files by transfer and which you can consult in the Banco Sabadell Business remote banking service, in the section Services > Administer Authorised > Manage limits.