SEPAátutalások

SEPA átutalások, or SEPA transfers, are a key component of the Single Euro Payments Area (SEPA). This initiative aims to simplify and standardize euro-denominated payments across a large number of European countries, making cross-border transactions as easy and affordable as domestic ones. SEPA transfers enable individuals and businesses to send and receive funds in euros within the SEPA zone using a single bank account and a standardized set of payment instructions.

The core principles of SEPA transfers include the use of the International Bank Account Number (IBAN) for identifying accounts and the Bank Identifier Code (BIC) or ISO 9362 code for identifying banks. This standardization ensures that payment details are recognized and processed uniformly across all participating countries. SEPA transfers can be initiated by individuals (credit transfers) and by businesses (direct debits), offering flexibility for various payment needs. The processing times for SEPA transfers are generally within one business day for credit transfers, although variations can occur.

SEPA encompasses all EU member states, plus Iceland, Liechtenstein, Norway, Switzerland, and the United Kingdom. The introduction of SEPA transfers has significantly reduced the complexity and cost associated with euro payments, fostering greater economic integration within the European region.