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SEPA: A review from A to SEPA Your payment transactions – Now and in the future
SEPA:A review from A to SEPA
Your payment transactions – Now and in the future
SEPA – Single Euro Payments AreaThe migration period for the payment transaction systems that were in effect to date for mass payments transacted in EUR will end on 31/01/2014 for all European countries in which the euro is the official cur-rency (in 2016, this will also apply to non-euro countries).
For us in Germany, and in particular for companies, this means that • You can no longer submit files for transfers and direct debits in the DTA data media exchange format;
the only files that will be accepted after the migration end date are XML format files,• You will need both the IBAN and BIC when making payments in EUR,• You will be able to use debit notes only in combination with the new SEPA process• … etc.
We have compiled the following directive to guide you through the migration of your payment trans-action processes. Simply choose the topics that are relevant to your situation and use the links to view the specifics and detailed information. Once you have selected the topics, you can use your results as a checklist.
ContentsStep 1 Identification of the affected EUR payment transactions . . . . . . . . . . . . . . . . . . . . . . . . 4
Step 2 Identification of the affected units and interfaces . . . . . . . . . . . . . . . . . . . . . . . . . . . . 6
Step 3 Implementation of changes that are not product dependent (organisational) . . . . . . . . . . . . 8
Step 4 Implementation of changes that affect multiple products (technical) . . . . . . . . . . . . . . . . 10
Step 5 Implementation credit transfer. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 12
Step 6 Implementation direct debit . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .14
Step 7 Migration to new account information . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 18
Step 8 Obtaining assistance and services from UniCredit related to your SEPA migration . . . . . . . . . 20
Order types for your electronic access . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 22
Notes & Imprint. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 23
Step 1Identification of the affected EUR payment transactions (other currencies will be processed in the same manner as in the past)
F Credit Transfers
F Direct Debits
F Other payment transactions
F Card payments
F Cross border transfers (DTAZV) within the SEPA region
F Cross border transfers within SEPA region – paper based
F Domestic transfers Germany (DTA)
F Domestic transfers Germany– paper based
F Cross border transfers (DTAZV) into countries other than the 32 SEPA countries
F Cross border transfers into countries other than the 32 SEPA countries – paper based
F Domestic direct debit authorisations Germany (DTA); “Einzugs ermächtigungsverfahren”
F Domestic direct debit authorisations Germany – paper based; “Einzugsermächtigungsverfahren”
F Domestic direct debit pre-authorised Germany (DTA); “Abbuchungsverfahren”
F Domestic direct debit pre-authorised Germany – paper based; “Abbuchungsverfahren”
F Checks to be issued and deposited for collection
F Bills of exchange and bills of exchange presentment for collection
F Cash
F Urgent payments within Germany (DTE)
F Electronic direct debits (ELV)
F EC Cash/PoS
F Credit card payments
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F Credit Transfers
F Direct Debits
F Other payment transactions
F Card payments
All subsequent steps should be reviewed
Continue to Step 3
All subsequent steps should be reviewed
Continue to Step 3
All subsequent steps should be reviewed
All subsequent steps should be reviewed
In the future as SEPA Credit Transfers with IBAN and BIC in XML format*Use of new templates/forms
In the future as SEPA Credit Transfers with IBAN and BIC in XML format*Use of new templates/forms; only electronic transmission will be possible for bulk credit transfersNo changes
No changes
In the future as SEPA Core Direct Debit with IBAN and BIC in XML format*No longer possible; only electronic transmission will be pos-sible in the future under SEPAIn the future as SEPA B2B Direct Debit with IBAN and BIC in XML format*No longer possible; only electronic transmission will be pos-sible in the future under SEPA
No changes
No changes
No changes
No changes;however, UniCredit’s optional process can be usedUpon request, you can initiate urgent payments to accounts in Germany or cross border payments with us in the XML format
No changes for the time being through 2016
No changes for the time being (new formats as of 2015)
No changes
* Transfers and direct debits can be conducted using the same process for domestic and for cross border transactions with beneficiaries in the SEPA region (Belgium, Bulgaria, Denmark, Germany, Estonia, Finland, France, Greece, Great Britain/Northern Ireland, Ireland, Italy, Latvia, Lithuania, Luxembourg, Malta, Netherlands, Austria, Poland, Portugal, Romania, Sweden, Slovakia, Slovenia, Spain, Czech Republic, Hungary, Cyprus as well as Switzerland and Monaco and the EEA countries Iceland, Liechtenstein and Norway).
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Step 2 Identification of the affected units and interfacesTo make sure that everything and everyone involved in payment transaction is accounted for, it is imperative to identify the affected units and interfaces as part of the first step of setting goals.
F Business areas
Master data: Account numbers, bank routing codes
F Conversion to IBAN and BIC
F Contracts/ General Terms and Conditions
Other print media F Add IBAN and BIC
F Company presentations containing account information/ payment information to be updated
F Affected systems and interfaces
F Accounts payables and payables accounting
F Accounts receivables and receivables accounting
F Human resources
F Administration
F Purchasing
F Sales and marketing
F ERP system F Banking/treasury software F Human resource management systems F Merchandise management/customer management systems F Databases F
F Update payment terms
F Business documents F Invoices F Payment slips/transfer forms F Correspondence, e. g. payment reminder notices F Payroll statements F Brochures/catalogues/receipts for donations F
F Intranet F Internet F Apps F
F ERP System F Banking/treasury software F Human resource management systems F Merchandise management/customer management systems F
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Outgoing payment transactionsIncoming payment transactionsOutgoing payment transactionsIncoming payment transactionsPayrollEmployee savings plans*Social security contributionsPension paymentsOutgoing payment transactionsIncoming payment transactionsOutgoing payment transactionsIncoming payment transactionsOutgoing payment transactionsIncoming payment transactions
Continue to Steps 3 and 4
Continue to Step 3
Continue to Step 3
Continue to Step 4
* Make certain that the target bank is SEPA capable (see also Step 3)
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Step 3Implementation of changes that are not product dependent (organisational)
Master data: Account numbers, bank routing codes
F Conversion to IBAN and BIC
F Print media
F Training/information
F Optional verification of existing bank connections
F Payments subject to mandatory reporting pursuant to German foreign trade regulations (Außenwirtschafts-verordnung = AWV)
F Conversion account number/bank routing code in IBAN/BIC F Validation of existing IBAN/BIC
F Payment slips and transfer forms F Supplement IBAN/BIC
F Direct debit authorisations = mandates
F Business documents/payroll statements/invoices F
F Correspondence/brochures F
F Employees F Customers
F Find out which products and services are currently being offered by the banks you do business with on a regular basis
F Identification of unused accounts F Centralisation of the payment transactions
F Amendment of reporting requirements for export transactions § 59 et seq. AWV for payments made by and to parties in foreign jurisdictions
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Obtain information from the IBAN Service Portal at the Bank-verlag for Germany (file format): www.iban-service-portal.de (contact your UniCredit consultant for your password)IBAN conversion service for UniCredit (file format): Excel/CVS/TXT with fixed field lengths (contact your UniCredit consultant for details)
Guidelines for uniform payment transaction forms1
In our brochure Customer Information SEPA in the chapters Sample Form for the SEPA Direct Debit Mandate and Sample Forms for SEPA Business Direct Debit Mandates
1 www.die-deutsche-kreditwirtschaft.de2 www.bundesbank.de
Continue to Step 4
Reliable options:Ask creditorsTake information from invoicesObtain information from the IBAN Service Portal at the Bankverlag for Germany (file format)IBAN conversion service for UniCredit (file format)
Adaptation or use of the new forms in compliance with the in-structions “Uniform Payment Transaction Forms for the Credit Industry” (= Die einheitlichen Zahlungsverkehrsvordrucke des Kreditgewerbes). Note: You can also find your IBAN and BIC on your account statement
Mandates for one-time or recurring direct debits: Core Direct Debit/Direct DebitB2B Direct Debit/Direct DebitInclude in print IBAN/BIC: when issuing direct debit invoices include reference to creditor ID and mandate reference as well as, if applicable the debit date if used for the purpose of pre-notificationMake reference to IBAN/BIC:Include information about the new SEPA products/processesProvide payment explanations/direct debits
New payment transaction productsNew processes (direct debit)IBAN/BIC use
Clarify with the financial service provider whether all products/services are being offered. Use the BIC to clarify to what extent the financial service provider is SEPA compatible. Additional information can be found in our brochure Customer Information SEPA in the chapter Overview SEPA RegionClose accounts that are not in use to prevent additional migra-tion expenditures; check whether EUR payment transactions should be relocated/consolidated given the requirement of uniform terms and general legal conditions (reduction of the migration expenditures and ongoing costs)
Direct report (cannot be filed through banks any longer) using report form Z4 to the German Federal Bank2
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Step 4Implementation of changes that affect multiple products (technical)
System changes in F ERP systems F Treasury software F Customer management systems F Human resource/ merchandise management systems
F
F Update eBanking software solutions or UniCredit eBanking portals
F Transmit payment orders through physical media (disk/tape/cassette)
F eBanking via EBICS/FTAM communication using compatible software: bank access
F Implement IBAN/BIC in the systems
F Create payment transaction files in the XML format
F Reference numbers in order processing and/or the data batch
F Concerns or groups of companies with Payment Factories and/or central payment transaction processing; payments/direct debits for credit/debit to third parties (on behalf of)
F Use of remittance information with more than 140 characters (to date 378) F Use of special symbols/silent vowels (umlauts)
F Use of special posting instructions or instructions to the bank
F Internet banking/HVB Direct B@nking
F HVB eFIN
F HVB globalTRXnet
F UC eBanking prime and NEW eBANKING
F MultiCash
F This form of submission will be deactivated at UniCredit once SEPA is implemented
F Addition of SEPA order types for users to eBanking access at banks IMPORTANT: UniCredit has already made this update on your behalf and you will not have to take any further action
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Check with every bank whether and how these formats will be accepted. UniCredit does offer the complete service packageOptional verification of reference fields/numbers in in-house systems. A list of all references can be found in our brochure Annex to SEPA Customer Information in the chapter Reference Numbers and How to Use Them
In addition to the data batch field Purpose it is also possible to use respective Ultimate fields2
For additional information please refer to brochure Annex to SEPA Customer Information in the chapter Characters and UmlautsPossible Purpose Codes are listed in our brochure Annex to SEPA Customer Information in the chapter Payment purpose/Purpose Code
Please download our latest version via the update function
If necessary, please contact your Cash Management Specialist/ConsultantIf necessary, please contact your Cash Management Specialist/ConsultantIf necessary, please contact your Cash Management Specialist/Consultant
For more information, please contact your UniCredit Consultant
Change account number/bank routing code to IBAN/BIC Insert additional fields for IBAN/BICUpload the completed/converted master data
National per country: standard Germany: DK format (DFÜ agreement – Annex 31)Global formats: for large groups doing business internationally • EPC• CGINew reference number fields in the SEPA data batch, e. g. clear end-to-end reference for order matching
Payer/debtor and beneficiary of payments may differ in a single payment transaction
Abbreviate the remittance information to 140 charactersExclusive use of symbols from the UTF-8 symbols batch
In the future, use field Purpose Code in the credit transfer data batch or direct debit
We will make updates on your behalf automatically
We recommend the use of Version 4.0.6.0 for the impending SEPA processesWe recommend the use of Version 4.4 and higher for the impending SEPA processesWe recommend the use of Version 4.1 and higher for the impending SEPA processesSEPA processes have been available since Version 3.21. Recommendation: use Version 3.22 and higher
Migration to remote data transfer with electronic signature using an eBanking software (see http://ebanking.unicreditgroup.de)
UniCredit has already made this update on your behalf ac-cording to the rules on page 22.
1 www.ebics.de/index.php?id=772 Information excerpted from our brochure Annex to SEPA
Customer Information in the chapter Ultimate/Reference Party/On Behalf
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Step 5Implementation credit transfer
F Transfers with special text codes, e. g. wages/salaries, employee savings plans (VL)
F Recurring orders with banks
F In the future, use field Purpose Code in the credit transfer data batch
F Find out which updates you will have to make to your recurring orders with banks in terms of IBAN/BIC
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The possible Purpose Codes can be found in our brochure Annex to SEPA Customer Information in the chapter Purpose Code
UniCredit will implement the changes automatically; if necessary, clarify situation with other banks
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Step 6Implementation direct debit
F Creditor ID for the party submitting the direct debit
F Make a new agreement on the collection of direct debits with the submitting bank
F Obtain new SEPA mandates or combination mandates (for old pro-cesses and the SEPA process)
F Management of SEPA mandates
F Pre-notification prior to collection
F Direct debit/submission
F Observation of the respective submission bank’s cut-off times
F Returned direct debits
F Every business that intends to collect direct debits will have to obtain a creditor ID, which is assigned by the German Federal Bank (applies to companies domiciled in Germany)
F Companies that are domiciled abroad will have to apply for their creditor IDs in their respective country of domicile
F Every business that intends to collect direct debits will have to enter into an up-to-date “Agreement for the Collection of Receivables through Direct Debits” with its bank through which the direct debits will be collected
F Core Direct Debit: information regarding mandate arrangements and components can be found in our brochure Customer Information SEPA in the chapter The Mandate
F Company Direct Debit/B2B Direct Debit: information regarding mandate arrangements and components can be found in our brochure Customer Information SEPA in the chapter The Mandate
F As of a certain size, mandate management is required for the compilation, use and archiving of mandates
F At least 14 days prior to the due date or in compliance with the individual agreement on due dates with the debtor (must be prior to the due date), information is to be sent to the debtor on the amount and day payment is due. Also recommended: Creditor ID and mandate reference
F The data batch must contain all required mandate and collection data
F The correct sequence type (e. g. subsequent direct debit) and due date must be included
F For an overview of UniCredit cut-off times please visit http://ebanking.unicreditgroup.de
F Depending on the type of debit note, returns may take 2 days, up to 8 weeks (objection) or 13 months (in the event of unauthorised direct debits)
F Electronic further processing of returns requirements
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Mandate management information is available at www.hvb.de/sepa
Must be generated and sent e.g. through a mandate management or financial accounting system. For more information, please consult our brochure Customer Informa-tion SEPA in the chapter Pre-Notification & Creditor Identifi-cation Number
See information in our brochure Annex to SEPA Customer Information in the chapter Payment Status Report/pain.002-SEPA Direct Debit
Apply for this number with the German Federal Bank (https://extranet.bundesbank.de/scp/) and forward your creditor ID to your bank
To make arrangements, please contact your responsible Consultant
Archive the new mandate e. g. with a mandate management system (continue to Management of SEPA Mandates)
Archive the new mandate e. g. with a mandate management system (continue to Management of SEPA Mandates)
Examples of the management system requirements:• Mandate generation/procurement/amendment • Assignment mandate reference • Sequence determination • Use of data in collections • Determination of the due date• Mandate status • Expiration after 36 months if not used • Archive for mandate requests • Status updates for returns
The format and transmission channel optional (e. g. invoice sent via e-mail)
For details regarding the data batch content, please consult our brochure Annex to SEPA Customer Information in the chapter SEPA Direct DebitAn overview of the sequence types and due date limits can be found in our brochure Annex to SEPA Customer Informa-tion in the chapter Direct Debit Sequence
The mandate status and sequences must be updated for mandate managementThe return handling processes, collection notices and other collection processes have to be adaptedUse of the electronically accessible return information as a so-called pain.002 (file)
In conjunction with SEPA, the direct debit related processes will change fundamentally. In order to be able to initiate direct debits, you will need a unique creditor identification number from the German Federal Bank and a mandate from the debtor. Mandates contain a lot more information than the current direct debits do (including a clear mandate reference). Before you initiate direct debits, you will have to inform the debtor by sending a pre-notification. The direct debit as such will no longer be due upon presentation. Instead, you will have to observe specific preliminary periods that apply to a fixed due date depending on the type of direct debit and sequence. Given the above, your debtor mandates will have to be managed in a structured manner.
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Step 6aMigration/implementation of the basic SEPA Direct Debit/Core Direct Debit (similar to the current direct debit authorisation process; “Einzugsermächtigungsverfahren”)
F Debtor’s direct debit authorisation on hand
F It is not mandatory to obtain a new SEPA mandate. A migration of the existing direct debit authorisation is possible
In the case of a first time direct debit, the SEPA Core Direct Debit must be presented to the bank of the debtor no later than 5 days prior to the due date; in the case of a subsequent direct debit, 2 days prior to the due date (presentation deadline). To ensure this, the direct debit must be submitted to the executing bank in due time. Financial service providers have to be available for this process. Please make sure you always comply with the cut-off times for submissions (www.hvb.de/cutoff).
Step 6bMigration/implementation of the SEPA Business Direct Debit – direct debit B2B(similar to the current direct debit authorisation process)
F Direct debit orders from the debtor are on hand
F Obtaining SEPA business direct mandates
F Obtaining of a SEPA mandate is mandatory (migration is not possible)
F In this case, one additional point to observe is that the debtor must provide the creditor with the original and must also archive a copy of the former with the latter’s debtor bank for the verification of direct debits
Unlike the direct debit, the SEPA B2B or Business Direct Debit is permitted only between non-consumers. The presentation period for the initial and subsequent direct debit is generally one day. Financial service providers have the option to be available for this service. We recom-mend you check first whether the debtor’s bank has in fact implemented this process. Returns based on objections within 8 weeks are not possible. The mandate must be archived with the bank of the debtor, which will conduct a verification in conjunction with each direct debit. Please make sure you always comply with the cut-off times for submissions (www.hvb.de/cutoff).
Step 6cImplementation COR1 Direct Debit/direct debit with shorter preliminary periods (cross border use currently limited)
The presentation period for the initial and subsequent direct debit is generally one day. Financial service providers have the option to be available for this service. General availability of this service through financial service providers in Germany is scheduled for November 2013. Other SEPA countries do not offer a full coverage so far. However, it is necessary to verify whether the bank of the Debtor has implemented this process.. Given this situation, we absolutely recommend the implementation of the SEPA basic direct debit core DD. With the exception of the due date differences, the processes to be observed are identical with the core direct debit. Please make sure you always comply with the submission cut-off times (www.hvb.de/cutoff).16
The notification is archived along with the existing direct debit authorisation
Written information (format and communications channel at your discretion) sent to the debtor, which includes your credi-tor ID, the new mandate reference and the time of migration/ first direct debit. In this case, the date of notification will subsequently be considered the mandate execution date
Continue to Obtaining SEPA Business Direct Debit Mandates
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Step 7Migration to new account informationThe electronic account statement formats in use to date will remain the same.
F Hard copy account statements (also applies to print-outs from UniCredit eBanking software)
F Use of the MT940 (STA) account statement to date
F Use of advices MT942 (VMK) to date
F Use of DTI (file for the dissolutions of bulk payment in the account statement) to date
F Planning for the use of new account statement formats in the XML format for so-called camt (without media breaks and with complete XLM structure)
F Planning for the use of error information in the XML format for cancelled/returned orders
F We will update the changes automatically
F Changes to the contents of the fields that are of relevance for the elec-tronic further processing of the statements
F Changes to the contents of the fields that are of relevance for the elec-tronic further processing of the advices
F Changes to the contents of the fields that are of relevance for the elec-tronic further processing of the DTI file
F Alternative or supplementary use of the camt account statement formats
F Alternative or supplementary use of the pain.002 payment status reports possible
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New SEPA business transaction codesNew completion structure field 86 for SEPA transactionsNew completion structure field 61 for SEPA transactions
Same as MT940 (STA) account statement
To obtain information on new field entries for SEPA trans-actions, please contact your Cash Management Consultant
camt.053 account statement (in ref. to MT940)camt.052 advice (in ref. to MT942)camt.054 collector information (in ref. to DTI)
Information on the pain.002 payment status report can be found in our brochureAnnex to SEPA Customer Information in the chaptersPayment Status Report/pain.002-SEPA Credit Transfer and Payment Status Report/pain.002-SEPA Direct Debit
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1 See brochure Annex to SEPA Customer Information in the chapter Reporting (Bank-Customer)
Information can be found in our brochure Annex to SEPA Customer Information in the chapter Electronic Account Statement MT940
Find more information on camt.0531
Find more information on camt.0521
Find more information on camt.0541
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Step 8Obtaining assistance and services from UniCredit in conjunction with your SEPA migration Do you want to reduce the workload that has to be handled in conjunction with your migration? No prob-lem. We offer a wide variety of services to assist you with the transition of your payment transactions to the SEPA process. In order to give you a first impression of the options available, simply review the list below to determine whether the following issues are of relevance to you:
Contact your Cash Management & eBanking Consultant or send an e-mail to [email protected]
How can I check whether I have correctly completed the migration to the new payment transaction file formats?We offer a test processing service for your files that will deliver detailed test results.
How can I reliably obtain the IBANs and BICs for my master data in Germany without encountering a lot of obstacles?Access our IBAN Service Portal or identification service for UniCredit accounts.
If I submit a SEPA format, how do I avert the need to con-duct preliminary checks to determine whether a benefi-ciary bank is SEPA-enabled before I initiate a transfer?If a bank is not SEPA enabled, we will automatically convert your SEPA submission into a payment format the bank can accept.
How can I work around the requirement to constantly im-plement the latest SEPA format in my systems?In the German customer-bank format, UniCredit accepts all versions on behalf of you (you may have to check how other banks handle this).
A migration of DTE payments is not required: how can I nonetheless migrate my urgent payments (e. g. DTE) to the XML format now?Use our urgent XML payments using eBanking order type CCU, which will arrive at the beneficiary’s end on the same day.
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Contact your Cash Management & eBanking Consultant or send an e-mail to [email protected]
How can I obtain complete, electronic and XML-based account information from the SEPA payment transaction system and make sure that the information is not delivered in an unstructured or cut off fashion?Use our complete camt account statement service in the XML format (which is also available as a parallel service to the old account statement service) for account statements, advices and consolidated postings (DTI).
How can I convert my DTA format payment transaction file into the SEPA XML format? In order to convert files that are in the current DTA format with account number and bank routing code into SEPA XML files with BIC and IBAN, use one of our eBanking products or our mandate management system.
How can we use a mandate management system that• Migrates direct debit authorisations• Archives mandates• Administrates mandates• Offers reports and statistics• Generates SEPA-DD files• Converts and enriches DTA files• Generates mandates and tracks statuses • Processes return information• Permits links with and without an ERP system and does it
all without complications?Use our mandate management, which offers you all required functions for mandates, direct debits and pre-notifications as an Internet portal solution. There is no need to install anything onto your systems and if necessary, you can link it to your ERP systems.
The above list covers just a few of the issues we offer solutions for. We will be pleased to provide custom advice. Simply contact your Cash Management & eBanking Consultant. We are looking forward to assisting you as your SEPA partner.
Your UniCredit Team
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Order types for your electronic accessYour electronic access of your UniCredit Bank AG accounts is already prepared for SEPA. In accordance with the existing authorisations, the users (user IDs) already in place have been assigned the following additional order types automatically or by your order.
Automatic assignment of order type as of end of October 2013 (if not already existing):previous or-der type(s)*
description additional SEPA order type(s)*
SEPA description
AZV Foreign payments > CCC, CCT Customer Credit Container, transfer
IZV Domestic payments > CCC, CCT CDC, CDD
Customer Credit Container, transfer Direct Debit Core Container, Basislastschrift
IZL Domestic payments – only debits > CDC, CDD Direct Debit Core Container, Basislastschrift
IZG Domestic payments – without payment details
> XCT Credit transfer without payment details
CDD SEPA Direct Debit Core > CD1 SEPA Core Direct Debit COR1
CDC / CDD SEPA Direct Debit Core (Container) / SEPA Direct Debit Core
> CDB / C2C SEPA Direct Debit B2B / Container (only for corporates)
CDC SEPA Direct Debit Core (Container) > C1C** SEPA Core Direct Debit COR1 Container
DTE Express Domestic payments (IZV format DTAUS0)
> CCU** XML Euro urgent payment
PTK Customer protocol retrieval > HAC Customer protocol retrieval XML format
* The users will be able to use the new SEPA order types according to their existing signature class(es).** These order types will be actively usable for all banks as of November 2013.
Please note when using the SEPA Direct Debit:Before submitting your first SEPA Direct Debit, please note that there are additional requirements such as forwarding your Creditor Identifier to UniCredit Bank AG. Furthermore, we also offer the SEPA Direct Debit B2B for non-consumers.
Your Cash Management & eBanking Specialist will assist you, if necessary.
An overview of all current order types as well as additional general information can be found atwww.hilfe.hvb.de (note: Switch to “Englisch”).
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Imprint
UniCredit Bank AGGlobal Transaction BankingAm Tucherpark 180538 Mü[email protected]
As of: October 2013
For Notes
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SEPA does not come somewhere down the road.
Better start now!As of 01/02/2014, both domestic and cross border payment transactions in EURO will make the mandatory and final switch to SEPA. So let us address this subject now so that you are ready to go when the time comes. We will assist you and our experts are here to help. Contact us today!www.hvb.de/[email protected]
