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Bulk Payment Files
SEPA (Single Euro Payments Area) is an EU initiative, which has standardised the way electronic payments are made and processed within Europe.
SEPA Direct Debit File Submitters
We are making a number of changes to SEPA Direct Debits which may impact the way you reconcile your accounts. Click here to find out more on all changes.
SEPA Single Euro Payments Area) is a European Union initiative, which came into full effect in Ireland on 31st March 2014. SEPA has created a cohesive internal market for all electronic euro payments within Europe, by standardising the way electronic payments are made and processed throughout the 34-country SEPA zone.
SEPA Direct Debits
A SEPA Direct Debit (SDD) is a payments facility, which allows for the collection of funds between a debtor (Payer) and a creditor (Payee). The SDD Scheme allows you to collect direct debit payments across all 34 SEPA countries. Find out more.
SEPA Credit Transfers
A SEPA Credit Transfer is a non-urgent euro payment debiting a euro account and crediting another euro account in the SEPA zone using a BIC & IBAN and a uniform set of standards, rules and conditions.
iBusiness Banking (iBB) Enhancements
Read about our SEPA Payment File Service on iBB and other enhancements we have made.
Useful Business Guides
General (Please click to expand.)Payment Files User Guide
AIB's guide for using Payment Files functionality on iBusiness Banking (iBB).Format: PDF File size: 3.7MNon SEPA Reachable Rationalised Branches Guide
Guidance on AIB and some non-AIB branches in Ireland, which were rationalised/consolidated and hence are not SEPA reachable.Format: PDF File size: 392.7KSEPA iBB Reconciliation Guide
AIB's guide for reconciling SEPA transactionsFormat: PDF File size: 4.7M
The below documents are to be referred to if your OINs have been moved to the new payments system.
SEPA Direct Debit Guides from September 2019Payment Files User Guide
AIB's guide for using Payment Files functionality on iBusiness Banking (iBB).Format: PDF File size: 1.5MSEPA iBB Reconciliation Guide
AIB’s guide to SEPA Direct Debit and Credit Transfer payment timelines for Originators.Format: PDF File size: 422.9K
- Business and Consumer information on SEPA published by the Central Bank of Ireland
- Information on SEPA issued by the European Commission
- Information on SEPA Direct Debits from the European Payments Council
- BIC Codes can be verified on the following website
- Information published by Banking & Payments Federation Ireland