Guide
Every SEPA debit carries the creditor's identifier. You need your own before you can collect under your name.
| Country | Where to apply | Notes |
|---|---|---|
| Germany | Deutsche Bundesbank (online only) | Gläubiger-Identifikationsnummer; free; for businesses based in Germany |
| Austria | Through your bank | Ask your bank's business team |
| Netherlands | Through your bank | Known as the Incassant ID |
| Finland | Through your bank | Arranged with your SEPA Direct Debit agreement |
A creditor identifier starts with the country code and two check digits, followed by a three-character business code (often “ZZZ”) and a national identifier. A German one has 18 characters, like the Bundesbank's example DE98ZZZ09999999999.
Account
Kalplex