CI

SEPA creditor identifier, used in SDD Core and B2B.

Definition

The CI has a fixed structure: positions 1-2 the ISO country code, 3-4 two check digits computed with ISO 7064 MOD 97-10, 5-7 the Creditor Business Code (ZZZ when unused), and from position 8 the country-specific national identifier. Maximum length 35 characters; positions 5-7 are excluded from the check-digit calculation.

Origin

Defined in the European Payments Council specification EPC262-08 "Creditor Identifier Overview", supporting the SEPA Direct Debit Rulebooks (EPC016-06 and EPC222-07).

Example in context

DE98ZZZ09999999999 — country DE, check digits 98, business code ZZZ, national identifier 09999999999. Carried in <CdtrSchmeId><Id><PrvtId><Othr><Id> in pain.008.

Related terms

• SEPA Direct Debit — collection scheme that requires a CI.
• UMR — together with the CI forms the unique pair identifying a mandate.