SEPA (Single Euro Payments Area)

On 5 March 2019, the credit institutions of the Principality of Andorra, Andbank, MoraBanc, Crèdit Andorrà, BancSabadell d’Andorra and Vall Banc, adhered to SEPA following accession by Andorra on 1 March 2019.



Download Format SEPA Clients Transferències


Download  Format SEPA Clients Domiciliacions Bancàries (pain.008.001.02)

Download  Format SEPA Domiciliacions Bancàries Reject (pain.002.001.03)

Motius SEPA segons especificat al Rulebook

The Single Euro Payments Area (SEPA) was created within the European Community to facilitate payments in euros across a supranational geographical area. It is an area in which citizens, businesses and other economic agents can make and receive payments in euros within Europe, inside and outside national borders, under the same conditions and with the same rights and obligations, regardless of where they are located.

SEPA is the European payment system based on common instruments, standards, procedures and infrastructure. In this harmonised scenario, no technical distinctions are made between domestic and international payments, all of which are processed with the same ease, speed, security and efficiency.

Three instruments fall within its most immediate scope: transfers, Direct Debits and instant payments.

From that moment onwards, Andorran banks were able to send and receive transfers under SEPA schemes (SEPA Credit Transfer – SCT).

Pursuant to the Andorran legal framework, Andorran banks adhered to the SEPA direct debit scheme in the second quarter of 2021, allowing direct debits between Andorran companies or individuals and Andorran or EU banks, and direct debits between EU companies and individuals and Andorran banks.

With the inclusion of Andorra, the geographical scope of SEPA schemes now extends to 36 countries; the 27 Member States of the European Union plus Great Britain, Iceland, Norway, Liechtenstein, Switzerland, Monaco, San Marino, Vatican City and the Principality of Andorra.

Download the presentation concerning the operational changes of direct debits:

SEPA-Domiciliacions bancaries Febrer 2021

Watch webinar:

For more information see:
European Central Bank
European Payments Council