Submitting address details is only compulsory for credit transfers to, or direct debits from, a SEPA country that is not part of the European Economic Area (EEA). The United Kingdom and Switzerland are two examples.

Credit transfers: 

• The payer’s address details are compulsory: these are your own address details. We will add them automatically. You don’t need to do anything yourself.
• You may provide the recipient’s address details, but this is not compulsory. We advise you not to provide them.

Direct debits:

• If you are debiting an account within a SEPA country, but outside the EEA, you are responsible for entering the address details of the debtor. If you do not do this, the debtor’s bank may reject the direct debit transaction.

Non-SEPA credit transfer files must include the address details of both the payer and the recipient in one or more of the following situations:

• the country where the payer has an account is outside the EEA,
• the country where the recipient has an account is outside the EEA,
• the country of the currency being used for the credit transfer is outside the EEA.

If you are unsure about whether these situations apply, our advice is to enter the address details for all non-SEPA credit transfer files!

You can create SEPA and non-SEPA files yourself. Or you can use an accounting package from a software supplier for this. If you also use the Bookkeeping Connection, the Business Account Payment API or Corporate Payment Services, the files are automatically sent to the bank.

Do you use an accounting package? Then contact your software supplier. They can indicate whether the accounting package meets the new standards and whether adjustments are needed.