Qualitative SEPA indicators per country
Level of preparedness of different stakeholder groups
In order to complement quantitative indicators and to assess SEPA’s preparedness across the transaction chain, the Eurosystem has
developed a set of qualitative indicators, which are updated on a quarterly basis by the national central banks, taking
into account the specificities of the respective country.
Although the qualitative indicators are based on a common approach, they are, primarily, meant to indicate the level of
preparedness of the different stakeholder groups within the respective country and are less of an indication for doing any
cross-referencing between the various individual countries. The Eurosystem performed these qualitative assessments on a
best effort basis. It cannot be excluded that the preparation level of the individual stakeholders diverges from the
general overall assessment. Qualitative assessments cannot be interpreted as engaging the responsibility of competent
authorities designated under Regulation No 260/2012. Non-euro area EU countries participate in this
exercise on a voluntary basis only.
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Preparations completed successfully Preparations in progress and expected to be ready on time Preparations not yet commenced and/or not expected to be ready on time Service offerings not envisaged and/or actively marketed by local PSPs and/or direct debits not used by public administrations
Reference period: Q4 2012, last updated: March 2013
Euro area countries
Austria
- Banks
- SEPA credit transfers:
- SEPA direct debits:
- Big billers
- SEPA credit transfers:
- SEPA direct debits:
- Public administrations
- SEPA credit transfers:
- SEPA direct debits:
More information on SEPA preparedness in this country
Belgium
- Banks
- SEPA credit transfers:
- SEPA direct debits:
- Big billers
- SEPA credit transfers:
- SEPA direct debits:
- Public administrations
- SEPA credit transfers:
- SEPA direct debits:
More information on SEPA preparedness in this country
Cyprus
- Banks
- SEPA credit transfers:
- SEPA direct debits:
- Big billers
- SEPA credit transfers:
- SEPA direct debits:
- Public administrations
- SEPA credit transfers:
- SEPA direct debits:
Estonia
- Banks
- SEPA credit transfers:
- SEPA direct debits:
- Big billers
- SEPA credit transfers:
- SEPA direct debits:
- Public administrations
- SEPA credit transfers:
- SEPA direct debits:
More information on SEPA preparedness in this country
Finland
- Banks
- SEPA credit transfers:
- SEPA direct debits:
- Big billers
- SEPA credit transfers:
- SEPA direct debits:
- Public administrations
- SEPA credit transfers:
- SEPA direct debits:
France
- Banks
- SEPA credit transfers:
- SEPA direct debits:
- Big billers
- SEPA credit transfers:
- SEPA direct debits:
- Public administrations
- SEPA credit transfers:
- SEPA direct debits:
Germany
- Banks
- SEPA credit transfers:
- SEPA direct debits:
- Big billers
- SEPA credit transfers:
- SEPA direct debits:
- Public administrations
- SEPA credit transfers:
- SEPA direct debits:
More information on SEPA preparedness in this country
Greece
- Banks
- SEPA credit transfers:
- SEPA direct debits:
- Big billers
- SEPA credit transfers:
- SEPA direct debits:
- Public administrations
- SEPA credit transfers:
- SEPA direct debits:
Ireland
- Banks
- SEPA credit transfers:
- SEPA direct debits:
- Big billers
- SEPA credit transfers:
- SEPA direct debits:
- Public administrations
- SEPA credit transfers:
- SEPA direct debits:
Italy
- Banks
- SEPA credit transfers:
- SEPA direct debits:
- Big billers
- SEPA credit transfers:
- SEPA direct debits:
- Public administrations
- SEPA credit transfers:
- SEPA direct debits:
Luxembourg
- Banks
- SEPA credit transfers:
- SEPA direct debits:
- Big billers
- SEPA credit transfers:
- SEPA direct debits:
- Public administrations
- SEPA credit transfers:
- SEPA direct debits:
Malta
- Banks
- SEPA credit transfers:
- SEPA direct debits:
- Big billers
- SEPA credit transfers:
- SEPA direct debits:
- Public administrations
- SEPA credit transfers:
- SEPA direct debits:
The Netherlands
- Banks
- SEPA credit transfers:
- SEPA direct debits:
- Big billers
- SEPA credit transfers:
- SEPA direct debits:
- Public administrations
- SEPA credit transfers:
- SEPA direct debits:
More information on SEPA preparedness in this country
Portugal
- Banks
- SEPA credit transfers:
- SEPA direct debits:
- Big billers
- SEPA credit transfers:
- SEPA direct debits:
- Public administrations
- SEPA credit transfers:
- SEPA direct debits:
Slovakia
- Banks
- SEPA credit transfers:
- SEPA direct debits:
- Big billers
- SEPA credit transfers:
- SEPA direct debits:
- Public administrations
- SEPA credit transfers:
- SEPA direct debits:
Slovenia
- Banks
- SEPA credit transfers:
- SEPA direct debits:
- Big billers
- SEPA credit transfers:
- SEPA direct debits:
- Public administrations
- SEPA credit transfers:
- SEPA direct debits:
More information on SEPA preparedness in this country
Spain
- Banks
- SEPA credit transfers:
- SEPA direct debits:
- Big billers
- SEPA credit transfers:
- SEPA direct debits:
- Public administrations
- SEPA credit transfers:
- SEPA direct debits:
More information on SEPA preparedness in this country en, es
EU Member States with currencies other than the euro
Latvia
- Banks
- SEPA credit transfers:
- SEPA direct debits:
- Big billers
- SEPA credit transfers:
- SEPA direct debits:
- Public administrations
- SEPA credit transfers:
- SEPA direct debits:
Poland
- Banks
- SEPA credit transfers:
- SEPA direct debits:
- Big billers
- SEPA credit transfers:
- SEPA direct debits:
- Public administrations
- SEPA credit transfers:
- SEPA direct debits:
More information on SEPA preparedness in this country
Fact sheets on Regulation No 260/2012
National facts related to the end-date regulation
In order to ensure a coordinated, coherent and integrated migration to SEPA credit transfers and direct debits, Regulation No 260/2012 sets common deadlines for the implementation of all requirements. However, as the level of development of credit transfers and direct debits differs from one EU Member State to another, and as there are certain legacy payment services with very specific functionalities in some countries, the regulation allows Member States to apply a few specific transitional arrangements for a limited period of time beyond the common end dates.
In countries with currencies other than the euro, other deadlines and options for transitional arrangements can apply. Country-specific information relating to the transitional arrangements chosen by individual Member States is presented in two tables; one with information on euro area Member States and one with information on non-euro area Member States.
This overview of "national facts" will be updated and completed when new information becomes available.
Euro area countries
EU Member States with currencies other than the euro
