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Uniform European payment system

Within the SEPA (Single Euro Payment Area), all euro payments, i.e. sending money within the SEPA area, and all direct debits across Europe are carried out according to the uniform SEPA payment procedures.

Easy to use

Private customers can send money within the SEPA area 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.

Send money using SEPA transfers

The new instrument for cross-border Euro bank payments 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.

Classical international transfers

Maximum flexibility – worldwide

Sending money to countries outside the SEPA zone is simple and can be done using a conventional international payment (SWIFT payment).

Sending money in a foreign currency

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

Sending money in Euros

Use the international payment service to send money in Euros 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.

Secure banking - international transfers and limit settings

Transfers abroad in online banking are now possible without activation.

Basically, you should keep your limit in online banking very low. If larger expenses are necessary, you can increase your limit here at short notice.

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