SEPA Instant banks in Spain
Institutions in Spain registered for SEPA Instant according to the official EPC register, with BIC and joining date.
Spain is in the euro area. Under Regulation (EU) 2024/886, its banks must be able to receive instant euro transfers since 9 January 2025 and send them since 9 October 2025. Payment and e-money institutions have until 9 April 2027.
| Institution | BIC | City | SEPA Instant |
|---|---|---|---|
| A&G BANCO SAU | AYGBESMMXXX | Madrid | 4 November 2024 |
| ABANCA CORPORACION BANCARIA S.A. | CAGLESMMXXX | LA CORUNA (A CORUNA) | 21 November 2017 |
| ALLFUNDS BANK, S.A.U. | ALLFESMMXXX | Madrid | 6 March 2023 |
| ANDBANK ESPANA BANCA PRIVADA S.A.U. | DEGRESBBXXX | MADRID | 8 October 2024 |
| ARESBANK, S.A. | AREBESMMXXX | MADRID | 5 November 2024 |
| Arquia Bank S.A. | CASDESBBXXX | Madrid | 6 April 2020 |
| BANCA MARCH SA | BMARES2MXXX | PALMA DE MALLORCA | 21 November 2017 |
| BANCA PUEYO, S.A. | BAPUES22XXX | VILLANUEVA DE LA SERENA | 14 July 2020 |
| BANCO ALCALA S.A. | ALCLESMMXXX | MADRID | 2 December 2024 |
| BANCO BILBAO VIZCAYA ARGENTARIA S.A. | BBVAESMMXXX | Bilbao | 21 November 2017 |
| Banco Cetelem SAU | BNPAESM2XXX | MADRID | 14 March 2022 |
| BANCO COOPERATIVO ESPANOL S.A. | BCOEESMMXXX | MADRID | 21 November 2017 |
| BANCO DE CREDITO SOCIAL COOPERATIVO S.A. | BCCAESMMXXX | Almería | 21 November 2017 |
| BANCO DE DEPOSITOS S.A. | BDEPESM1XXX | MADRID | 6 February 2023 |
| BANCO DE LA NACION ARGENTINA, SUCURSAL MADRID | NACNESMMXXX | MADRID | 8 January 2025 |
| BANCO DE SABADELL S.A. | BSABESBBXXX | SABADELL | 21 November 2017 |
| BANCO INVERSIS S.A. | INVLESMMXXX | MADRID | 4 June 2024 |
| BANCO MEDIOLANUM | BFIVESBBXXX | BARCELONA | 21 November 2017 |
| BANCO PICHINCHA ESPANA | PICHESMMXXX | MADRID | 21 November 2017 |
| BANCO SANTANDER S.A. | BSCHESMMXXX | Boadilla del Monte (MADRID) | 21 November 2017 |
| BANK OF AFRICA EUROPE, S.A.U. | BMCEESMMXXX | MADRID | 10 November 2025 |
| BANKINTER S.A. | BKBKESMMXXX | MADRID | 21 November 2017 |
| CACEIS BANK SPAIN SAU | BSSSESM2XXX | Pozuelo de Alarcon | 8 January 2025 |
| CAIXA POPULAR - CAIXA RURAL COOP. CTO. V. | BCOEESMM159 | Paterna | 21 November 2017 |
| CAIXA RURAL ALTEA COOPERATIVA DE CREDIT VALENCIANA | CCRIES2A045 | ALTEA | 21 November 2017 |
| CAIXA RURAL D'ALGEMESI S.COOP.V.DE CREDIT | BCOEESMM117 | ALGEMESI (VALENCIA) | 21 November 2017 |
| CAIXA RURAL DE L'ALCUDIA | BCOEESMM096 | L'ALCUDIA (VALENCIA) | 21 November 2017 |
| CAIXA RURAL DE TURIS | CCRIES2A123 | TURIS | 21 November 2017 |
| CAIXA RURAL GALEGA | BCOEESMM070 | LUGO | 21 November 2017 |
| CAIXA RURAL LA VALL SAN ISIDRO COOP. DE CREDITO V. | BCOEESMM111 | LA VALL D'UIXO (CASTELLON) | 21 November 2017 |
| CAIXA RURAL LES COVES DE VINROMA S. COOP. DE CREDIT V. | BCOEESMM166 | LES COVES DE VINROMA | 21 November 2017 |
| CAIXA RURAL SAN JOSE DE ALCORA | BCOEESMM113 | ALCORA | 21 November 2017 |
| CAIXA RURAL TORRENT | CCRIES2A118 | TORRENT | 21 November 2017 |
| CAIXABANK S.A. | CAIXESBBXXX | VALENCIA | 21 November 2017 |
| CAJA DE AHORROS Y M.P. DE ONTINYENT | CECAESMM045 | Ontinyent | 21 November 2017 |
| CAJA DE CREDITO DE LOS INGENIEROS S. COOP. DE CREDITO | CDENESBBXXX | Barcelona | 21 November 2017 |
| CAJA DE CREDITO DE PETREL CAJA RURAL C.C.V. | CCRIES2A029 | PETRER | 21 November 2017 |
| CAJA LABORAL POPULAR SDAD.COOP. DE CREDITO | CLPEES2MXXX | ARRASATE-MONDRAGON | 21 November 2017 |
| CAJA RURAL 'NUESTRA MADRE DEL SOL' | BCOEESMM115 | ADAMUZ (CORDOBA) | 21 November 2017 |
| CAJA RURAL BENICARLO S.C.C..V. | BCOEESMM162 | BENICARLO | 21 November 2017 |
| CAJA RURAL CATOLICO AGRARIA S.COOP.CTO.V. | CCRIES2A110 | VILA-REAL (CASTELLON) | 21 November 2017 |
| CAJA RURAL CENTRAL S.C.C. | BCOEESMM005 | ORIHUELA | 21 November 2017 |
| CAJA RURAL DE ALBACETE CIUDAD REAL Y CUENCA S.C.C. | BCOEESMM190 | ALBACETE | 21 November 2017 |
| CAJA RURAL DE ALBAL COOP. DE CREDITO V. | BCOEESMM150 | ALBAL | 21 November 2017 |
| CAJA RURAL DE ALGINET SOCIEDAD COOPERATIVA DE CREDITO VALENCIANA | CCRIES2A179 | ALGINET | 21 November 2017 |
| CAJA RURAL DE ALMENDRALEJO SOCIEDAD COOPERATIVA DE CREDITO | CJALESSSXXX | ALMENDRALEJO | 21 November 2017 |
| CAJA RURAL DE ASTURIAS Sdad. Cooperativa de Credito | BCOEESMM059 | OVIEDO | 21 November 2017 |
| CAJA RURAL DE BAENA NTRA. SRA. DE GUADALUPE S.C.C.A. | BCOEESMM089 | BAENA (CORDOBA) | 21 November 2017 |
| CAJA RURAL DE BURGOS FUENTEPELAYO SEGOVIA Y CASTELLDANS S.C.C. | BCOEESMM060 | SEGOVIA | 21 November 2017 |
| CAJA RURAL DE CALLOSA D'EN SARRIA | CCRIES2A105 | CALLOSA DE ENSARRIA | 21 November 2017 |
| CAJA RURAL DE CANETE DE LAS TORRES NTRA. SRA. DEL CAMPO SCAC | BCOEESMM104 | CANETE TORRES (CORDOBA) | 21 November 2017 |
| CAJA RURAL DE CASAS IBANEZ SDAD. COOP. DE CREDITO DE CASTILLA LA MANCHA | BCOEESMM127 | CASAS IBANEZ | 21 November 2017 |
| CAJA RURAL DE CHESTE SOC. COOP. DE CREDITO | CCRIES2A121 | CHESTE (VALENCIA) | 21 November 2017 |
| CAJA RURAL DE EXTREMADURA | BCOEESMM009 | BADAJOZ | 21 November 2017 |
| CAJA RURAL DE GIJON C.C. | BCOEESMM007 | GIJON | 21 November 2017 |
| CAJA RURAL DE GRANADA | BCOEESMM023 | GRANADA | 21 November 2017 |
| CAJA RURAL DE GUISSONA SOCIEDAD COOPERATIVA LIMITADA | CGUIESBAXXX | GUISSONA - LLEIDA | 17 March 2021 |
| CAJA RURAL DE JAEN BARCELONA Y MADRID | BCOEESMM067 | MENGIBAR-JAEN | 21 November 2017 |
| CAJA RURAL DE NAVARRA SOCIEDAD COOPERATIVA DE CREDITO | BCOEESMM008 | PAMPLONA | 21 November 2017 |
| CAJA RURAL DE NUEVA CARTEYA | BCOEESMM098 | NUEVA CARTEYA (CORDOBA) | 21 November 2017 |
| CAJA RURAL DE ONDA | BCOEESMM134 | ONDA (CASTELLON) | 21 November 2017 |
| CAJA RURAL DE SALAMANCA S.C.C. | BCOEESMM016 | SALAMANCA | 21 November 2017 |
| Caja Rural de San Isidro de Vilafames | CCRIES2A165 | Vilafames | 21 November 2017 |
| CAJA RURAL DE SAN VICENT FERRER DE LA VALL D'UIXO | CCRIES2A102 | VALL D'UIXO | 21 November 2017 |
| CAJA RURAL DE SORIA | BCOEESMM017 | SORIA | 21 November 2017 |
| CAJA RURAL DE TERUEL | BCOEESMM080 | TERUEL | 21 November 2017 |
| CAJA RURAL DE UTRERA | BCOEESMM020 | UTRERA SEVILLA | 21 November 2017 |
| CAJA RURAL DE VILLAMALEA | BCOEESMM144 | VILLAMALEA | 21 November 2017 |
| CAJA RURAL DE VILLAR COOP. DE CREDITO V. | CCRIES2A152 | VILLAR DEL ARZOBISPO | 21 November 2017 |
| CAJA RURAL DE ZAMORA | BCOEESMM085 | ZAMORA | 21 November 2017 |
| CAJA RURAL DEL SUR SOCIEDAD COOPERATIVA DE CREDITO | BCOEESMM187 | SEVILLA | 21 November 2017 |
| Caja Rural La Junquera de Chilches S. Coop. de Credito V | CCRIES2A157 | Chilches | 21 November 2017 |
| CAJA RURAL REGIONAL 'SAN AGUSTIN', S. COOP. C. | BCOEESMM018 | FUENTE ALAMO (MURCIA) | 21 November 2017 |
| CAJA RURAL SAN JAIME DE ALQUERIAS NINO PERDIDO S. COOP. DE CREDITO V. | CCRIES2A119 | ALQUERIAS NINO PERDIDO | 21 November 2017 |
| CAJA RURAL SAN JOSE DE ALMASSORA S.COOP.DE CREDITO V. | BCOEESMM130 | ALMASSORA (CASTELLON) | 21 November 2017 |
| Caja Rural San Jose de Burriana S. Coop. de Credito V | CCRIES2A112 | Burriana | 21 November 2017 |
| CAJA RURAL SAN JOSE DE NULES S. COOP. CREDITO V. | CCRIES2A135 | NULES | 21 November 2017 |
| CAJA RURAL SAN ROQUE DE ALMENARA | CCRIES2A095 | ALMENARA | 21 November 2017 |
| CAJA RURAL SANT JOSEP DE VILAVELLA | CCRIES2A160 | VILLAVIEJA | 21 November 2017 |
| CAJA RURAL VINAROS S.C.C.V. | BCOEESMM174 | VINAROS | 21 November 2017 |
| CAJAMAR CAJA RURAL S.C.C. | CCRIES2AXXX | ALMERIA | 21 November 2017 |
| Cajasiete Caja Rural S.C.C. | BCOEESMM076 | SANTA CRUZ DE TENERIFE | 21 November 2017 |
| CBNK BANCO DE COLECTIVOS, S.A | CCOCESMMXXX | MADRID | 13 December 2021 |
| CECABANK S.A. | CECAESMMXXX | MADRID | 21 November 2017 |
| COLONYA, CAIXA d'ESTALVIS DE POLLENCA | CECAESMM056 | POLLENCA | 4 July 2022 |
| DEUTSCHE BANK SOCIEDAD ANONIMA ESPANOLA | DEUTESBBXXX | Madrid | 16 May 2018 |
| Devengo, S.L. | DEVNESM2XXX | Madrid | 31 March 2025 |
| EBN BANCO DE NEGOCIOS, S.A. | PROAESMMXXX | MADRID | 2 December 2024 |
| EUROCAJA RURAL S.C.C. | ERSVES22XXX | TOLEDO | 21 November 2017 |
| Getnet Emoney EDE, S.L. | PAGOES22XXX | Madrid | 6 October 2026 |
| IBERCAJA BANCO S.A. | CAZRES2ZXXX | ZARAGOZA | 21 November 2017 |
| KUTXABANK S.A. | BASKES2BXXX | BILBAO | 21 November 2017 |
| Maccorp Exact Change, Entidad de Pago, S.A. | EXCHESMMXXX | Madrid | 2 December 2024 |
| Monex Europa S.L. | MEUOESMMXXX | Madrid | 7 July 2025 |
| MoraBanc, S.A.U. | BINAES22XXX | Madrid | 10 September 2024 |
| MYINVESTOR BANCO S.A. | BACAESMMXXX | MADRID | 8 October 2024 |
| NUEVA CAJA DE ARAGON, SCDAD COOP. DE CREDITO | BCOEESMM191 | ZARAGOZA | 21 November 2017 |
| NUEVO MICROBANK S.A.U. | MIKBESB1XXX | BARCELONA | 21 November 2017 |
| OPEN BANK S.A. | OPENESMMXXX | BOADILLA DEL MONTE, MADRID | 4 June 2018 |
| Prisma Payments EP SA | EAPFESM2XXX | Madrid | 6 April 2020 |
| RENTA 4 BANCO, S.A. | RENBESMMXXX | MADRID | 3 October 2022 |
| RURALNOSTRA SCCV | BCOEESMM138 | BETXI | 21 November 2017 |
| SEFIDE EDE, S.L.U. | SESDES22XXX | Granada | 31 March 2025 |
| Singular Bank, S.A.U. | SELFESMMXXX | Madrid | 8 January 2025 |
| UNICAJA BANCO SAU | UCJAES2MXXX | MALAGA | 21 November 2017 |
| Unnax Regulatory Services, EDE SL | UNAXES22XXX | Barcelona | 6 February 2025 |
| Wizink Bank S.A. | POPLESMMXXX | MADRID | 10 December 2024 |