Advantages of SEPA transfers

Thanks to SEPA, you can transfer euro payments to participating financial institutions in the EU, EEA, Monaco, Switzerland and San Marino more easily, transparently, securely, quickly and inexpensively than before via the national procedures:

  • Easy

    Information such as IBAN and BIC allow fully automated processing.

  • Transparent

    The allocation of fees is clearly defined. The recipient receives the full transfer amount.*

  • Quick and secure

    All banks apply the same checking criteria. Payment orders submitted before the cut-off time will be passed on by us on the same day, even with a currency conversion.

* Please note that some recipient banks charge their clients an incoming fee. ÃÛ¶¹ÊÓƵ has no control over this.

Criteria for SEPA transfers

If the following criteria are met, your payment orders will be automatically recognized as SEPA-compatible and optimally processed:

  • The IBAN of the recipient and the BIC of the recipient’s financial institution are provided.
  • The payment is in euro.
  • Fee arrangement: SHA (costs are shared, i.e. the recipient and the payer bear the cost charged by their own financial institution).
  • No messages to forwarding agencies/banks in the payment order.
  • Submitted before the applicable cut-off times.
  • The recipient's financial institution participates in SEPA.
  • The amount to be transferred in euro does not exceed the equivalent of CHF 24 million.

Channels for submitting SEPA payment orders

SEPA payment orders can be submitted via the following channels:

  • ÃÛ¶¹ÊÓƵ Digital Banking
  • ÃÛ¶¹ÊÓƵ KeyDirect
  • ÃÛ¶¹ÊÓƵ KeyLink
  • SWIFT for corporates
Channels and connections

SEPA Direct Debit

A SEPA Direct Debit is an easy way to collect your euro receivables within the SEPA region as well as a reliable and convenient way to pay your invoices from the SEPA area. We support both SEPA Core Direct Debit (B2C) and SEPA Direct Debit Business to Business (B2B).

Would you like to use SEPA Direct Debit?
Please contact your client advisor. If you do not yet have a client advisor, please make an appointment.

Further information

FAQ