SEPA Guides and External ressources

Country Guides

Are you interested in a better understanding of factors which might be relevant to SEPA in a particular country? BNP Paribas has produced a series of guides to give a country-by-country overview, with the key facts highlighted. The guides are available for the following countries:
• Austria
• Belgium
• France
• Germany
• Ireland
• Italy
• Luxembourg
• Portugal
• Spain
• Switzerland
• Netherlands
• United Kingdom

External resources

European Payments Council

In its role as SEPA regulator, the European Payments Council (EPC) publishes a number of documents, the most important of which are:

    • SEPA rulebooks, which outline the rules to be followed in the SCT, SDD Core and SDD B2B schemes.
    • Implementation guidelines, which align the rulebook requirements with the ISO20022 standards
    • Clarification papers, explaining key elements where the rulebooks may be subject to interpretation.
    • These documents can be found on the

EPC website


SMART (SEPA Migration Action Round Table)

The principal aim of the Round Table is to support banks and corporates in their practical implementation of SEPA. It is open to practitioners from European payment banks who have a special focus on payments and operations.

All SMART publications are available on the Euro Banking Association website.

Legal documentation

      The SEPA schemes take as their source regulations adopted by the European Parliament. The original texts and subsequent amendments are available on the

European Commission website


SEPA Advisory:
Frequently asked Questions

SEPA is a new and evolving product, giving rise to questions from those involved in its implementation. In response BNP Paribas has put together a list of those most commonly asked.

Our expert answer to your questions

In the event of the merger or acquisition of a company, should SEPA Direct Debit mandates be re-signed or do they remain valid?

SEPA rules indicate that a SEPA mandate remains active in cases of: “merge, acquisition, spin-off or organisational changes”.
If such a change leads to a change of the creditor name or creditor identifier, it will have to be notified by the creditor to the debtor, for instance with an invoice or a pre-notification.

The change will also have to be communicated with SDD remittances, by using the “amendment details” elements (see the next question to see how to use “amendment details”).


By following these two requisites, you ensure that the current mandates remain completely valid.