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To learn more about SEPA
The Single Euro Payments Area or SEPA is the area where citizens, companies and other economic participants make and receive payments in euro, whether between or within national boundaries, under the same basic conditions, rights and obligations
What is a SEPA Payment?
The following are the characteristics of a SEPA Payment:

  • payment is in euro;
  • made to and from any account held with a bank located in the SEPA region (whether national or cross-border);
  • contains a valid IBAN (International Bank Account Number);
  • contains a valid BIC (Bank Identifier Code) - no longer required to be provided by the customer;
  • each party to the transaction is charged separately by their respective bank (charges: ‘Shared’);
  • no limit on the value of the payment.
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BOV Pjazza
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Bank of Valletta p.l.c. is a public limited company regulated by the MFSA and is licensed to carry out the business of banking and investment services in terms of the Banking Act (Cap. 371 of the Laws of Malta) and the Investment Services Act (Cap.370. of the Laws of Malta).