SEPA

Make and receive euro payments

What is SEPA?

The SEPA (Single Euro Payment Area) covers over 30 countries including European Union member states, Iceland, Liechtenstein, Norway, Monaco, San Marino, Switzerland and the United Kingdom.

You can make a single one-off euro payment, or set up a regular Direct Debit. You can make payments through online banking, the app, your branch or over the phone.

Features and benefits of SEPA

Send and receive euro payments to over 30 European countries
Set up a Direct Debit for regular euro payments
Make single one-off euro payments without the costs of Swift
You can make payments using online banking or the app. You can also ask your branch or our Customer Connect team

How to make a SEPA payment

Online

Ways to bank

Branch

Make payments through your branch by contacting your account manager*.

Find your local branch

Customer Connect

Speak to a member of our Customer Connect team for help making payments*.

Telephone banking

*Payment

cut-off times

apply.

To make a SEPA payment, we’ll need to know your payee’s:

Full name (or company name) and address
IBAN (International Bank Account Number) or account number
Name and address of the payee’s bank, including their bank’s Swift/BIC (Bank Identifier Code) code

How to receive a SEPA payment

To receive a SEPA payment, you should give your payer:

Your full name (or company name) and address
Your account’s IBAN instead of your usual account number. You can find your IBAN on your bank statements
Handelsbanken’s Swift/BIC code is HANDGB22

Restricted countries

There are certain countries that payments can't be made to or received from. Please click on the link below to find out more.

Restricted countries

Need to get started with online banking? Don’t have our app?

Managing your account digitally means you can take full advantage of Swift payments amongst other benefits; it's easy to use and secure.

Contact your branch if you would like to get set up for online banking.

Any questions?

If you have any other queries not covered here about SEPA, contact your account manager or call our Customer Connect team on 0800 470 8000 (outside the UK: +44 20 7578 8247).