SEPA Credit Transfer Scheme - Register of Participants

What is a Participant?

A Participant is an entity that satisfies the eligibility criteria set out in section 5.4 of the SEPA Credit Transfer Scheme Rulebook and adheres to the Scheme. A Participant that is established in a SEPA jurisdiction may have one or more branches within SEPA.

 A branch does not have a separate legal personality from that of the legal entity of which it is part, and therefore cannot adhere to the Scheme in its own right.   However, its participation in the Scheme is automatically covered by the adherence of the legal entity of which it is part.  

 A subsidiary of a Participant does have an independent legal personality, and it must adhere to the Scheme in its own right in order to become a Participant.  Its application will not be covered by that of its parent.

With the exception of  Third Country Branches, the Register of Participants is a list of  legal entities within SEPA that have adhered to the SEPA Credit Transfer Scheme. The Register therefore includes the names and details of such legal entities only.  It does not include the names and details of their SEPA branches. 

To download the Register of Participants, click here.

Important note on Reference BICs

The BICs that are listed in the Register of Participants are reference BICs only, and must not be relied upon to be valid routing BICs.  Any person using these BICs for routing rather than reference purposes does so at their own risk.

Routing Information

For routing purposes for SCT payments, Participants are responsible for providing the CSM(s) of their choice (including PE-ACH as appropriate), all the BICs assigned to the Participant and its branches, and agreeing with the CSM(s) which delivery channel is to be used for each BIC. Reliable and up-to-date information as to which routing BICs are reachable through SCT may be obtained from CSMs, from PE-ACH, and from third-party providers of routing directory services.

Note that the organisations listed on the 'Clearing and Settlement Mechanisms' page on this website have committed to process only those SCT payments containing routing BICs that have a correspondence with reference BICs contained in the EPC Register, and to reject all others.

Register Updates Publication Schedule

The operational start date has been aligned to the first Monday of the month in accordance with industry practice.

Deadline for receipt by EPC	Publication of revised Register	Operational start date
21 May	11 June	5 July
19 June	9 July	9 August
23 July	13 August	6 September
20 August	10 September	4 October
10 September	8 October	1 November
24 December	14 January 2011	7 February 2011
21 January 2011	11 February	7 March
18 February	11 March	4 April
18 March	8 April	9 May
22 April	13 May	6 June
20 May	10 June	4 July
17 June	8 July	8 August
22 July	12 August	5 September
19 August	9 September	3 October
23 September	14 October	7 November

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