Uniform European payment system  

Within the SEPA (Single Euro Payment Area), all euro transfers and direct debits across Europe
are carried out according to the uniform SEPA payment procedures.

Easy to use

Private customers can make SEPA transfers at any time, online, at self-service kiosks and at a branch. To pay with a SEPA direct debit, all you need to do is to provide the payment recipient with a SEPA direct debit mandate.


Benefit from uniform payment standards across Europe.

SEPA transfers

The new instrument for cross-border Euro bank transfers to all SEPA countries.

SEPA direct debit

SEPA direct debits make it easy to pay for transactions by direct debit – both in Germany and any other Eurozone country.

SEPA country list

For a list of all of the countries that are part of the SEPA scheme, please see here.

Classical international transfers

Maximum flexibility – worldwide

International payments outside the SEPA zone can be simply and easily made with a classical international transfer (SWIFT payment).

Foreign currency transfers

This option allows you to transfer money in foreign currencies to any country in the world. To make a foreign currency transfer, simply complete a "International payment order" form either online or using a banking software such as SFirm. 

Euro transfers

Use the international transfer service for your euro transfers to all countries outside the Single Euro Payment Area (SEPA).

To do so, you will need to provide the following information:

  • Surname, first name or company name and address of the payment recipient.
  • Account number or International Bank Account Number (IBAN) of the payment recipient (provided by the payment recipient).
  • International Bank Identifier Code (BIC) of the recipient's bank.
  • Your own IBAN.
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