Creditor Identifier

Relevant information from EPC knowledge bank



 1 Objective


The objective of this document is to provide basic information to allow Creditor Banks to check on the validity of Creditor Identifiers by providing information on their characteristics per SEPA country. This list is not yet complete, but is being published with available data.  It will be updated as and when more information is provided.

2 Background

The Creditor Identifier (‘CI’) has been created in the SDD Scheme to allow Debtors as well as Debtor Banks to return to the Creditor for Refunds and complaints and to check the existence of a mandate at the EPC262-08 Creditor Identifier Overview v2.22 presentation of a collection by the Creditor. These actions needed a unique identification of Creditors, meaningthat each CI only refers to one Creditor. A single Creditor, however, is free to use more than one CI or only to use one CI for the initiation of collections in all SEPA countries.

Most communities have their own specific procedures for providing a CI to Creditors. No newSEPA procedure has been created, and the SEPA SDD Scheme allows the use of existing national identifiers to build a SEPA wide CI by adding a country code and a check-digit. The CI identifies issuing country by the use of the country code in the CI. This country code has no logical link with any other characteristic of the Creditor’s location or identity. Country specific structures are listed in the tables below. The following is a general structurefor the Creditor Identifier. 

 Creditor Identifier structure:


 Position 1-2 filled with the ISO country code.
 Position 3-4 filled with the check digit according to ISO 7064 Mod 97-10.
 Position 5-7 filled with the Creditor Business Code, if not used then filled with ZZZ.
 Position 8 onwards filled with the country specific part of the identifier being a national identifier of the Creditor, as defined by the National Community. 

 The CI is part of the unique mandate-key composed of the CI and the unique mandate reference. If a Creditor would move his account relation from a bank in one country to a bank in another country, the existing CI should be kept; otherwise all mandates existing in the market would need to be amended through the next collection. . In this case it is important forthe new Creditor Bank to have certainty about the validity of the CI. The new Creditor Bank will need proof or must have a possibility to check that the CI presented by the Creditorisvalid.