Welcome to Pay.UK SEPA IBAN-Only Utility
The SEPA IBAN-Only (SEPAIO) Directory provides Payment Service Providers (PSPs) with a utility for deriving the BIC from the IBAN for SEPA payments in the UK (see free look up utility below). It is the most accurate source of BIC data as it is maintained, validated and updated regularly by participating PSPs. Any changes made by participants are updated daily to the Directory.
Pay.UK owns the Directory that Swift developed and built through its SwiftRef reference data platform. Under the SEPA Regulation (EU) No 260/2012, there is a requirement for PSPs that are currently reachable for euro credit transfers or direct debits to meet the reachability requirements in the Regulation. The Directory helps UK PSPs to comply, by ensuring the correct BIC can be derived from a given GB IBAN.
The data in the Directory is supplied and validated by participant PSPs, and accounts for over 97% of UK SEPA Reachable BICs. A list of the PSPs currently participating in the Directory can be found 这里.
Find out more about becoming a participant PSP or subscribing to use the data by clicking on the links below. Or by emailing SEPAIO_Ops@wearepay.uk.
Find a SEPA BIC from a GB IBAN via free look-up utility
通过英国 IBAN 查询 SEPA BIC
Responses to the look ups can be viewed below
- 输入的 IBAN 有效，系统将返回相应的 SEPA BIC
- 由于 IBAN 格式不正确或缺失信息，输入的 IBAN 无效。出错消息会指明这一点
- 如果提交的 IBAN 非英国、英国皇室属地或直布罗陀的 IBAN，则出错消息会指明这一点
- 如果提交的 IBAN 来自一家非 SEPAIO 目录 参与行 of the SEPAIO directory, the error message will indicate this. It does not mean that the IBAN submitted does not have a corresponding SEPA BIC. It may only mean that the SEPA BIC relates to a PSP that is not included in the Directory
- 如果提交的 IBAN 显示没有 SEPA 的目标 BIC，则消息会清楚指明这一点
Already a SEPA IBAN-Only Directory Participant?
Log in to SWIFTRef and access the SEPAIO data management area.
Becoming a SEPA IBAN-Only Directory Participant
If you are a UK SEPA reachable PSP, or are planning to become SEPA reachable, you should consider participating in the SEPA IBAN-Only Directory
Useful information on joining: click here.
Subscribing to the SEPAIO Directory data for download or API use
The SEPAIO Directory holds over 20,400 Participant PSP SEPA BIC records and can be downloaded as a Directory File (monthly or daily) or can be accessed via API subject to an annual subscription fee
Indicative costs for subscriptions click here.
欲获取如何成为参与 PSP 的更多详情，或进一步了解如何通过订阅使用数据，请联系 SEPAIO_Ops@wearepay.uk
条例背景
With effect from 1st February 2016, Article 5(7) of the SEPA Regulation (EU) No 260/2012 comes into force, ensuring that Eurozone banks and Payment Service Providers (PSPs) are able to process Single Euro Payments Area (SEPA) payments using only a customer's IBAN (International Bank Account Number). Previously, customers were required to also provide the Business Identifier Code (BIC) of the PSP they were intending to pay, in order for their PSP to process the payment.
The European Payments Council's website provides further information regarding the
It also provides external links to each of the SEPA countries' websites, where they provide information relating to SEPA IBAN-Only.
The SEPA IBAN-Only Directory is available to make certain that all Eurozone PSPs (e.g. banks and large corporates initiating payments) have the necessary information to route a SEPA payment correctly to UK beneficiaries.