Banks in Germany and SEPA: quick comparison
The 8 most relevant banks in Germany for sending or receiving SEPA files, with BIC, BLZ (Bankleitzahl), commercial cut-off and accepted formats.
Comparison table
| Bank | BIC | BLZ (Bankleitzahl) | SCT cut-off | Main formats |
|---|---|---|---|---|
| Deutsche Bank | DEUTDEFF |
50070010 |
16:00 CET | SEPA XML pain.001/pain.008, DTAZV (legacy intl) |
| Commerzbank | COBADEFF |
50040000 |
16:00 CET | SEPA XML pain.001/pain.008, DTAZV |
| Sparkassen (red) | HELADEFF |
varia por entidad |
14:00 - 17:00 CET (varia) | SEPA XML pain.001/pain.008, DTA legacy |
| DZ Bank (Volksbanken) | GENODEFF |
50060400 |
16:00 CET | SEPA XML pain.001/pain.008, DTAZV |
| N26 | NTSBDEB1 |
10011001 |
Instant (24/7) | SEPA XML pain.001 (Business via API), SEPA Instant nativo |
| Postbank | PBNKDEFF |
10010010 |
16:00 CET | SEPA XML pain.001/pain.008, DTA legacy |
| ING (Alemania, ex-DiBa) | INGDDEFF |
50010517 |
15:30 CET | SEPA XML pain.001/pain.008, EBICS (Business) |
| DKB (Deutsche Kreditbank) | BYLADEM1001 |
12030000 |
15:00 CET | SEPA XML pain.001/pain.008, EBICS |
How to use this index
- Locate your bank in the table.
- Click its name to open the detailed page.
- Don’t know which bank an IBAN belongs to? Use Bank from IBAN.
Banks in other SEPA countries
Conclusion
Every SEPA-area bank accepts standard SEPA XML. Practical differences lie in cut-offs, legacy format support and digital UX. Generate your file with GenerateSEPA.
