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Big Red Book Accounts v5

Switching to SEPA

The Single European Payments Area (SEPA) is a European initiative to standardize Euro

currency electronic bank payments.

By February 2014 all national payment systems in the SEPA zone will be replaced by SEPA.

With SEPA, payments can be made to any bank in the SEPA zone.

In practice, BIC (Bank Identifier Code) and IBANs (International Bank Account Number) will

now be used to identify a bank account instead of the Sort Code and Bank Account Number

we have used up to now.

Steps for switching to SEPA:

1) Register with your Bank and receive a SEPA Originator Identifier Number (OIN) to use

when creating a SEPA file.

2) Select 'Use SEPA' in Setup / Company Details / Electronic Funds Transfer

3) Update BIC and IBAN Codes for Customers and Suppliers and company bank accounts

being used for SEPA.

We have provided a utility to generate the BIC and IBAN from the Sort Code and Bank

Account number already in use. See Setup: Company Details / Electronic Funds Transfer

4) Generate the SEPA Direct Debit and SEPA Credit Transfer files in the usual way.

5) Submit the generated SEPA files to the bank. This will be different from the National

(Standard 18) Payments System and your bank will advise on how SEPA files are submitted.

Direct Debits

One of the most significant changes is how Direct Debit Mandates are maintained. In the

National Payments system Direct Debit Mandates are kept by the bank, for SEPA they are

retained by you. You must have a system in place to obtain and retain Direct Debit Mandate

Forms, which must have a Unique Mandate Reference (UMR).

The Unique Mandate Reference is included in every SEPA Direct Debit file.

For existing Direct Debit Mandates, a Unique Mandate Reference must be assigned to each

customer by you.

Credit Transfers

One notable change in operation for Credit Transfers is the 'Debit Date' - this is the date that

funds are debited from your account, they will be received in the suppliers account the next

day. In the national payments system funds were debited from you account and credited to

the suppliers accounts on the same day.

For more detailed information on switching to SEPA please contact your bank and see

http://www.readyforsepa.ie/business.html

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