Our country specific expertise

BNP Paribas, your global and local SEPA Partner.


Whatever your development strategy, whatever the size and nature of your business, BNP Paribas is in a key position to be your global and local SEPA partner. To benefit from our local expertise, just download our practical SEPA country guides. Our country guides give expert recommendations on how to migrate your payment activities locally and provide an overview of the impacts of SEPA on your organization.



New waivers/niche products in Ireland, Portugal and the Netherlands


In order to smoothen as much as possible the SEPA migration, three countries have very recently announced new waivers or have declared some payment types as niche product.


Read more

SEPA Local practices and implementation guidelines


SEPA aims to harmonise formats and processes for euro payments. However, member states still retain the ability to adapt the SEPA schemes to local market practices. This newsletter summarises the key features of country-specific rules.


Download the newsletter

SEPA end-date Regulation waivers


The SEPA Regulation permits EU Member States to request waivers for a limited period of time after the SEPA end-date (until 01/02/2016) and under some restrictive conditions.


Download the waivers’ details


Austria currently employs paper-based transactions called ATIB, that are declared as niche product and will therefore remain in use until 1 February 2016.

Download our Country Guide Austria (PDF)


In Belgium, The National Bank of Belgium (NBB) keeps a central database allowing all creditors to retrieve the IBAN of their debtors. The legacy direct debit format did not allow such feature.

Download our Country Guide Belgium (PDF)


When migrating a mandate in France, a specific NNE Origin tag should be used to specify the original creditor identifier if such reference is not already included as part of SEPA.

Download our Country Guide France (PDF)


In Germany, two legacy direct debit schemes still exist, but only one of them can be migrated without re-signing a mandate.

Download our Country Guide Germany (PDF)


Ireland is an easy country, where all means will be replaced by the SEPA ones, without specificity.

Download our Country Guide Ireland (PDF)


In Italy, the current domestic formats BONI and RID have been waived for the customer-to-bank section. They will, therefore, remain in use until 1st February 2016.

Download our Country Guide Italy (PDF)


In Luxembourg, the domestic credit transfer format contains all the mandatory in data the SCT format, including accounts in IBAN format.

Download our Country Guide Luxembourg (PDF)


In Portugal, when migrating wage settlements to SEPA, it is important to enter the new code word “SALA” in your SCT so that the beneficiary is not charged extra fees by his bank.

Download our Country Guide Portugal (PDF)


In Spain, the first collection after a mandate is migrated must have a “recurrent” sequence type, whilst in other countries the standard sequence is placed.

Download our Country Guide Spain (PDF)


Even if mainly using CHF, the Swiss market was also able to process Euro transaction within their domestic scheme. This will have to be replaced by SEPA transactions.

Download our Country Guide Switzerland (PDF)

The Netherlands

The Dutch payments association set in place free tools to convert BBAN to IBAN and BIC.

Download our Country Guide The Netherlands (PDF)

United Kingdom

Being GBP based only, UK means of payment are not impacted by SEPA. But SCT and SDD offer new facilities to the ones wishing to initiate Euro transactions.

Download our Country Guide United Kingdom (PDF)