Transferências - O que são

Intra-bank and interbank transfers

Depending on the location of the payment accounts, transfers can be:

Intra-bank transfers – when carried out between accounts in the same payment service provider;

Interbank transfers – when carried out between accounts opened at different payment service providers. Depending on the location of the providers, they can be:

Internal – when providers are located in the same country;
Cross-border – when providers are located in different countries.

SEPA and non-SEPA transfers

Depending on the payment model used, credit transfers may be:

SEPA (Single Euro Payments Area) transfers – Euro credit transfers through harmonised systems in the SEPA area; these systems allow these operations to be carried out under the same rules, in a quicker and transparent manner;

Non-SEPA transfers – credit transfers made through non-harmonised systems, where the payer’s customer service provider, the beneficiary or both are not based in the SEPA area, or transfers which are made in a currency other than the euro, even when performed between payment service providers that are part of the SEPA area.

The SEPA payment template allows any customer (individual persons, companies and public administration bodies) located in the SEPA area to issue and receive credit transfers in euros through a single account and according to the same rules.

Payment service users should use the IBAN (international bank account number) as the identifier of payment accounts. Should the payers not be consumers or micro-enterprises, the ISO 20022 XML message format must be used when communicating with payment service providers to send bundled transfers.

The countries that make up the SEPA area are:

the 28 European Union Member States – Austria, Belgium, Bulgaria, Cyprus, Croatia, the Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Ireland, Italy, Latvia, Lithuania, Luxembourg, Malta, the Netherlands, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden and the United Kingdom;

Iceland, Liechtenstein and Norway (countries which, along with the aforementioned, constitute the European Economic Area);

Monaco, San Marino and Switzerland.

CONSULT HERE ALL SERVICES

Transferências - O que são

Intra-bank and interbank transfers

SEPA and non-SEPA transfers