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Domestic payment operations

UniCredit Bank prides itself on its reliability and speed in executing payments. That means transfers between accounts maintained at UniCredit Bank are credited without delay. We also credit incoming payments from other banks to clients’ accounts immediately once we receive them from the Czech National Bank’s clearing centre. You can conveniently execute domestic payments through eBanking products offered by our bank.

Domestic payment is a noncash transfer in Czech crowns between accounts maintained in CZK within the Czech Republic.

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Contacts

Technical support:
+420 221 210 011
Payment processing:
+420 221 210 010
Working hours:
Monday - Friday 07:00 - 18:00

Documents to download

Europayment

European Union and European Economic Area countries have introduced the so-called “Europayments”. These are cross-border payments in euro up to EUR 50,000.

Advantages of Europayment

  • Payment (without conversion) is always delivered to the beneficiary not later than on the following banking day.
  • The entire transferred amount is credited to the beneficiary’s account; fees are settled separately.
  • Europayments provide savings on fees.
  • If your business partner’s account is maintained in a member country of the European Monetary Union (EMU), the beneficiary will only pay a fee for the incoming cross-border payment equal to the fee for a domestic incoming payment in the respective country.

MORE INFORMATION

Contacts

Technical support:
+420 221 210 011
Payment processing:
+420 221 210 010
Working hours:
Monday - Friday 07:00 - 18:00

Documents to download

Standard foreign payment

A standard foreign payment is a cross-border transfer to a country outside the European Economic Area (EEA) or a transfer in a currency other than a currency of an EEA country. Transfers are realised through an extensive network of correspondent banks.

Advantages of a standard foreign payment

  • Transfer also to countries outside the EEA.
  • Transfer in any currency (from the bank’s exchange rate list).
  • Fee assignment – fees paid by the sender, beneficiary, or shared fees.

MORE INFORMATION

Contacts

Technical support:
+420 221 210 011
Payment processing:
+420 221 210 010
Working hours:
Monday - Friday 07:00 - 18:00

Documents to download

SEPA credit transfer

SEPA credit transfer is a euro-denominated noncash transfer of funds to a beneficiary submitted to a bank electronically. A SEPA credit transfer has precisely defined requirements and is executed within SEPA countries between participant banks that have acceded to the conditions for processing SEPA credit transfers (PDF, CSV).

Since its launch on 28 January 2008, more than 4,577 banks from 32 countries have joined in the execution of SEPA credit transfers. They represent more than 95% of payment transactions in SEPA countries. UniCredit Bank Czech Republic and Slovakia, a.s. was among the first banks in the Czech Republic to offer SEPA credit transfers to its clients.

Advantages of SEPA credit transfer

  • Payment (without conversion) is always delivered to the beneficiary no later than on the following banking day.
  • The transfer amount is not limited.
  • The entire transferred amount is credited to the beneficiary’s account; fees are settled separately.
  • Payment processing takes place under uniform, standardised conditions.
  • The payment format contains an additional text field (end-to-end reference) in which the payer may send additional information.
  • The new XML data format of payments allows more payment information to be transferred.

Payment services modifications – SEPA End-Date 31 October 2016

As of 1 November 2016, the Regulation (EU) no. 260/2012 of the European Parliament and the Council comes into effect, which establishes requirements for entering and processing SEPA payments and SEPA direct debits within the 33 SEPA member countries locally, as well as for the payment services mutually operated between those countries. The Regulation fundamentally impacts both the banks and you, our clients.

 

What are the requirements of the Regulation (EU) no 260/2012?

Regarding euro payment orders within the EU and EEA:

  • banks who have acceded the SEPA rulebooks must solely use the ISO 20022 (XML) format in their mutual communication,
  • clients must submit their payment orders in the ISO 20022 (XML) format to the banks,
  • clients must indicate their account numbers in the IBAN format; and,
  • clients are no longer required to indicate the BIC codes.

Contacts

Technical support:
+420 221 210 011
Payment processing:
+420 221 210 010
Working hours:
Monday - Friday 07:00 - 18:00

Documents to download

SEPA direct debit

Since the end of 2008, businesses and consumers have been able, for the first time ever, to use cross-border direct debiting across 33 European countries. This service may be used if the payer’s bank and the beneficiary’s bank have both acceded to the SEPA Direct Debit Scheme. A SEPA direct debit is a euro-denominated noncash payment initiated electronically by the beneficiary through its bank on the basis of a prior agreement with the payer (the so-called “Mandate”). The agreement between the payer and the beneficiary must contain the required particulars, including the type of SEPA direct debit used. Direct debits are most often used for recurrent payments with a fixed or variable amount, but a one-time direct debit can also be made.

Advantages of SEPA direct debit

  • Possibility to carry out SEPA direct debit within 33 European countries.
  • The payer is informed in advance of an incoming SEPA direct debit and the payment date and thus is able better to manage its cash.
  • The beneficiary is able to send a message for the payer along with the request.
  • Centralisation of accounts as well as liquidity into a single bank.
  • Thanks to uniform formats, payments can easily be matched up with accounts receivable or payable in accounting systems.
  • Processing of payments, including rejected and returned payments, is governed by uniform, standardised conditions, and thus processing can be automated.
  • Legal harmonisation ensures better predictability of transactions.

Payment services modifications – SEPA End-Date 31 October 2016

As of 1 November 2016, the Regulation (EU) no. 260/2012 of the European Parliament and the Council comes into effect, which establishes requirements for entering and processing SEPA payments and SEPA direct debits within the 33 SEPA member countries locally, as well as for the payment services mutually operated between those countries. The Regulation fundamentally impacts both the banks and you, our clients.

 

What are the requirements of the Regulation (EU) no 260/2012?

Regarding euro payment orders within the EU and EEA:

  • banks who have acceded the SEPA rulebooks must solely use the ISO 20022 (XML) format in their mutual communication,
  • clients must submit their payment orders in the ISO 20022 (XML) format to the banks,
  • clients must indicate their account numbers in the IBAN format; and,
  • clients are no longer required to indicate the BIC codes.

Contacts

Technical support:
+420 221 210 011
Payment processing:
+420 221 210 010
Working hours:
Monday - Friday 07:00 - 18:00

Documents to download

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