Directory · Payments
Participants in the SEPA payment schemes
Check whether a counterparty can send or receive SEPA Credit Transfers, SEPA Instant payments or SEPA Direct Debits. The European Payments Council’s (EPC) registers of participants, as at 21 October 2026, list 2,686 institutions that hold a BIC, in 50 countries.
EPC registers as at 21 October 2026 · BIC data as at 24 October 2026
Participants by scheme
An institution can take part in several of the six schemes. Of the 1,900 institutions in SEPA Credit Transfer, 1,256 (66.1%) also take part in SEPA Instant Credit Transfer.
Institutions by scheme
Institutions that hold a BIC, on each EPC register of participants
View as table
| Scheme | Register as at | Institutions |
|---|---|---|
| SEPA Credit Transfer | 9 October 2026 | 1,900 |
| SEPA Instant Credit Transfer | 9 October 2026 | 1,256 |
| SEPA Direct Debit Core | 9 October 2026 | 1,186 |
| SEPA Direct Debit Business-to-Business | 9 October 2026 | 750 |
| One-Leg Out Instant Credit Transfer | 9 October 2026 | 42 |
| Verification of Payee | 21 October 2026 | 1,220 |
Verification of Payee (VOP) checks the payee’s name against the account before a credit transfer is sent.
Participants
The first 30 of 2,686 institutions: larger institutions first.
- Credit Agricole Italia S.P.A. BIC CRPPIT2P Credit institutionPrudential licence
- Unicredit Bank GMBH BIC HYVEDEMM Credit institutionPrudential licence
- Societe Generale BIC SOGEFRPP Credit institutionPrudential licence
- Commerzbank AG BIC COBADEFF Credit institutionPrudential licence
- Banca Monte Dei Paschi di Siena BIC PASCITMM Credit institutionPrudential licence
- Intesa Sanpaolo SPA BIC BCITITMM Credit institutionPrudential licence
- Banca Popolare Dell Alto Adige S.P.A. BIC BPAAIT2B Credit institutionPrudential licence
- Deutsche Bank AG BIC DEUTDEFF Credit institutionPrudential licence
- BNP Paribas BIC BNPAFRPP Credit institutionPrudential licence
- Clearbank Europe N.V. BIC CLRBNL2A Credit institutionPrudential licence
- Banca Nazionale del Lavoro SPA BIC BNLIITRR Credit institutionPrudential licence
- Iccrea Banca SPA - Istituto Centrale del Credito Cooperativo BIC ICRAITRR Credit institutionPrudential licence
- Cassa di Risparmio di Bolzano SPA Suedtiroler Sparkasse AG BIC CRBZIT2B Credit institutionPrudential licence
- Jpmorgan Chase Bank, N.A. - London Branch BIC CHASGB2L Credit institutionPrudential licence
- Raiffeisenlandesbank Oberoesterreich, Aktiengesellschaft BIC RZOOAT2L Credit institutionPrudential licence
- Caceis Bank BIC ISAEFRPP Credit institutionPrudential licence
- Banca Valsabbina S.C.P.A. BIC BCVAIT2V Credit institutionPrudential licence
- Landesbank Baden-Wuerttemberg BIC SOLADEST Credit institutionPrudential licence
- HSBC Bank PLC BIC MIDLGB22 Credit institutionPrudential licence
- Cassa Centrale Banca - Credito Cooperativo Italiano S.P.A. BIC CCRTIT2T Credit institutionPrudential licence
- Raiffeisen-Landesbank Tirol AG BIC RZTIAT22 Credit institutionPrudential licence
- Banca di Cividale Societa' Per Azioni Civibank S.P.A. BIC CIVIIT2C Credit institutionPrudential licence
- Caceis Bank, Italy Branch BIC ISAEITMM Credit institutionPrudential licence
- Erste Bank der Oesterreichischen Sparkassen AG BIC GIBAATWW Credit institutionPrudential licence
- Cassa di Risparmio di Orvieto SPA BIC BPBAITR1 Credit institutionPrudential licence
- Oberbank AG BIC OBKLAT2L Credit institutionPrudential licence
- Raiffeisen-Landesbank Steiermark AG BIC RZSTAT2G Credit institutionPrudential licence
- Raiffeisenlandesbank Niederosterreich-Wien AG BIC RLNWATWW Credit institutionPrudential licence
- Raiffeisen Landesbank Karnten Und Revisionsverband Egen BIC RZKTAT2K Credit institutionPrudential licence
- Credito Emiliano SPA BIC BACRIT22 Credit institutionPrudential licence
Participants by country
The participants are in 50 countries. Germany has the most, with 378 (14.1%).
Participants by country
Active institutions, the 15 countries with the most of 50 · select one for the list
View as table
| Country | Institutions |
|---|---|
| Germany | 378 |
| Ireland | 250 |
| Italy | 225 |
| France | 207 |
| Switzerland | 203 |
| Austria | 125 |
| United Kingdom | 109 |
| Norway | 106 |
| Spain | 106 |
| Lithuania | 92 |
| Netherlands | 89 |
| Luxembourg | 88 |
| Belgium | 71 |
| Portugal | 50 |
| Denmark | 47 |
| Malta | 44 |
| Hungary | 39 |
| Bulgaria | 36 |
| Cyprus | 34 |
| Romania | 32 |
| Poland | 31 |
| Greece | 29 |
| Slovakia | 25 |
| Sweden | 24 |
| Finland | 23 |
| Croatia | 21 |
| Latvia | 21 |
| Monaco | 20 |
| Czechia | 19 |
| Serbia | 19 |
| North Macedonia | 14 |
| Slovenia | 14 |
| Albania | 13 |
| Estonia | 12 |
| Liechtenstein | 12 |
| Montenegro | 12 |
| Iceland | 7 |
| Moldova | 7 |
| San Marino | 7 |
| Faroe Islands | 4 |
| Gibraltar | 4 |
| Réunion | 4 |
| Andorra | 3 |
| Martinique | 3 |
| Jersey | 2 |
| Guadeloupe | 1 |
| Guernsey | 1 |
| Mayotte | 1 |
| United States | 1 |
| Vatican City | 1 |
Each institution counts once, in one country: the BIC country when it holds a BIC, otherwise the country of the register that lists it. Licences in other countries are shown on its page.
About the SEPA schemes
The Single Euro Payments Area (SEPA) schemes are the rulebooks for euro credit transfers and direct debits across the participating countries. The European Payments Council (EPC) manages them and publishes a register of participants for each.
Under the Instant Payments Regulation (EU) 2024/886, payment service providers in the euro area that offer credit transfers in euro must also offer instant credit transfers and Verification of Payee.
Method and limits
The EPC registers list participants by BIC. They are matched to the institutions in the directory on the BIC.
A bank can reach a scheme through another participant without being on the register itself. Absence from a register is not evidence that an institution cannot send or receive SEPA payments.
Institutions marked inactive are not counted here: another 11 carry the same attribute.
Sources & method
Source: European Payments Council (EPC) Registers of Participants; matched to BICs by Elucidate.
Read the methodology →Sources for this page
- EPC Registers of Participants—European Payments Council · registers ↗ as at 21 October 2026. Source: European Payments Council (EPC) Registers of Participants; matched to BICs by Elucidate.
- Swift ISO 9362 BIC directory—institutions and branch codes, mapped to LEIs through the Swift and GLEIF BIC-to-LEI relationship file. As at 24 October 2026
Cite this page
Elucidate. “Participants in the SEPA payment schemes”. Directory of financial institutions, EPC registers as at 21 October 2026 · BIC data as at 24 October 2026. https://elucidate.co/directory/sepa
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