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SEPA payments for businesses

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 or via your branch.

Features and benefits of SEPA

- Handelsbanken.se
  • 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, the app or via your branch. You can also ask our Customer Connect team for help when using our digital banking services. 

How to make a SEPA payment



Log in to online banking and follow the prompts from the 'Payments and transfers' menu.

Bank with the percentage


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

Customer Connect

Speak to a member of our Customer Connect team for help when using our digital banking services.

*Payment apply.
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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

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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

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

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

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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’d 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).