Banks in the UK and SEPA: quick comparison
The 8 most relevant banks in the UK for sending or receiving SEPA files, with BIC, Sort code, commercial cut-off and accepted formats.
Comparison table
| Bank | BIC | Sort code | SCT cut-off | Main formats |
|---|---|---|---|---|
| Barclays | BARCGB22 |
20-XX-XX |
15:00 GMT | SEPA XML pain.001/pain.008 (EUR), Faster Payments (GBP) |
| HSBC UK | HBUKGB4B |
40-XX-XX |
15:30 GMT | SEPA XML pain.001/pain.008 (EUR), Faster Payments (GBP) |
| Lloyds Bank | LOYDGB2L |
30-XX-XX |
14:30 GMT | SEPA XML pain.001/pain.008 (EUR), Faster Payments (GBP) |
| NatWest | NWBKGB2L |
60-XX-XX |
15:00 GMT | SEPA XML pain.001/pain.008 (EUR), Faster Payments (GBP) |
| Santander UK | ABBYGB2L |
09-XX-XX |
14:00 GMT | SEPA XML pain.001/pain.008 (EUR), Faster Payments (GBP) |
| Revolut Business | REVOGB21 |
04-XX-XX |
Instant (SCT Inst 24/7) | SEPA XML pain.001/pain.008 (EUR), SEPA Instant |
| Monzo Business | MONZGB2L |
04-00-04 |
Faster Payments 24/7 | Faster Payments (GBP), SEPA via partner integrations |
| Starling Bank | SRLGGB3L |
60-83-XX |
Faster Payments 24/7 | Faster Payments (GBP), SEPA XML pain.001 (EUR account) |
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.
