SEPA in Unicaja Banco
Working with Unicaja Banco (BIC UCJAES2M, AEB code 2103)? Below is everything you need to upload your SEPA file and have it processed without friction.
TL;DR
- BIC:
UCJAES2M - AEB code:
2103 - SCT cut-off: 13:30
- Formats: SEPA XML pain.001/pain.008, Norma 19, Norma 34
- Upload path: Unicaja Banco Business → Files → Upload.
Quirks
Strong presence in Andalusia and Castile-León. Norma 76 available to industrial 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: Unicaja Banco Business → Files → Upload.
- Confirm signing (second factor if needed).
- Download the receipt.
Spotting a Unicaja Banco IBAN
Any Spanish IBAN starting with ES#2103 belongs to Unicaja Banco. Confirm via Bank from IBAN.
Common errors
- Uploading a non-supported file type (check ‘Formats’ above).
- Missing the 13:30 cut-off (operation rolls to D+1).
- Out-of-date mandate after debtor changes.
Conclusion
Unicaja Banco accepts SEPA XML seamlessly. Follow the steps above and always validate before submitting.
