SEPA in BBVA
Working with BBVA (BIC BBVAESMM, AEB code 0182)? Below is everything you need to upload your SEPA file and have it processed without friction.
TL;DR
- BIC:
BBVAESMM - AEB code:
0182 - SCT cut-off: 14:30
- Formats: SEPA XML pain.001/pain.008, Norma 19, Norma 34, Norma 58
- Upload path: BBVA net cash → Operations → Files → Import → pick the file type (SEPA XML, N19, N34…).
Quirks
Allows up to 25,000 operations per file. Premium support for enterprise customers.
Step-by-step upload
- Generate your SEPA XML in GenerateSEPA or export from your ERP.
- Validate the batch with our SEPA XML Validator.
- Sign in to online banking: BBVA net cash → Operations → Files → Import → pick the file type (SEPA XML, N19, N34…).
- Confirm signing (second factor if needed).
- Download the receipt.
Spotting a BBVA IBAN
Any Spanish IBAN starting with ES#0182 belongs to BBVA. Confirm via Bank from IBAN.
Common errors
- Uploading a non-supported file type (check ‘Formats’ above).
- Missing the 14:30 cut-off (operation rolls to D+1).
- Out-of-date mandate after debtor changes.
Conclusion
BBVA accepts SEPA XML seamlessly. Follow the steps above and always validate before submitting.
