CECA is a member of


Single Euro Payments Area

The aim of having a Single Euro Payments Area (SEPA) - and the reason for the implementation of the system - is to allow cashless payments to be made in euros across the whole region, using a single bank account and a single set of payment instructions.

Practically speaking, it means there should be no difference between making payments within a country or doing so across borders. In a wider sense, it's about creating a single market for Payment Services, as has already been achieved for some goods and services.

The project is the fruit of a political aim linked to the development of the European Union. Credit institutions – banks, savings banks and credit cooperatives - are actively working towards implementing the project, coordinated by the European Payments Council (EPC).

The gradual implementation of the project involves all those who take part in the banking process - individuals, companies, and other organisations: any party that arranges or receives payments. And it's important to keep everyone informed and involved.

The content on this website is CECA and Savings banks' contribution to help ensure project is a success and that SEPA, the main goal, is made a reality. On the website you can find important information about SEPA, giving all those who have a stake in the project all the information they need.

  • XML Notebook: Orders in ISO 20022 format for issuing transfers and cheques in euros. Implementation Guide (November 2015)
  • XML Notebook: Orders in ISO 20022 format for issuing SEPA direct debits in euros - Basic Outline. Implementation Guide (November 2016)
  • XML Notebook: Orders in ISO 20022 format for issuing SEPA direct debits in euros - B2B Outline. Implementation Guide (November 2016)
  • Notebook no. 50: SEPA direct debit mandate or order form. Basic and BTB Outlines (April 2013)
  • Notebook no. 72: Information from companies to SEPA direct debit issuers (May 2014)

Relevant documents

?? Action plan for niche products and transitions in Regulation (EU) No 260/2012 - National Payments Committee - April 2015

Regulation (EU) No 248/2014 that amends Regulation (EU) No 260/2012 regarding migration to transfers and direct debits across the Union - the European Parliament and Council. March 2014

Addendum to the Action Plan for migration to SEPA direct debits and transfers in Spain, October 2013

Action Plan for migration to SEPA direct debits and transfers in Spain - BdE/AEB/CECA/UNACC, December 2012

Migration to SEPA direct debits in Spain - AEB/CECA/UNACC, October 2012

SEPA brochure - Bank of Spain, August 2012

Regulation (EU) No 260/2012 establishes technical and business requirements for transfers and direct debits in euros, and amends Regulation (EC) No 924/2009 - the European Parliament and Council, March 2012



Finalise SEPA: 2009-2012 project schedule - European Commission, September 2009

SEPA in Spain. First status report - Monitoring Committee, July 2009

SEPA direct debits launch in Spanish banks - June 2009

SEPA Action Plan for Spanish banks - Monitoring Committee, December 2008

Monitoring Committee, December 2007

Spanish plan for migration to SEPA - Monitoring Committee, May 2007

European Central Bank, December 2006

Translation of EPC document. November 2015


SEPA notebooks