Spanish banks and SEPA: quick comparison
The 13 most relevant Spanish banks for sending or receiving SEPA files, with their BIC, AEB code, commercial cut-off and accepted formats.
Comparison table
| Bank | BIC | AEB code | SCT cut-off | Main formats |
|---|---|---|---|---|
| BBVA | BBVAESMM |
0182 |
14:30 | SEPA XML pain.001/pain.008, Norma 19 |
| Santander | BSCHESMM |
0049 |
14:00 | SEPA XML pain.001/pain.008, Norma 19 |
| CaixaBank | CAIXESBB |
2100 |
14:00 | SEPA XML pain.001/pain.008, Norma 19 |
| Banco Sabadell | BSABESBB |
0081 |
13:30 | SEPA XML pain.001/pain.008, Norma 19 |
| Bankinter | BKBKESMM |
0128 |
14:00 | SEPA XML pain.001/pain.008, Norma 19 |
| ING España | INGDESMM |
1465 |
14:00 | SEPA XML pain.001/pain.008, Norma 19 |
| Unicaja Banco | UCJAES2M |
2103 |
13:30 | SEPA XML pain.001/pain.008, Norma 19 |
| Kutxabank | CGLKES2M |
2095 |
14:00 | SEPA XML pain.001/pain.008, Norma 19 |
| Cajamar | CCRIES2A |
3058 |
13:30 | SEPA XML pain.001/pain.008, Norma 19 |
| Abanca | CAGLESMM |
2080 |
13:30 | SEPA XML pain.001/pain.008, Norma 19 |
| Openbank | OPENESMM |
0073 |
14:30 | SEPA XML pain.001/pain.008, Norma 19 |
| Banca March | BMARES2M |
0061 |
14:00 | SEPA XML pain.001/pain.008, Norma 19 |
| Imagin | CAIXESBBXXX |
2100 |
— | SEPA XML pain.001 (limitado, particulares) |
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.
Conclusion
Every Spanish bank accepts standard SEPA XML. Practical differences lie in cut-off times, Norma 58 support and digital UX. To generate your file, use GenerateSEPA.
