EPC262-08

Version 5.0
21 November 2017

[X] Public – [] Internal Use – [ ] Confidential – [ ] Strictest Confidence

Distribution: N/A

CREDITOR IDENTIFIER OVERVIEW

Conseil Européen des Paiements AISBL– Cours Saint-Michel 30A – B 1040 Brussels
Tel: +32 2 733 35 33 Fax: +32 2 736 49 88
Enterprise N° 0873.268.927 www.epc-cep.eu [email protected]
 Table of Contents
Creditor Identifier Overview .................................................................................... 1
0 Document History ............................................................................................. 4
1 Objective.......................................................................................................... 5
2 Background ...................................................................................................... 5
3 CI structure ...................................................................................................... 5
4 Creditor Business Code in the CI........................................................................ 5
5 Rules to be considered in the request for a CI .................................................... 6
6 Use of the CI across SEPA ................................................................................. 6
7 Verification of CIs ............................................................................................. 6
8 Country overview of the Creditor Identifier structure .......................................... 8
8.1 Euro countries ............................................................................................ 8
8.1.1 Austria ................................................................................................. 8
8.1.2 Belgium ................................................................................................ 9
8.1.3 Cyprus................................................................................................ 10
8.1.4 Estonia ............................................................................................... 10
8.1.5 Finland ............................................................................................... 12
8.1.6 France ................................................................................................ 12
8.1.7 Germany ............................................................................................ 13
8.1.8 Greece ............................................................................................... 14
8.1.9 Ireland ............................................................................................... 14
8.1.10 Italy ................................................................................................ 15
8.1.11 Latvia .............................................................................................. 16
8.1.12 Lithuania ......................................................................................... 17
8.1.13 Luxembourg .................................................................................... 18
8.1.14 Malta ............................................................................................... 19
8.1.15 Monaco............................................................................................ 21
8.1.16 Netherlands ..................................................................................... 21
8.1.17 Portugal........................................................................................... 22
8.1.18 San Marino ...................................................................................... 23
8.1.19 Slovakia .......................................................................................... 24
8.1.20 Slovenia .......................................................................................... 25
8.1.21 Spain............................................................................................... 26
8.2 Non Euro countries ................................................................................... 28
8.2.1 Bulgaria .............................................................................................. 28
8.2.2 Croatia ............................................................................................... 28
8.2.3 Czech Republic.................................................................................... 29

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 8.2.4 Denmark ............................................................................................ 29
8.2.5 Hungary ............................................................................................. 30
8.2.6 Iceland ............................................................................................... 31
8.2.7 Liechtenstein ...................................................................................... 31
8.2.8 Norway............................................................................................... 31
8.2.9 Poland ................................................................................................ 33
8.2.10 Romania .......................................................................................... 34
8.2.11 Sweden ........................................................................................... 35
8.2.12 Switzerland...................................................................................... 35
8.2.13 United Kingdom ............................................................................... 37

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 0 Document History

Issue
Dated Reason for revision
number
V1.0 17/10/2008 Approved by the SPS WG. Subsequent updates to be included and
published as received by the EPC Secretariat.
V1.1 28/10/2008 NL Creditor Identifier information updated.
DE Creditor Identifier information updated.
V1.2 10/04/2009
SE Creditor Identifier information added.
HU Creditor Identifier information updated
V1.3 02/07/2009
ES Creditor Identifier information updated
Minor changes for clarification
Creditor Identifier information updated for the following countries:
V1.4 08/09/2009
• AT • GR • RO
• BG • IT • SL
• CH • LI • UK
• CY • NL
• DE • NO
Minor changes for clarification
V1.5 16/11/2009 BE Creditor Identifier information updated
V1.6 15/02/2010 NO Creditor Identifier information updated
CZ Creditor Identifier information updated
BG Creditor Identifier information updated
V1.7 01/03/2010 DK Creditor Identifier information updated
FR Creditor Identifier information updated
V1.8 07/04/2010 MT Creditor Identifier information included
V1.9 27/07/2010 LU Creditor Identifier information included
V2.0 12/10/2010 LT and SK Creditor Identifier included, update for ES and inclusion
of information on authenticity/validity check
V2.1 01/12/2011 Added Monaco, small amendments for the Netherlands and France
and added information on authenticity / validity check for various
communities
V2.2 13/02/2012 Completed Romania
V2.3 10/08/2012 Update for the Netherlands and a minor clarification added in the
introduction
V2.4 08/02/2013 Newly updated structure of the domestic creditor identifier in
Hungary
V2.5 05/03/2013 Austria: updated web pages under “Entity/contact point” and
“Authenticity/ validity check”
Bulgaria: updated content under “Entity/contact point” and
“Authenticity/ validity check”
V3.0 04/02/2014 Section 2: extra information about the Creditor Business Code
Section 3: subsection 3.1 and 3.2 added with extra information on
requesting a Creditor Identifier and its portability
Section 4:
• Introduction text added before section 4.1
• New country sections for Croatia and San Marino
• New section “National limitations to apply for a CI” added
for each country section
• All country sections updated where needed

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 Issue
Dated Reason for revision
number
V3.1 14/02/2014 Latvia put under euro country section
V3.2 11/06/2014 Updates for Malta
V3.3 01/09/2014 Updates for Poland
V4.0 03/06/2015 Updates following the recommendation ERPB/2014/rec12 from the
Euro Retail Payments Board (ERPB) meeting on 01/12/2014.
Section 1 to 7 have been reworded. All country subsections in
Section 8 have been reviewed.
V5.0 21/11/2017 Final review by the October 2017 Scheme Management Board
meeting

1 Objective

The objective of this document is to inform Creditors about the need for a Creditor
Identifier (CI) on SEPA Direct Debit (SDD) mandates and forthcoming collections and
about the institution(s) in each SEPA country that can issue such CI.
This document further informs SDD scheme participants on how they can check the
proper issuance and/or validity of CIs by providing information on the CI characteristics
per SEPA country.

2 Background

The CI has been created in the SDD schemes to allow Debtors as well as Debtor Banks
to identify a Creditor independently from its account relationship with any Creditor
Bank. Furthermore it allows the proper identification of a SDD mandate in combination
with a given unique mandate reference. The CI represents an unique identification of
Creditors, meaning that each CI refers to one Creditor only.

3 CI structure

Each community has its own specific procedures for providing a CI to Creditors. No new
SEPA procedure has been created and the SEPA SDD schemes allow the use of existing
national identifiers to build a SEPA wide CI by adding a country code and a check-digit.
Country specific structures are described in section 8.
The general structure for the CI is the following:
• Position 1-2 filled with the ISO country code
• Position 3-4 filled with the check digit according to ISO 7064 Mod 97-10
• Position 5-7 filled with the Creditor Business Code, if not used then filled with ZZZ
• Position 8 onwards filled with the country specific part of the identifier being a
national identifier of the Creditor as defined by the concerned national community
The combination of the CI with the unique mandate reference forms the unique SDD
mandate key.
The criteria based on which CIs are granted are entirely at the discretion of the
responsible bodies in the national communities.

4 Creditor Business Code in the CI

The attribute AT-02 ‘The Identifier of the Creditor’ described in the EPC SDD rulebooks
contains a Creditor Business Code.

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 The Creditor Business Code is not a formal part of the CI and only the Creditor assigns
a concrete Creditor Business Code in the CI. The Creditor will use this code only for its
own purposes. The Debtor Bank does not have to perform a check on the Creditor
Business Code. The calculation of the check digit in position 3-4 of the CI does not take
into account the Creditor Business Code.
The Creditor Business Code can change over time according to the needs of the Creditor
but the CI will remain unchanged in its role of unique identifier.
The CI is generated with ZZZ as default Creditor Business Code. The Creditor may
choose to use the Creditor Identifier with the default code or may replace it with any
three character codes according to the location of its service unit, business line or for
any other reasons.

5 Rules to be considered in the request for a CI

A Creditor Bank who initiates a relationship with a Creditor must provide or support the
receipt of a CI to a Creditor if the Creditor does not yet have such Identifier (see section
5.7 of the SDD Rulebooks: “In respect of each of its Creditors, a Creditor Bank shall…..in
the event that a prospective Creditor does not have a Unique Creditor Identifier, provide
or procure the provision of such a number.”).
In its support to provide the Creditor with a CI, the Creditor Bank could advise the
Creditor to request a CI from the central issuing entity of the SEPA country where one
exists (see section 8) in which the Creditor is registered.

6 Use of the CI across SEPA

Once the Creditor has obtained the CI from the CI issuing entity of the country in which
the Creditor is registered 1 , the Creditor can then use this single CI on any SDD mandate
and in any SDD collection initiated through any Creditor Bank and presented to any
Debtor Bank irrespective if the Debtor is registered in the same SEPA country as the
Creditor or not.
In case a Creditor with an existing CI would move his account relationship from a
Creditor Bank in one SEPA country to a Creditor Bank in another SEPA country, the
existing CI should be kept. If a new/ other CI is obtained, all existing SDD mandates of
that Creditor would have to be amended in the next SDD collection. In this case it is
important for the new Creditor Bank to have certainty that the CI has been properly
issued. The new Creditor Bank will need proof or must have a possibility to check that
the CI presented by the Creditor has been issued and/or is valid.

7 Verification of CIs

Three possibilities exist depending on the issuing entity:

• If the issuing authority issues a CI certificate for the Creditor Bank or for to the
Creditor, this certificate can be used as evidence of a properly issued CI. This
certificate will enable the Creditor to use the same CI with different Creditor Banks
in different SEPA countries.

1 In a few countries, the CI issuing entity also grant CIs for Creditors that are not registered in
that country

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 • If the issuing entity is an entity managing the CIs on behalf of the national
community of payment service providers, the Creditor Bank can contact this entity
and if the service is available, check the database of issued identifiers or simply
request the necessary information. Reception of this information will provide
evidence whether the CI is valid or not.
• If the national community of payment service providers has no central entity
managing the CIs on its behalf, the issuing entity will be the Creditor Bank itself.
Issuing the CI must be done under responsibility of the Creditor Bank according to
the applicable rules to guarantee that the issued CI contains all information needed.
The CI-issuing Creditor Bank can provide a certificate to the Creditor to give evidence
for this CI.
This certificate will enable the Creditor to use the same CI with different Creditor
Banks in different SEPA countries.

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 8 Country overview of the Creditor Identifier structure

The country overview of this document contains an overview of the national structure
of Creditor Identifiers. The list indicates for each country which entity is in charge of
managing these Identifiers on behalf of the community of payment service providers.
In some cases, it is a public key, e.g., a tax number where no specific managing entity
needs to be designated as it is already existing in the country.
Creditor Banks wishing to receive information about the validity of the CI should request
this information from the Creditor (e.g., the Creditor should provide the Creditor Bank
with a copy of the letter received from the issuing entity if available) or contact the
issuing or the managing entity as defined in the country overview. As there is in general
no business relationship between the issuing or the managing entity and the Creditor
Banks, there exists no legal basis for making information available regarding issued
Creditor Identifiers, especially in the light of applicable data protection laws.

8.1 Euro countries

8.1.1 Austria
Structure
AT97ZZZ01234567890 ‘Creditor Identifier’ or ‘Creditor ID’
For the national identifier 11 digits are used, the first 0 is a fixed field, the
remaining 10 digits are used in ascending order, starting with one – leading zeros.
Entity/contact point
Austrian Central Bank (Oesterreichische National Bank)
Banks will be able to check CIs against the database; they do not necessarily have
to be the Creditor Bank of the Creditor, of which they are inquiring the CI. However
for safety reasons banks will have to apply for bank specific access data in order to
be able to access the database.
Certificate
A certificate of the CI is provided by the issuing entity (Austrian Central Bank) to
the Creditor Bank. It is available for the Creditor upon request at the Creditor Bank.
Authenticity / validity check

The Austrian Central Bank is the central emitting and checking point for the Austrian
Creditor IDs:
Oesterreichische National Bank
Mag. Anita Schneider
Tel.: (+43-1) 404 20-4718
e-Mail: [email protected]
More information about the Austrian Creditor Identifier and current information about
the contact persons can be found on the website:
https://www.oenb.at/Statistik/Meldewesen/Meldebestimmungen/Stammdaten/Creditor-
ID.html
Every Austrian bank can make a check on Austrian Creditor IDs by itself via the
following (secured) link: https://www.myoenb.com/

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 Currently only Austrian Banks have access to the central database of Austrian Creditor
IDs. The inquiry is made through a secured link connected to a user ID and a
password.

National limitations to apply for a CI

Any customer wishing to receive a creditor ID in Austria needs to have an account
at an Austrian Payment Services Provider (PSP). A non-resident can receive a CI in
Austria under the following conditions:
- The creditor does not have a CI in his home country (when based within the
SEPA area)
- The creditor signs a creditor contract with his Austrian PSP
CIs can be issued for corporate and private creditors.
8.1.2 Belgium
Structure
BE68ZZZ0123456789
When the Creditor has an “Enterprise Number”
OR
BE78ZZZ050D000000008
When the Creditor does not have an “Enterprise Number”
For the national identifier 10 numeric positions fixed length are used. It is called the
“Enterprise Number” (this number is also used as the VAT Number by the company)
When the Creditor does not have an “Enterprise Number”, the structure of the CI
will be as follows:
Positions 8->10: internal bank code (specific for Belgium)
Position 11: “D”
Positions 12 up to 20: increasing number issued by the Creditor Bank (up to 9
positions are available)
Entity/contact point
The Enterprise number is assigned to a company by the Federal Public Service
(Ministry) Economy.
In the SEPA environment, the Creditor Banks will issue the CI and the national
database, used for the current domestic solution, will not be maintained anymore
after phase out of the domestic solution.
Certificate
Available upon request at the Creditor Bank
Authenticity / validity check

National limitations to apply for a CI

There is no limitation in Belgium for any creditor wishing to apply for a CI. Resident
and non- resident corporate and private creditors can apply for a Belgian CI.

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 8.1.3 Cyprus
Structure
CY97ZZZ003A
The Cyprus Creditor Identifier (CI) consists of eleven alphanumeric characters. Its
format is made up as follows: The first 2 fixed characters (CY), 2 check digits (e.g.
97 in the example above), another 3 fixed characters (ZZZ) and the final 4
alphanumeric digits (e.g. 003A in the example above), which comprise the
Creditor’s main identity.
Entity/contact point
The Association of Cyprus Banks (ACB) is the official authority for issuing Creditor
Identifiers (CI) at the request of the Creditor Bank only and for maintaining a
national CI database.
The ACB notifies the new CIs to all Banks. The Bank that requested a CI then
notifies the creditor accordingly. The new CIs are uploaded and updated on ACB’s
website on a regular basis.
Contact person details at ACB:
Marios Nicolaou
15 Demetriou Karatasou, Office 401
P.O.Box 16113
2086 Strovolos, Nicosia, Cyprus
Tel: +357 22664293
E-mail: [email protected]
Web: www.acb.com.cy
Certificate

Authenticity / validity check

The Association of Cyprus Banks maintains and validates the authenticity.
National limitations to apply for a CI
The EPC has not been informed about any limitation so far.
8.1.4 Estonia
Structure
EE43ZZZEE00012345678
The Central Commercial Register’s registry code in case of companies or the
personal ID code in case of private persons will be used as the national part of the
Estonian Creditor Identifier.
While the personal ID code is 11 digits long, the registry code is 8 digits long,
therefore a 3 zero padding on the left is used in the last case.

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 The Estonian CI format rule:
Position 1-2 filled with EE, the ISO country code.
Position 3-4 filled with the check digit according to ISO 7064 Mod 97-10.
Position 5-7 filled with the Creditor Business Code, if not used then filled with ZZZ.
Position 8-9 filled with the ISO country code of the following registry or ID code’s
issuer.
Position 10-20 filled with national registry code or personal ID code. If a shorter
registry code is used the position 10-12 is filled with 3 zeros.
Entity/contact point

Estonian Banking Association

Enn Riisalu
Ahtri 12
Tallinn 10151
Phone: + 372 611 6567
Fax: + 372 611 6568
e-mail: [email protected] / www.pangaliit.ee
The individual creditor banks will issue the Estonian Creditor Identifier based on the
format rule described above. The information for the Estonian Creditor Identifier
will be hosted on the web site of the Estonian Banking Association.
The Estonian Banking Association provides an online application for composing a CI
code at: http://pangaliit.ee/en/settlements-and-standards/sdd-ci-code
The national registry code can be checked online on Central Commercial Register’s
e-commercial register by accessing: https://ariregister.rik.ee.
Certificate

Authenticity / validity check

There will be the possibility to check the validity of the Estonian Creditor Identifier
in place. It will be only the possibility to check the structure according to the
Estonian standard as the Estonian Creditor Identifier is not bank specific and
there will be no central registry for existing creditor identifiers. The contact point
for this is the Estonian Banking Association (contact details mentioned above).
Also banks from other SEPA countries have access to this information.

National limitations to apply for a CI

The EPC has not been informed about any limitation so far.

EPC262-08 v5.0 Creditor Identif ier Overv iew 11

 8.1.5 Finland
Structure
FICDZZZ12345678
The presentation format in the national scheme is: 1234567-8.
The Business ID consists of seven digits, a dash and a control mark.
For CI the Business ID is used without the dash.
Business ID (Business Identity Code) is mainly used for issuing the CI.
Entity/contact point
The Business ID is obtained from the National Board of Patents and Registration.
The Creditor Banks will issue the CI.
Certificate

Authenticity / validity check

CI is based on the national Business ID. The Business ID can be validated on-line
by any party at the joint business information system of the National Board of
Patents and Registration and the Tax Administration by going to www.ytj.fi. The
service is available also in English.
National limitations to apply for a CI
A creditor wishing to obtain a CI in Finland needs a Finnish Business ID. Only legal
entities can obtain a CI.
8.1.6 France
Structure
FR12ZZZ123456
The SEPA Identifier for creditors located in France is called “Identifiant Créancier
SEPA” or “ICS”
The Creditor Identifier (CI) has a total length of 13 characters.
The country specific part of CI consists of 6 alphanumeric characters, based on
hexadecimal classification.
Entity/contact point

SEPA identifiers are attributed by the French central bank (Banque de France)
which manages the CI register.
The request of such identifier must be introduced at Banque de France by the bank
holding the creditor account. This bank must have an agreement for working in
France including some French Overseas Collectivities (départements d'outre-mer.
Please refer to the EPC list of SEPA Scheme Countries - EPC409-09). The CI is
transmitted by Banque de France to the requesting PSP which relays the
information to the Creditor.
Certificate
No certificate is needed as a new creditor bank initiating a relationship with a
creditor located in France can check the validity of the current CI (called
"Identifiant Créancier SEPA") by consulting the CI French central database.

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 Authenticity / validity check
[email protected]
Contact details : Banque de France - pôle PRERI
Phone : + 33 1 42 92 35 82
Access to the French data warehouse is limited to agreed banks authorised to
develop their activities in France including some French Overseas Collectivities
(départements d'outre-mer). Please refer to the EPC list of SEPA Scheme Countries
(EPC409-09) or in Monaco.
National limitations to apply for a CI
Only creditors with an account held with a Payment Service Provider (PSP) in
France combined with having a business activity in France may ask for a French
creditor identifier.
Under these conditions, resident and non-resident entities can obtain a French CI,
in case they do not have a CI in another SEPA country. Private persons can obtain a
CI only if they are residents in France.
8.1.7 Germany
Structure
DE97ZZZ12345678901
“Gläubiger-Identifikationsnummer” or “Gläubiger-ID”. The country-specific part of
the Creditor Identifier consists of a consecutive number. The German CI has a
length of 18 characters in total.
Entity/contact point
Deutsche Bundesbank
Wilhelm-Epstein-Str. 14
60431 Frankfurt am Main
Germany
http://www.glaeubiger-id.bundesbank.de
No third party, (e. g. a new Creditor Bank) can request information from the issuing
entity regarding the validity of a CI, as agreed with the German banking industry
and in line with data protection provisions.
Certificate

Authenticity / validity check

No procedure in place as explained above.
National limitations to apply for a CI
Only creditors formally registered in Germany are able to apply for a German CI.

EPC262-08 v5.0 Creditor Identif ier Overv iew 13

 8.1.8 Greece
Structure
GR97ZZZ12345

“Organisation code – Κωδικός αναγνώρισης δικαιούχου οργανισμού”

The existing national Creditor Identifier is a unique five digit (numerical).
Entity/contact point
DIAS Interbanking Systems (http://www.dias.com.gr)
Both Creditor and Creditor Bank can request such a CI.
The process is simple and is part of the rulebook of local direct debit system. It
consists of a request letter by Creditor Bank to DIAS and a reply with the id.
Certificate

Authenticity / validity check

Interbank Systems S.A. (DIAS) acting as CSM and Creditor Identifier provider
maintains and validates the authenticity.
Contact details:
Mrs. Evangelia Galanou
Operations Manager
Operations Department
Interbank Systems S.A. (DIAS)
2 Alamanas Street
15125 Maroussi, Greece
Tel. +30 210 617 17 30 / Fax +30 210 619 93 39
E-mail: [email protected] / [email protected] / http://www.dias.com.gr/
National limitations to apply for a CI
The EPC has not been informed about any limitation so far.
8.1.9 Ireland
Structure
IE97ZZZ123456
The CID is composed of 13 characters
Position 1 & 2 is ISO Country Code: IE
Position 3 & 4 Check Digit: According to ISO 7064 Mod 97-10
Position 5 to 7 is Creditor Business Code and if not used then filled with ZZZ
Position 8 to 13 is the National Creditor Identifier code which is a unique six digit
(numerical).

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 Entity/contact point
Banking & Payments Federation Ireland (BPFI)
Creditor Identifier is issued to Creditors by individual Creditor Banks according to
their applicable rules.
BPFI is the custodian of the SEPA CI Database for all CI’s issued in Ireland.
Contact Details:
Banking and Payment Federation Ireland
Nassau House, Nassau Street, Dublin 2
Phone: +353 1 4748800
Email: [email protected]
Certificate
N/A
Authenticity / validity check

No procedure in place

National limitations to apply for a CI

The EPC has not been informed about any limitation so far.
8.1.10 Italy
Structure
IT97ZZZA1B2C3D4E5F6G7H8
The Italian CI has a length of 23 characters in total.
The fiscal code (codice fiscale) and VAT number (Partita IVA) will be used as the
national part of the Creditor Identifier.
The fiscal code is 16 digits long, while VAT number and temporary fiscal code are
both 11 digits long (in this case a 5 zero padding on the left is used).
The Creditor Identifier for Italy will be:
Position 1-2 filled with IT, the ISO country code.
Position 3-4 filled with the check digit according to ISO 7064 Mod 97 10.
Position 5-7 filled with the Creditor Business Code, if not used then filled with
ZZZ.
Position 8-23 filled with national fiscal code. If VAT number/temporary fiscal code
are used a 5 zero padding on the left is used..
The CI of Banks who participate to the additional optional service SEDA will be:
Position 1-2 filled with IT, the ISO country code.
Position 3-4 filled with the check digit according to ISO 7064 Mod 97 10.
Position 5-7 filled with the Creditor Business Code “SED”.
Position 8-23 filled with BIC code and a 5 zero padding on the left.
The CI as defined below, shall be employed exclusively by PSPs participating in
the SEDA service to debit the fees due by the Creditors to each Debtor PSP for
offering the SEDA service. The CI so defined, responds to the needs of companies
that usually identify the PSP via its BIC.

EPC262-08 v5.0 Creditor Identif ier Overv iew 15

 Entity/contact point
Fiscal code and VAT number are public keys issued by the “Agenzia delle Entrate”
(Revenue Agency). For further information on the structures of the fiscal code and
the VAT refer to the following link:
http://www.agenziaentrate.it/ilwwcm/connect/Nsi/Servizi/
Creditor banks will give the necessary support to the creditors for the definition
and use of the CI. This will ensure that the CI structure is consistent with the
Italian CI standard.
For further information please contact:
Associazione Bancaria Italiana
Via delle Botteghe Oscure, 46
00186 Roma
E-mail: [email protected]
Certificate

Authenticity / validity check

No procedure in place
National limitations to apply for a CI
There is no limitation in Italy for any creditor wishing to apply for a CI. Resident
and non- resident creditors and private creditors can apply for an Italian CI. Non-
resident creditors will be supported by banks in order to obtain the Fiscal code by
“Agenzia delle Entrate” (Revenue Agency).
8.1.11 Latvia
Structure
LV00ZZZ40003000010
Creditor Identifier - in Latvian “SEPA saņēmēja identifikators”. For the Creditor
Identifier fixed length is 18 characters.
Creditor Identifier structure:
Position 1-2 filled with LV, the ISO country code;
Position 3-4 filled with the check digit according to ISO 7064 Mod 97-10;
Position 5-7 filled with the Creditor Business Code, if not used then filled with
ZZZ;
Position 8-18 filled with national "Enterprise registration number".
Creditor Identifier is issued by the Register of Enterprises of the Republic of Latvia
(Latvijas Republikas Uzņēmumu reģistrs) to all legal registered entities in Latvia
according to the applicable rules.
Entity/contact point
Register of Enterprises of the Republic of Latvia (Latvijas Republikas Uzņēmumu
reģistrs)
Contact: Perses street 2, Riga, LV 1011
Informative phone: +371 67031703
Fax: +371 67031793
E-mail: [email protected] / http://www.ur.gov.lv

EPC262-08 v5.0 Creditor Identif ier Overv iew 16

 Certificate
Authenticity / validity check
The validity of the CI can be verified on the website of the Register of Enterprises
of the Republic of Latvia http://www.ur.gov.lv/. The website is available only in
Latvian language.
National limitations to apply for a CI
Every legal entity receives both Registration No and CI in the moment when it is
registered in the Register of Enterprises of the Republic of Latvia.
A creditor wishing to obtain a CI in Latvia needs a Latvian enterprise Registration
number. Only legal entities can obtain a CI.
8.1.12 Lithuania
Structure
LT11ZZZ123456789
Positions 1-2 filled with the ISO country code (LT);
Positions 3-4 filled with Check Digit according to ISO 7064 Mod 97-10;
Positions 5-7 filled with Creditor Business Code. If not used, then filled with ZZZ;
Positions 8-16 filled with Creditor-specific identifier:
For legal entities, the positions must be filled with legal entity code of 9 digits.
Legal entity code is issued by the State Enterprise Centre of Registers.
For private customers, the position 8 must be filled with “P”. Positions 9-16 must
be filled with increasing number issued by the Creditor Bank.
Entity/contact point
Creditor Identifier is issued by Creditor Bank according to the applicable rules.
All the creditor identifiers issued are planned to be stored in a central database.
Administrator of the database is not decided yet.
Meanwhile webpage on SEPA issues will be launched at the nearest future and the
possibility will be created for any entity to check if the creditor identifier is
correct.
At the moment status of Legal entity by its code can be checked at the State
Enterprise Centre of Registers http://www.registrucentras.lt/jar/p/
Certificate
N/A
Authenticity / validity check
N/A
National limitations to apply for a CI
The EPC has not been informed about any limitation so far.

EPC262-08 v5.0 Creditor Identif ier Overv iew 17

 8.1.13 Luxembourg
Structure
LU27ZZZ0000000000123456789
The CI is composed of 26 alphanumerical characters as follows:
Position 1 and 2 Country Code: "LU" (ISO 3166)
Position 3 and 4 Check Digit: 2n (ISO 7064)
Position 5 to 7 Business Code: 3AN ; "ZZZ" (default)
Position 8 Fixed Value: ‘’0’’
Position 9 to 26 National Identifier: 18AN
For the 18-character National Identifier, it is possible to re-use 18 characters of
an existing identifier, which will be encapsulated in the SEPA Creditor Identifier. If
the existing identifier is less than 18 characters, the identifier is padded with “0”
to reach 18 characters. If there is no re-use of an existing identifier, then an
incremental SEPA Creditor-ID is generated, starting from “000000000000000001”
and ending to “999999999999999999”.
Entity/contact point
Entity: ABBL – Luxembourg Bankers’ Association
Useful information: http://www.abbl.lu/useful-information/banking-standards
Contact point: [email protected]
The Payment Services Provider (PSP) has to download the application form from
the ABBL website, complete it and send it back to the above mentionned e-mail
address.
In principle, only PSPs located in Luxembourg having a relation with the creditor
(thus not necessarily the SDD creditor bank) are authorized to ask ABBL for a CI
whereas the creditor may be located in any country.
The PSP has to provide enough information about the creditor (such as name,
address, VAT number, commercial register number, etc.) in order to allow ABBL
to ensure that the creditor has not already received a CI in Luxembourg and that
the generated CI is unique.
In exceptional cases, the CI may also be attributed by ABBL to PSPs outside
Luxembourg provided that the creditor is located in Luxembourg.
Certificate
No certificate is needed

EPC262-08 v5.0 Creditor Identif ier Overv iew 18

 Authenticity / validity check

A manual procedure via email request is in place in order to check the

authenticity/validity of an existing creditor-ID generated in Luxembourg by ABBL.
The contact point is Luxembourg Banker's Association (e-mail: [email protected])
This check is accessible also to banks from other SEPA countries. The answer
provided is only Yes or No to one or both questions on authenticity and validity.

National limitations to apply for a CI

There is no limitation in Luxembourg for any creditor wishing to apply for a CI.
Resident corporate and private creditors can apply for a Luxembourgish CI.
Non-resident corporate and private creditors can also apply for a Luxembourgish
CI provided that the requesting PSP is located in Luxembourg.
8.1.14 Malta
Structure
MTXXZZZ123456789X
Format Rule:
1) Positions 1 and 2: 'MT' represent Malta’s ISO country code (alpha)
2) Positions 3 and 4: ‘XX’ represent the check digits (numeric)
3) Positions 5 to 7: represent the Creditor Business Code. When not used the
value should be set to ‘ZZZ’ (alpha numeric)
4) Positions 8 to 16: '123456789' represent the Tax number, the individual's
Identity Card number or the unique identity number issued by the Central
Bank of Malta, with leading zeroes to pad up to nine digits (numeric)
5) Position 17: ‘X’ represents 'T' for Tax number or the letter that follows the
Identity Card number which could be either 'M', 'G', 'L', 'H' or in the case
where the unique identity number is issued by the Central Bank of Malta 'C' is
used
Note: the calculation of the check digit requires the following preliminary steps:
I. Disregard position 1 to 7
II. Take the country specific part, positions 8 to 17
III. Add the ISO country code and ‘00’ to the right-hand end
IV. Convert letters to digits in accordance with conversion table below
V. Apply the check character system MOD 97-10 (see ISO 7064)

A = 10 G = 16 M = 22 S = 28 Y = 34
B = 11 H = 17 N = 23 T = 29 Z = 35
C = 12 I = 18 O = 24 U = 30
D = 13 J = 19 P = 25 V = 31
E = 14 K = 20 Q = 26 W = 32
F = 15 L = 21 R = 27 X = 33

Example
Calculating the Check Digits for MTXXZZZ670169305T
1) Take positions 8-17 (preliminary step II) and add the ISO code together with
“00” to the right hand side (preliminary step III)
EPC262-08 v5.0 Creditor Identif ier Overv iew 19
 670169305TMT00
2) Convert the letters into digits in accordance to the conversion table
(preliminary step IV) 67016930529222900
3) Work the Mod 97-10 of the whole number [(a) below]. If necessary the
number can be divided into several subsequent calculations of integers
(remainders). Thus Mod 97-10 is calculated on the first 9 digits, carrying the
remainder to the next part [(b) below]. (Preliminary step V).
(a) MOD (67016930529222900;97) - Remainder is 48 or
(b) MOD (670169305;97) - Remainder is 88
MOD (882922290;97) - Remainder is 63
MOD (630;97) - Remainder is 48
4) Final step for obtaining the check digit is by subtracting the last integer from
the number 98, hence: 98 – 48=50
5) The Creditor Identifier thus is MT50ZZZ670169305T
Entity/contact point

This information will be hosted on the web site of the Central Bank of Malta and
that of the Malta Banker's Association.
Malta Bankers' Association
48/2 Birkirkara Road
Attard ATD1210
Tel: (+356) 2141 2210, 2141 0572
Fax: (+356) 2142 4580
e-mail: [email protected] / www.maltabankers.org
Central Bank of Malta
Pjazza Kastilja
Valletta, VLT 1060
MALTA
Tel: (+356) 2550 0000 / Fax: (+356) 2550 2500
[email protected] / http://www.centralbankmalta.org/the-sepa
In Malta, there is no single authority in charge of issuing CIs. The Central Bank of
Malta maintains a database of CIs issued by operators in Malta. The responsible
Department is the Payments and Banking Department, e-mail
[email protected] , telephone (+356) 2550 3603.
Certificate
No certificate is needed
Authenticity / validity check
The Validity of the Malta Creditor Identifier can be checked by reference to the
Central Bank of Malta by e-mail to [email protected]
National limitations to apply for a CI
The EPC has not been informed about any limitation so far.

EPC262-08 v5.0 Creditor Identif ier Overv iew 20

 8.1.15 Monaco
Structure
MC12ZZZ123456
The SEPA Identifier for creditors located in Monaco is called “Identifiant Créancier
SEPA” or “ICS”
The ICS has a total length of 13 characters.
The country specific part of the ICS consists of 6 alphanumeric characters, based
on hexadecimal classification.
Entity/contact point

SEPA identifiers are attributed by the French central bank (Banque de France) on
behalf of Monaco’s authorities. Banque de France manages the ICS register.
The request of such identifier must be introduced at Banque de France by the
bank holding the creditor account. This bank must have an agreement for working
in Monaco. The ICS is transmitted by Banque de France to the requesting PSP
which relays the information to the Creditor.
Certificate
No certificate is needed.
Authenticity / validity check
[email protected]
Contact details : Banque de France – pôle PRERI
Phone : +33 1 42 92 35 82
Access to the French data ware house is limited to agreed banks authorised to
develop their activities in France or in Monaco.
National limitations to apply for a CI
Only Creditors with an account held with a Payment Service Provider (PSP) in
Monaco may ask for a Creditor Identifier.
Under these conditions, resident or non-resident entities can obtain a Monegasque
Creditor Identifier in case they do not have a Creditor Identifier in another SEPA
country. Private persons can obtain a Creditor Identifier only if they are residents
in Monaco.
8.1.16 Netherlands
Structure

NL97ZZZ123456780001
The Trade Register Number of the Chamber of Commerce (KvK) will be used as
the national part of the CI.
This 8-digit Trade Register Number is mandatory for all legal entities in the
Netherlands.
The exact specification of the CI for Netherlands is:
Position 1-2 filled with NL, the ISO country code.
Position 3-4 filled with the check digit according to ISO 7064 Mod 97-10.

EPC262-08 v5.0 Creditor Identif ier Overv iew 21

 Position 5-7 filled with the Creditor Business Code, if not used then filled with ZZZ.
Position 8-15 filled with the Trade Register Number (KvK number) of the Creditor.
Position 16-19 filled with a numerical code as issued or agreed by the Creditor
Bank.

Entity/contact point

http://www.kvk.nl/English/
Click 'Trade Register'
Click 'Access to the Trade Register'
Click 'Searching the Trade Register'
Telephone: + 31 (0)900 1234567 (Between 8:30 hrs - 17:00 hrs)
For any other information regarding the CI in the Netherlands please contact the
Dutch Payments Association. E-mail: [email protected]

Certificate

The Creditor Bank supplies an appropriate document (Certificate) to its Creditor.

In this document it is stated that the Creditor Bank has granted this specific CI to
a specific Creditor.
Creditors may re-use this CI with another Creditor Bank. For this purpose the
Creditor will hand over a copy of the Certificate to its (new) Creditor Bank. This
Bank might verify the document.

Authenticity / validity check

The Dutch community uses a public key for the country specific part of the
identifier.
This public key uniquely identifies the organization (see above), but does not
provide information whether a CI has already been issued to this organisation.
When issuing a CI or on request of the Creditor the Creditor bank will hand over a
certificate (and archive one for later inquiries) to the Creditor. This certificate
provides the evidence that the CI has been issued according to the applicable rules
and guaranties that the issued CI is unique and contains all information needed.

National limitations to apply for a CI

Dutch creditor banks do not supply CIs to private persons.
8.1.17 Portugal
Structure
PT97ZZZ123456
The national Creditor Identifier (CI):
Position 1-2 filled PT (ISO Country Code) (n2);
Position 3-4 Check Digit according to ISO 7064 Mod 97-10 (n2)
Position 5-7 Creditor Business Code (n3) – if not used then fill ZZZ
Position 8-13 Creditor specific identifier created by SIBS FPS (n6)

EPC262-08 v5.0 Creditor Identif ier Overv iew 22

 Entity/contact point
National CIs are issued by SIBS Forward Payment Solutions (SIBS FPS)
Contact: [email protected]
National CIs are requested by Payment Services Providers (PSP) authorised by
Banco de Portugal to develop its activity in Portugal, on behalf of the creditors they
support.
PSPs must submit a request for a national CI to [email protected] providing the
following information about the creditor: name, address, VAT number, business
code and service type requested (Core or B2B).
PSPs with access to SIBS’s Services Portal may request a national CI using this
interface.
Certificate
No certificate is needed.
Authenticity / validity check

Any questions related to national CIs may be addressed either by phone or by e-

mail to the following organization:
SIBS FPS
Departamento de Gestão de Operações e Redes- Núcleo de Atendimento
e-mail: [email protected]
Phone Number: +351 21 092 92 00
PSPs with access to SIBS’s Services Portal may also obtain additional information
through this interface.

National limitations to apply for a CI

National CIs may only be issued for creditors registered in Portugal (i.e. with a
National Fiscal Number) and must be requested by a Payment Service Provider
authorised by Banco de Portugal to develop its activity in Portugal.
8.1.18 San Marino
Structure
SM97ZZZA1B2C3D4E5F6G7H8

The Sammarinese CI has a length of 23 characters in total.

The fiscal code (codice ISS for individuals and codice COE for corporates) will be used
as the national part of the Creditor Identifier.
The fiscal code for individuals is 7n long, while for corporates the code contains the
prefix SM followed by 5n long (if the existing identifier is less than 16 characters, the
fiscal code is padded on the left with “0” to reach 16 characters).
The Creditor Identifier for San Marino will be:
Position 1-2 filled with SM, the ISO country code.
Position 3-4 filled with the check digit according to ISO 7064 Mod 97 10.
Position 5-7 filled with the Creditor Business Code, if not used then filled with ZZZ.

EPC262-08 v5.0 Creditor Identif ier Overv iew 23

 Position 8-23 filled with national fiscal code. If the identifier is less than 16 characters,
the fiscal code is padded on the left with “0” to reach 16 characters.
Entity/contact point

For further information on the structures of the fiscal code refer to the following link:
Banca Centrale della Repubblica di San Marino (CBSM)
Via del Voltone, 120
47890 San Marino
Republic of San Marino
E-mail: [email protected]
Certificate

Authenticity / validity check

National limitations to apply for a CI

The EPC has not been informed about any limitation so far.
8.1.19 Slovakia
Structure
SKxxZZZnnnnnnnnnnn
CID - "Identifikátor príjemcu" has fixed length of 18 digits.
The structure is as follows:
Position 1-2 filled with the ISO country code SK
Position 3-4 is filled with the check digit according to ISO 7094 Mod 97-10
Position 5-7 is filled with the Creditor Business Code, if not used then filled with ZZZ
Position 8-18 consists of a consecutive number assigned by managing entity with
the first digit set to 7 – the first number assigned is 70000000001, then
70000000002, ….
Entity/contact point
Národná banka Slovenska
Imricha Karvaša 1
813 25 Bratislava 1
Slovakia
Contact point: Payment System Department
E-mail: [email protected] / http://www.nbs.sk
Centralized national register of CID is available for banks via private network of
Národná banka Slovenska. Creditors can apply for CID through their servicing
bank.
Certificate
Certificate is issued automatically.

EPC262-08 v5.0 Creditor Identif ier Overv iew 24

 Authenticity / validity check
No service concerning the authenticity check of a Creditor Identifier is provided.
National limitations to apply for a CI
A Slovakian CI application can be addressed to the National Bank of Slovakia by a
Slovakian Payment Services Provider (PSP) for resident and non-resident creditors
who conduct business in Slovakia.
Private creditors can apply for a Slovakian CI via their bank in Slovakia.
The Slovakian banking community accepts CIs that have been assigned by other
SEPA countries (it is the responsibility of the Slovakian PSP to verify foreign CIs)
Any customer wishing to receive a creditor ID in Slovakia needs to have an
account at a Slovakian PSP. A non-resident can receive a CI in Slovakia under the
following conditions:
• The creditor does not have a CI in his home country (when based within the
SEPA area)
• The creditor signs a creditor contract with his Slovakian PSP
8.1.20 Slovenia
Structure
SI56ZZZ12345678
Fixed length is 15 characters
Creditor Identifier structure:
Position 1-2 filled with the ISO country code: SI
Position 3-4 filled with the check digit according to ISO 7064 Mod 97-10: [0-
9]{2,2}
Position 5-7 filled with ZZZ
Position 8 onwards filled with 8 digits length tax number: 1234567K (the last
character is control number)
Entity/contact point
Slovenian Business Register online (iPRS), which can be found at AJPES (Agency
of the Republic of Slovenia for Public Legal Records and Related Services) on their
website in English language
http://www.ajpes.si/Data_and_Services/iPRS/Overview_iPRS?id=774 and in
Slovenian language http://www.ajpes.si/prs/
For consumers the CI can be obtained only in written demand, which should be
sent to AJPES.
Certificate

Authenticity / validity check

The Tax Identification number is a component part of CI in Slovenia. Agency of
the Republic of Slovenia for Public legal Records and Related Services (AJPES) is
the contact point for such a check on their website in English language:
http://www.ajpes.si/Data_and_Services/iPRS/Overview_iPRS?id=774 , and in
Slovenian language: http://www.ajpes.si/prs/. Information is given to banks
from other SEPA countries as well.
National limitations to apply for a CI

EPC262-08 v5.0 Creditor Identif ier Overv iew 25

 The EPC has not been informed about any limitation so far.
8.1.21 Spain
Structure

The national Creditor Identifiers in Spain can be provided by any bank or calculated by
the creditor since they are composed with the national fiscal code (NIF or NIE):
Positions 8 up to 16 contain the country-specific identifier = NIF or NIE.
Public information about national fiscal code and its composition is available and can
be resumed as follows:
For Legal Entities: M23456789
NIF (‘Número de Identificación Fiscal’). It is composed by 9 characters with the
following composition:
a) A letter providing information on its legal form:
A. Corporations.
B. Limited Liability Companies.
C. General Partnerships
D. Limited Partnerships
E. Co-ownerships and Inheritances in Abeyance
F. Cooperatives
G. Associations
H. Homeowners Communities
J. Civil Corporations
N. Foreign Entities
P. Local Government
Q. Public Organisms
R. Religious Congregations and Institutions
S. Central Government and Autonomous Regions Bodies
U. Joint Ventures with Legal Personality
V. Others not defined in the preceding list
W. Permanent Establishments settled by Non-Resident Entities
b) A random number of 7 digits.
c) A letter or a number, depending on its legal form (check code).
For Individuals: 52840790N
NIF (‘Número de Identificación Fiscal’). It is composed by 9 characters: 8 digits and a
final letter as check code at the end.
For Non-Resident Spanish Individuals, for Spanish Individuals under 14 and for Non-
Resident Foreign Individuals doing transactions with tax transcendence: NIF composed
by a letter (“L” for Spanish Non-Residents, “K” for under 14 and “M” for Non-Resident
Foreigns), 7 alphanumeric characters and a letter (check control).
For Foreign Individuals: X1234567L
NIE (‘Número de Identidad de Extranjero’). It is composed by 9 characters: an initial
letter, “X”, followed by 7 digits, and a final letter as check code. Having exhausted the
numerical capacity of the letter “X”, the sequence will be continued in alphabetical
order (first with “Y” and then “Z”).

EPC262-08 v5.0 Creditor Identif ier Overv iew 26

 Entity/contact point

For further information on the structures of the fiscal code is available at the
following links:
NIF (Legal Entities):
http://www.agenciatributaria.es/AEAT.internet/Inicio_es_ES/La_Agencia_Tributaria/
Campanas/Censos__NIF_y_domicilio_fiscal/Empresas_y_profesionales__Declaracion
_censal__Modelos_036_y_037/Informacion/NIF_de_personas_juridicas_y_entidades
.shtml
NIF (Individuals) and NIE:
http://www.agenciatributaria.es/AEAT.internet/Inicio_es_ES/La_Agencia_Tributaria/
Campanas/Censos__NIF_y_domicilio_fiscal/Ciudadanos/Informacion/NIF_de_person
as_fisicas.shtml
Certificate

Authenticity / validity check

National limitations to apply for a CI

There is no limitation in Spain for any creditor wishing to apply for a CI. Resident
and non-resident corporate and private creditors can apply for a Spanish CI,
provided that they have a national fiscal code (NIF or NIE).

EPC262-08 v5.0 Creditor Identif ier Overv iew 27

 8.2 Non Euro countries
8.2.1 Bulgaria
Structure
BG32ZZZ100064095
Position 1-2 – filled with BG, the ISO country code;
Position 3-4 – check digit according to ISO 7064 mod 97-10;
Position 5-7 – filled with ZZZ;
Position 8 – filled with the identification type 1 or 2;
Position 9 onwards – when the identification type is 1, filled with a national
uniform identification code (BULSTAT/EIK), when the identification type is 2, filled
with a generated code having 9 to 24 numeric and uppercase Latin characters.
Entity/contact point
BORICA BANKSERVICE AD (Bulgarian ACH web site www.bobs.bg) manages the
central register for all CI issued at request of creditors under SDD schemes.
Creditors apply for CI through their servicing banks.
Contact details: Tzvetan Petrov, Payment Systems Department,
[email protected], +359 2 / 921 53 48
Certificate
No certificate is issued
Authenticity / validity check
The validity of a given Bulgarian CI can be checked at the web site of
BORICA-BANKSERVICE AD http://credid.bsbg.net. The site is available both in
Bulgarian and in English.
National limitations to apply for a CI
There are no limitations with regard to the residency of the CI applicant. Legal
entities and private persons can obtain a Bulgarian CI.
8.2.2 Croatia
Structure
HRxxZZZ01234567890
The Croatian CI has a length of 18 characters in total.
The fiscal number will be used as the national part of the Creditor Identifier.
The specific name for CI is ‘OIB – Osobni Identifikacijski broj’ (Personal
Identification Number)
Fiscal number consists of 11 digits. First 10 digits are randomly chosen, while the
11th digit is a check digit according to Module 11.10" ISO 7064th
Position 1-2 – filled with HR, the ISO country code;
Position 3-4 – check digit according to ISO 7064 mod 97-10;
Position 5-7 – filled with ZZZ;
Position 8 onwards – filed with national fiscal number.
Entity/contact point
CIs will be maintained by Financijska agencija – FINA (Financial Agency), Croatian
ACH, (www.fina.hr, e-mail: [email protected], phone +385 1 6128 052).

EPC262-08 v5.0 Creditor Identif ier Overv iew 28

 Certificate
No certificate is needed.
Authenticity / validity check
Financial Agency (FINA) issues the CI on the request of any bank from Croatia.
The creditor cannot ask Financial Agency (FINA) directly.
National limitations to apply for a CI
There are no limitations with regard to the residency of the CI applicant. Only
non-consumers can obtain a Croatian CI.
8.2.3 Czech Republic
Structure
CZkkZZZnnnnn,
kk - check digit according to ISO 7064 modulo 97
ZZZ is the code (Creditor Business Code) selected by the creditor when executing
the direct debit
nnnnn is a number from 10000 to 99999, it is a Creditor specific identifier
Entity/contact point
Creditor Identifier (CID) is issued by the Czech National Bank. The register of CID
is available on Czech National Bank web page
http://www.cnb.cz/en/payment_systems/accounts_bank_codes/ under the
heading “Registr of SEPA Direct Debit Creditors”.
The rules for maintaining the register are on
http://www.cnb.cz/en/payment_systems/accounts_bank_codes/rules_rip.html
Certificate
No certificate is needed
Authenticity / validity check
The register of CID is available on Czech National Bank web page
http://www.cnb.cz/en/payment_systems/accounts_bank_codes/ under the
heading “Registr of SEPA Direct Debit Creditors”.
National limitations to apply for a CI
Only creditors registered in the Czech Republic can obtain a Czech CID.
The Czech National bank issues the CID on the request of any bank from Czech
Republic. The creditor cannot ask the Czech National Bank directly. The rules for
maintaining the register are on
http://www.cnb.cz/en/payment_systems/accounts_bank_codes/rules_rip.html
8.2.4 Denmark
Structure
DK68ZZZ999912345678
National Part:
Fixed four characters Bank Registration Number followed by fixed length 8
numbers CVR. The CVR is a formal and public Business Register Number (Centrale
VirksomhedsRegister)

EPC262-08 v5.0 Creditor Identif ier Overv iew 29

 Entity/contact point
The CVR is allocated and managed by the Central Business Register (det centrale
virksomhedsregister), which is a public authority being part of the Danish
Commerce and Companies Agency. The CVR can be looked up at
http://www.cvr.dk/
Certificate

Authenticity / validity check

National limitations to apply for a CI

CI applicants must have a formal Danish Business Register Number (Centrale
VirksomhedsRegister or CVR). CI applicants must be registered in Denmark.
Only legal entities can have a CVR number. A private person cannot obtain a CI in
Denmark.
8.2.5 Hungary
Structure
Illustrative presentation: HU74111A12345676 or HU56ZZZE12345676.
Hungarian SEPA CI is always 16 characters.
The domestic creditor identifier is either 9 or 13 characters on paper form and
always 13 characters in electronic representation (1a8n4e) or (1a8n1a3n). If the
identifier does not contain a Creditor Business Code, the last 4 positions must be
filled with spaces.
The structure is the following:
Annnnnnnn[Tnnn] , where
- 'A' indicates that the following 8 numeric characters must be interpreted as tax
number,
- 'T' indicates that the following 3 numeric characters are the Creditor Business
Code.
Ennnnnnnn, where
- 'E' indicates that the following 8 characters must be interpreted as ’other
identifier’
The specific name for CI is ‘beszedőazonosító’ (Creditor Identifier)
Conversion of a domestic CI to a SEPA CI includes the movement of Creditor
Business Code, when present, to position 5-7 of the SEPA CI and dropping ‘T’
character.
More information can be found on domestic CI in ICS Standards (Volume III)
which can be downloaded from https://www.giro.hu/documents/ics-ig1-standards
Entity/contact point
Creditor or account keeping banks are issuing entities; however, they have to
register the CIs in the Central Registry of the Hungarian ACH (GIRO Zrt.) which
plays the managing entity role.
Managing Entity: GIRO Zrt.

EPC262-08 v5.0 Creditor Identif ier Overv iew 30

 Address: H-1054 Budapest, Vadász u. 31.
Phone: +36 1 428 5623 / Fax: +36 1 269 5458
E-mail: [email protected] / Web: https://www.giro.hu
Certificate

Authenticity / validity check

GIRO Zrt. publishes the list of registered SEPA CIs on its website at
https://www.giro.hu/documents/sdd-documents

National limitations to apply for a CI

There are no limitations for any creditor wishing to apply for a Hungarian CI at
their account keeping bank, provided that the applicant is registered or resident in
Hungary, or initiates direct debits in Hungary.
8.2.6 Iceland
Structure
The Creditor Identifier has not yet been created in Iceland. The reason is that
there has been no demand for EUR direct debits in Iceland. No Icelandic bank has
adhered yet or is planning to adhere to the EPC SDD schemes
Entity/contact point

Certificate

Authenticity / validity check

National limitations to apply for a CI

The EPC has not been informed about any limitation so far.
8.2.7 Liechtenstein
See Switzerland
8.2.8 Norway
Structure
NO97ZZZ123456785
Digit Content
1-2: ISO country code
3-4: Check digit according to ISO7064 Mod97-10
5-7: Creditor Business Code (not used)
8-16: National Organization number
About the national organization number in Norway:

EPC262-08 v5.0 Creditor Identif ier Overv iew 31

 Every entity that is registered in the Central Coordinating Register of Legal
Entities is given an organization number. The organization number identifies legal
entities etc. and is the key to the information about them in the Brønnøysund
registers.
Enterprises registered in the Central Coordinating Register of Legal Entities must
see to it that the organization number is printed on their business documents.
The organization number consists of 9 digits, where the last is a check digit
calculated by weighting the individual digits with standard weights, modulus 11.
Entity/contact point
The individual creditor banks will issue the CI based on the national organization
number.
The national organization number is allocated and managed by
Brønnøysundregistrene
(Register authority and source of information).
NO-8910 Brønnøysund
Telephone number: +47 75 00 75 00
Email: [email protected]
The national organization number can be checked online by accessing
http://www.brreg.no/
Certificate
N/A

EPC262-08 v5.0 Creditor Identif ier Overv iew 32

 Authenticity / validity check

There is no specific procedure in the Norwegian banking community for checking a

Creditor Identifier. The issuing bank must in that case be contacted directly. However,
part of the Creditor Identifier issued by the Norwegian bank will consist of an
organisation number, which is publicly issued by the Norwegian authorities. The
Norwegian organisation numbers can be checked online on web at the website
http://www.brreg.no/
For checking the CI, the ISO country code and the Creditor Business Code (which is
not used at present) must be ignored which leaves the organisation number. The
organisation number can be checked at the following entity:
Brønnøysundregistrene (Register authority and source of information)
NO-8910 Brønnøysund
Telephone number: +47 75 00 75 00
Email: [email protected]
The national organization number can be checked online by accessing
http://www.brreg.no/
There are no restrictions for giving general information about an entity that is
registered with an organisation number in Brønnøysundregistrene “Register authority
and source of information” although the online search window is only in Norwegian
language. Direct requests can be made through http://www.brreg.no/english/contact.html.
Specific information about the entity can also be given, but that may generate a
demand for a fee from the requesting party.
In case a Creditor with an existing CI generated in Norway would move his account
relationship from a Creditor Bank in one SEPA country to a Creditor Bank in another
SEPA country, the new Creditor Bank can make validity checks by verifying this against
the bank that originally issued the CI, based on information given by the Creditor.

National limitations to apply for a CI

The Norwegian national organisation number is the basis for the CI. If a private
person needs to establish a CI, a national organization number needs to be acquired.
8.2.9 Poland
Structure
PL97ZZZ0123456789
Position 1-2 – filled with PL, the ISO country code
Position 3-4 – check digit according to ISO7064 mod 97-10
Position 5-7 – filled with ZZZ
Position 8 onwards – filled with NIP or NIW
NIP is a national tax number for residents, issued by tax authorities
NIW is identifier of creditors that are not residents, issued by KIR S.A. (Polish ACH)
Entity/contact point
Central issuing entity is KIR S.A. – Polish ACH
KIR S.A.
Krajowa Izba Rozliczeniowa S.A.
Clearings Department - Clearing Systems Unit
65 Pileckiego Str
02-781 Warsaw, Poland
tel. + 48 801 500 207, +48 22 545 55 55

EPC262-08 v5.0 Creditor Identif ier Overv iew 33

 e-mail: [email protected]
Certificate
N/A
Authenticity / validity check
Validation can be done by applying validation rule in ISO 7064 Mod 97-10.
Moreover additional validation can be done on the basis of NIP and NIW registries.
National limitations to apply for a CI
Only legal entities registered in Poland can obtain a CI in Poland and only through
bank of Polish payment system.
8.2.10 Romania
Structure
ROXXZZZC...
The National Creditor Identifier:
Position 1-2 filled RO (ISO Country Code) (n2);
Position 3-4 Check Digit according to ISO 7064 Mod 97-10 (n2)
Position 5-7 - ZZZ Creditor Business Code (n3) –not used
Position 8 onwards:
For individuals
SAALLDDJJNNNC standing for Personal Numerical Code, where:
S= male/female values:
1/2 born 01.01.1900-12.31.1999
3/4 born 01.01.1800-12.31.1899
5/6 born 01.01.2000-12.31.2099
7/8 foreigners resident in Romania
AA= year
LL= month
DD= day
JJ= County code
NNN=sequence number, value 001-999
C= Check digit.
For legal entities
AAAAAAAAAC Unique Identification Code (or Fiscal Code) where:
AAAAAAAAA = sequence number max 9 figures.
C= Check digit
Entity/contact point
No central issuing and registration of CIs.
The CI is to be issued by each Creditor bank or upon request by the Romanian
Banking Association
Romanian Banking Association
4-6, Negru Voda Street, Bl. C3 Sector 3, Bucharest, Romania
Phone: (+4) 021 321 20 78 / (+4) 021 321 20 80
(+4) 021 320 14 23 / (+4) 021 320 14 24
Fax: (+4) 021 321 20 95
E-mail: [email protected], [email protected] / http://www.arb.ro/en/contact/

EPC262-08 v5.0 Creditor Identif ier Overv iew 34

 Certificate
No certificate is needed.
Authenticity / validity check
Validation of CI can be easily done by applying the validation rule in ISO 7064
Mod 97-10. Validation of Personal Numerical Code, respectively of Unique
Identification Code can be done, if necessary, on different official sites.
Issuing and validation procedures are detailed on http://www.arb.ro/en/creditor-
identifier-algorithm-in-sdd-schemes/
National limitations to apply for a CI
A CI can only be granted to companies registered in Romania and to private
persons having their residence in Romania.
8.2.11 Sweden
Structure
SE97ZZZ1234567890
The national part is the national ID for legal entities in the national tax system. :
The “Organization number”.
The national organization number has 10 characters.
The presentation format in the national scheme is: 123456-7890
First position is a number that identifies the type of legal entity. Last position is a
check code number. For CI the organization number is used without the dash.
Entity/contact point
No central registration of CI.
The CI is to be delivered by each individual bank.
The national organization number is distributed by the national Tax Authority;
Skatteverket.
Certificate

Authenticity / validity check

National limitations to apply for a CI

Only legal entities registered in Sweden can obtain a CI in Sweden.
8.2.12 Switzerland
Structure
CH0712300000012345
“Creditor Identifier”, (in German: “Identifikationsnummer des
Zahlungsempfängers”)
The Creditor Identifier in Switzerland and Liechtenstein is structured as follows:
- Positions 1 and 2: The ISO national code for Switzerland (CH), Liechtenstein
(LI).
- Positions 3 and 4: Two-digit check digits (modulo 97-10) pertaining to parts a
and d (part c is not considered).

EPC262-08 v5.0 Creditor Identif ier Overv iew 35

 - Positions 5 to 7: Three-digit Creditor Business Code that can be freely
determined by the creditor for the identification of a business field within the
same company. If no Creditor Business Code is used, then “ZZZ” is used as a
placeholder.
- Positions 8 to 18: Eleven-digit numerical national Creditor Identifier, which
unambiguously identifies the creditor within Switzerland and Liechtenstein. It
is numbered progressively beginning with 1 and filled in with leading zeroes.
Entity/contact point
SIX Interbank Clearing
Hardturmstrasse 201
8021 Zurich
On behalf of the Swiss and Liechtenstein financial centres, SIX Interbank Clearing
as the National Adherence Support Organisation (NASO) of Switzerland is in
charge of the issuing and administration of Creditor Identifiers, which are
identification numbers for creditors.
The issuing of Creditor Identifiers is made regardless of the applicant’s legal
characteristics and economic situation and therefore does not contain any
statement or evaluation by the issuing authority.
The financial institution can apply for a Creditor Identifier exclusively online:
http://www.sepa.ch/en/home/direct-debits/creditor-identifier/allocation-
application.html through
Certificate
N/A
Authenticity / validity check

Swiss community has procedures in place to check the authenticity/validity of an

existing Creditor Identifier. To do so, a financial institution may ask the central
Creditor Identifier allocation office (National Adherence Support Organization)
whether an identifier is valid or not. The reply consists only of the identifier’s status
(“valid” or “invalid”) and does not provide the creditor’s data.
The inquiry application form for financial institutions is published under following
link:http://www.sepa.ch/en/home/direct-debits/creditor-identifier/inquiry-application.ht ml

National limitations to apply for a CI

Applications for the issuing of a Creditor Identifier with ISO national code for
Switzerland (CH) or Liechtenstein (LI) are to be made exclusively through
financial institutions. This means that creditors must apply for their Creditor
Identifier through a financial institution. The financial institution does not have to
be located in Switzerland or in Liechtenstein.
The financial institution can apply for a Creditor Identifier exclusively online:
http://www.sepa.ch/en/home/direct-debits/creditor-identifier/allocation-
application.html

EPC262-08 v5.0 Creditor Identif ier Overv iew 36

 8.2.13 United Kingdom
Structure
The UK has chosen to develop a Creditor Identifier specifically for the SDD
Schemes, based on the format set out in the SDD Scheme Rulebooks and
Implementation Guides. Called the UK SEPA CI it is structured as follows:
Positions 1-2: ISO Country Code i.e. GB
Positions 3-4: Check digit
Positions 5-7: Business Code
Positions 8-10: Scheme Code i.e. SDD
Positions 11-14: Participant Code i.e. the first four characters of the issuing
Creditor Bank’s BIC
Positions 15-20: Bacs Service User Number (SUN) if one exists or six zeros in the
absence of a Bacs SUN
Positions 21 up to 35: determined by the issuing Creditor Bank (alphanumeric
Latin characters only).
Entity/contact point
Individual Creditor Banks are responsible for issuing UK SEPA CIs to Creditors
and, as such, are the issuing entities.
There is no central issuing entity, central UK SEPA CI database or central UK SEPA
CI validation service.
Certificate
The issuing Creditor Bank may wish to provide confirmation of the UK SEPA CI in
a formal letter to the Creditor
Authenticity / validity check
No procedure in place.
National limitations to apply for a CI
The United Kingdom reported that there are no limitations for any creditor wishing
to apply for a UK CI. There is no requirement for the issuing Creditor Bank to be
registered in the UK (i.e. a UK bank) so, for example, a German bank can issue a
Creditor Identifier that follows the UK format.

EPC262-08 v5.0 Creditor Identif ier Overv iew 37