Study series on SEPA implementation in Germany

Study series on SEPA implementation in Germany

Status quo and status of implementation with companies, authorities and associations
In several surveys, we have investigated the effects SEPA has on the payment transactions of German companies, authorities and associations and the current status of SEPA implementation in Germany. The results are presented in these studies. The survey is supported by van den Berg (, Bank-Verlag ( and InterCard ( It is repeated continuously approximately every 6 months.
Download current study free of charge

The current study from August 2013 at a glance:

About one-fifth of those surveyed are not yet aware of SEPA: 22 percent say they have only vague ideas about SEPA or have never even heard of it
Only one third of companies use SEPA credit transfers
Around 30% plan to use SEPA credit transfers exclusively as of February 1, 2014
Most organizations plan to start using the SEPA Direct Debit from the second half of 2013
For 20% of respondents, the date for the final migration to SEPA Direct Debit is still not fixed
However, for many companies, the exclusive use of the SEPA direct debit is not expected to begin until the end of 2013 or even the beginning of 2014
Respondents who use SEPA Direct Debit or plan to do so cannot do without it for long: 27% of the companies surveyed said that liquidity problems were caused by a lack of direct debit payments within 5 days or less
Many companies do not have written direct debit authorizations for their existing direct debits
Approximately 10% of the online merchants surveyed are already planning to abolish direct debiting as a payment method offered in their webshop
Respondents hope above all for shorter maturities for cross-border payments in the SEPA area
Most of the steps towards the SEPA changeover will take place in the 4th quarter of 2013
11% of those surveyed expect their systems to be converted to SEPA only after February 1, 2014

Download current study free of charge

The study from February 2013 at a glance:

SEPA is still unaware of almost a third of them and many do not see the need for immediate action
Only one third of companies use SEPA credit transfers
Many companies do not have written direct debit authorizations for their existing direct debits
Most of the respondents with written direct debit authorizations would like to take advantage of the AGB migration option
The use of SEPA Direct Debit is planned for most companies from the second half of 2013
SEPA is coming and time is pressing!

Download the study (February 2013) for free

The ibi seminar “SEPA contingency plan – what you need to consider until the changeover on February 1″ on October 22 in Berlin will show you, in a compact and practical form, what is in store for companies and what solutions are available.
more information about the ibi-SEPA-Seminar


Every two weeks, we summarize the most important trends for you in our payments newsletter free of charge.

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Information material

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Checklist for SEPA introduction

The checklist highlights important aspects that need to be taken into account when introducing the new SEPA payment schemes.
Download checklist


In two technical articles from the magazine BIT you will learn interesting facts about the SEPA changeover.

1.2.2014: The DTA Direct Debit Scheme will be replaced by the SEPA Scheme
SEPA is just around the corner – but what really counts for companies is SEPA+

The seventh chapter of the e-commerce guide provides a basic introduction to the importance of the Single Euro Payments Area.
Download the guide

Press area

We are happy to answer your questions and provide you with interview partners and extensive information material.
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SEPA Knowledge Quiz

Test your knowledge in the field of payment transactions!

To the payment transaction quiz


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