{"id":24770,"date":"2025-01-10T14:21:05","date_gmt":"2025-01-10T13:21:05","guid":{"rendered":"https:\/\/www.digiteal.eu\/wat-is-sepa-definitie-doelstellingen-voordelen\/"},"modified":"2025-01-23T15:16:32","modified_gmt":"2025-01-23T14:16:32","slug":"wat-is-sepa-definitie-doelstellingen-voordelen","status":"publish","type":"post","link":"https:\/\/www.digiteal.eu\/nl\/wat-is-sepa-definitie-doelstellingen-voordelen\/","title":{"rendered":"Wat is SEPA? Definitie, doelstellingen, voordelen"},"content":{"rendered":"\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-lfjov5hx-3aa8fa5fcc48950541c883afcada2abf\">\n.avia-section.av-lfjov5hx-3aa8fa5fcc48950541c883afcada2abf{\nbackground-repeat:no-repeat;\nbackground-image:url(https:\/\/www.digiteal.eu\/wp-content\/uploads\/2023\/09\/Blog-article-website-banner-1600-x-500-px-2.png);\nbackground-position:100% 50%;\nbackground-attachment:scroll;\n}\n<\/style>\n<div id='av_section_1'  class='avia-section av-lfjov5hx-3aa8fa5fcc48950541c883afcada2abf main_color avia-section-default avia-no-border-styling  avia-builder-el-0  el_before_av_submenu  avia-builder-el-first  avia-full-stretch avia-bg-style-scroll av-minimum-height av-minimum-height-custom av-height-custom  container_wrap sidebar_right'  data-section-bg-repeat='stretch' data-av_minimum_height_px='500'><div class='container av-section-cont-open' style='height:500px'><main  role=\"main\" itemprop=\"mainContentOfPage\"  class='template-page content  av-content-small alpha units'><div class='post-entry post-entry-type-page post-entry-24770'><div class='entry-content-wrapper clearfix'>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-6x8hrc-448f0419f31601af9c675c304210d0fa\">\n.flex_column.av-6x8hrc-448f0419f31601af9c675c304210d0fa{\nborder-radius:0px 0px 0px 0px;\npadding:0px 0px 0px 0px;\n}\n<\/style>\n<div  class='flex_column av-6x8hrc-448f0419f31601af9c675c304210d0fa av_two_third  avia-builder-el-1  avia-builder-el-no-sibling  first flex_column_div av-zero-column-padding  '     ><style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-lfjox3zp-7dc7d986d2c640add4d5f2eb766cb49f\">\n#top .av-special-heading.av-lfjox3zp-7dc7d986d2c640add4d5f2eb766cb49f{\npadding-bottom:10px;\ncolor:#ffffff;\nfont-size:50px;\n}\nbody .av-special-heading.av-lfjox3zp-7dc7d986d2c640add4d5f2eb766cb49f .av-special-heading-tag .heading-char{\nfont-size:25px;\n}\n#top #wrap_all .av-special-heading.av-lfjox3zp-7dc7d986d2c640add4d5f2eb766cb49f .av-special-heading-tag{\nfont-size:50px;\n}\n.av-special-heading.av-lfjox3zp-7dc7d986d2c640add4d5f2eb766cb49f .special-heading-inner-border{\nborder-color:#ffffff;\n}\n.av-special-heading.av-lfjox3zp-7dc7d986d2c640add4d5f2eb766cb49f .av-subheading{\nfont-size:15px;\n}\n\n@media only screen and (min-width: 480px) and (max-width: 767px){ \n#top #wrap_all .av-special-heading.av-lfjox3zp-7dc7d986d2c640add4d5f2eb766cb49f .av-special-heading-tag{\nfont-size:0.8em;\n}\n}\n\n@media only screen and (max-width: 479px){ \n#top #wrap_all .av-special-heading.av-lfjox3zp-7dc7d986d2c640add4d5f2eb766cb49f .av-special-heading-tag{\nfont-size:0.8em;\n}\n}\n<\/style>\n<div  class='av-special-heading av-lfjox3zp-7dc7d986d2c640add4d5f2eb766cb49f av-special-heading-h1 custom-color-heading blockquote modern-quote  avia-builder-el-2  avia-builder-el-no-sibling  av-inherit-size av-linked-heading'><h1 class='av-special-heading-tag '  itemprop=\"headline\"  >Wat is SEPA? Definitie, doelstellingen, voordelen<\/h1><div class=\"special-heading-border\"><div class=\"special-heading-inner-border\"><\/div><\/div><\/div><\/div>\n\n<\/div><\/div><\/main><!-- close content main element --><\/div><\/div><div class='clear'><\/div><div id='sub_menu1'  class='av-submenu-container av-lfjpyyvz-c525a213cf1a50584c16bb9a3b8b4ada main_color av-switch-768  avia-builder-el-3  el_after_av_section  el_before_av_section  av-sticky-submenu submenu-not-first container_wrap sidebar_right' style='z-index:301' ><div class='container av-menu-mobile-active av-submenu-pos-center'><a href=\"#\" class=\"mobile_menu_toggle\"><span class='avia-svg-icon avia-font-svg_entypo-fontello' data-av_svg_icon='list' data-av_iconset='svg_entypo-fontello'><svg version=\"1.1\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"22\" height=\"32\" viewBox=\"0 0 22 32\" preserveAspectRatio=\"xMidYMid meet\" aria-labelledby='av-svg-title-1' aria-describedby='av-svg-desc-1' role=\"graphics-symbol\" aria-hidden=\"true\">\n<title id='av-svg-title-1'>List<\/title>\n<desc id='av-svg-desc-1'>List<\/desc>\n<path d=\"M3.2 20.8q0.64 0 1.12 0.48t0.48 1.12-0.48 1.12-1.12 0.48h-1.6q-0.64 0-1.12-0.48t-0.48-1.12 0.448-1.12 1.152-0.48h1.6zM3.2 14.4q0.64 0 1.12 0.48t0.48 1.12-0.48 1.12-1.12 0.48h-1.6q-0.64 0-1.12-0.48t-0.48-1.12 0.448-1.12 1.152-0.48h1.6zM3.2 8q0.64 0 1.12 0.48t0.48 1.12-0.48 1.12-1.12 0.48h-1.6q-0.64 0-1.12-0.48t-0.48-1.12 0.448-1.12 1.152-0.48h1.6zM9.6 11.2q-0.64 0-1.12-0.48t-0.48-1.12 0.48-1.12 1.12-0.48h11.2q0.704 0 1.152 0.48t0.448 1.12-0.48 1.12-1.12 0.48h-11.2zM20.8 14.4q0.704 0 1.152 0.48t0.448 1.12-0.48 1.12-1.12 0.48h-11.2q-0.64 0-1.12-0.48t-0.48-1.12 0.48-1.12 1.12-0.48h11.2zM20.8 20.8q0.704 0 1.152 0.48t0.448 1.12-0.48 1.12-1.12 0.48h-11.2q-0.64 0-1.12-0.48t-0.48-1.12 0.48-1.12 1.12-0.48h11.2z\"><\/path>\n<\/svg><\/span><span class=\"av-current-placeholder\">Menu<\/span><\/a><ul id='av-custom-submenu-1' class='av-subnav-menu' role='menu'>\n<li class='menu-item av-lfjpy9fu-5f171c9c56dd712c04d8355a1ce679be menu-item-top-level menu-item-top-level-1' role='menuitem'><a href='#definition'  ><span class='avia-bullet'><\/span><span class='avia-menu-text'>Definitie<\/span><\/a><\/li>\n<li class='menu-item av-lfjpyy7e-22778accd26329d7a828fd70e8e7a8c7 menu-item-top-level menu-item-top-level-2' role='menuitem'><a href='#zone'  ><span class='avia-bullet'><\/span><span class='avia-menu-text'>SEPA-zone<\/span><\/a><\/li>\n<li class='menu-item av-lfjpykpn-e7db792f15dca2782e4c245f9b52c39c menu-item-top-level menu-item-top-level-3' role='menuitem'><a href='#objectifs'  ><span class='avia-bullet'><\/span><span class='avia-menu-text'>Doelstellingen<\/span><\/a><\/li>\n<li class='menu-item av-lfjpy9fu-1-0c2adc18d1f4c9ea796ab05a71a49950 menu-item-top-level menu-item-top-level-4' role='menuitem'><a href='#origines'  ><span class='avia-bullet'><\/span><span class='avia-menu-text'>Oorsprong<\/span><\/a><\/li>\n<li class='menu-item av-lfjpy9fu-15-0db75222cb8892da89458a875f357601 menu-item-top-level menu-item-top-level-5' role='menuitem'><a href='#instruments'  ><span class='avia-bullet'><\/span><span class='avia-menu-text'>Betaalinstrumenten<\/span><\/a><\/li>\n<\/ul><\/div><\/div><div class='sticky_placeholder'><\/div>\n<div id='av_section_2'  class='avia-section av-6heah6m-866adc2f47d9aa9b085ce86b457560bb main_color avia-section-small avia-no-border-styling  avia-builder-el-4  el_after_av_submenu  el_before_av_section  avia-bg-style-scroll container_wrap sidebar_right'  ><div class='container av-section-cont-open' ><div class='template-page content  av-content-small alpha units'><div class='post-entry post-entry-type-page post-entry-24770'><div class='entry-content-wrapper clearfix'>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-lmou6vez-cda7d05755f9171ce71c34db37010234\">\n#top #wrap_all .iconbox.av-lmou6vez-cda7d05755f9171ce71c34db37010234 .iconbox_content_title{\nfont-size:20px;\n}\n.iconbox.av-lmou6vez-cda7d05755f9171ce71c34db37010234 .iconbox_content_container{\nfont-size:16px;\n}\n<\/style>\n<article  class='iconbox iconbox_left_content av-lmou6vez-cda7d05755f9171ce71c34db37010234 av-icon-style-no-border  avia-builder-el-5  avia-builder-el-no-sibling '  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/BlogPosting\" itemprop=\"blogPost\" ><div class='iconbox_icon heading-color avia-iconfont avia-font-font-awesome' data-av_icon='\uf153' data-av_iconfont='font-awesome'  ><\/div><div class=\"iconbox_content\"><header class=\"entry-content-header\" aria-label=\"Icoon: SEPA\"><h3 class='iconbox_content_title '  itemprop=\"headline\" >SEPA<\/h3><\/header><div class='iconbox_content_container '  itemprop=\"text\" ><p>Velen van jullie vragen zich af wat het acroniem <strong>SEPA<\/strong> betekent&#8230;<\/p>\n<p>Digiteal, dat betaaloplossingen biedt die direct SEPA omvatten, positioneert zich als een expert om u meer te vertellen over de <strong>definitie<\/strong>, de <strong>doelen<\/strong> en de <strong>oorsprong<\/strong> van SEPA.<\/p>\n<\/div><\/div><footer class=\"entry-footer\"><\/footer><\/article>\n\n<\/div><\/div><\/div><!-- close content main div --><\/div><\/div><div id='definition'  class='avia-section av-6bn7wzi-8d78a2a4ad9f9fd7aaf873b7f1619f42 main_color avia-section-small avia-no-border-styling  avia-builder-el-6  el_after_av_section  el_before_av_section  avia-bg-style-scroll container_wrap sidebar_right'  ><div class='container av-section-cont-open' ><div class='template-page content  av-content-small alpha units'><div class='post-entry post-entry-type-page post-entry-24770'><div class='entry-content-wrapper clearfix'>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-lfjpzao9-31a9155d8c915991cbb8ae22ecec9f66\">\n.flex_column.av-lfjpzao9-31a9155d8c915991cbb8ae22ecec9f66{\nborder-radius:5px 5px 5px 5px;\npadding:30px 30px 30px 30px;\nbackground-color:#4ecac2;\n}\n<\/style>\n<div  class='flex_column av-lfjpzao9-31a9155d8c915991cbb8ae22ecec9f66 av_one_full  avia-builder-el-7  avia-builder-el-no-sibling  first flex_column_div  '     ><style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-lfjpj37w-9ffd9f9ee08abb86ce11b92272dfee77\">\n#top .av_textblock_section.av-lfjpj37w-9ffd9f9ee08abb86ce11b92272dfee77 .avia_textblock{\nfont-size:16px;\ncolor:#ffffff;\n}\n<\/style>\n<section  id=\"definition\"  class='av_textblock_section av-lfjpj37w-9ffd9f9ee08abb86ce11b92272dfee77 '   itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/BlogPosting\" itemprop=\"blogPost\" ><div class='avia_textblock av_inherit_color'  itemprop=\"text\" ><h2>Wat is SEPA?<\/h2>\n<p>De betekenis van het acroniem SEPA is <strong>Single Euro Payments Area<\/strong>. Dit initiatief van de Europese Unie is bedoeld om <strong>elektronische betalingen tussen deelnemende landen te harmoniseren<\/strong> en te vereenvoudigen.<\/p>\n<p>Concreet is het een overeenkomst die consumenten en bedrijven in de landen van deze zone toestaat om in euro&#8217;s te betalen via hun bankrekening. Omdat de valuta (de euro) gemeenschappelijk is, worden omwisselingskosten ge\u00eblimineerd (of sterk verminderd). Het is dus <strong>een snelle, veilige en effici\u00ebnte manier om bankoverschrijvingen te doen<\/strong>, net zoals je zou doen voor je nationale betalingen.<\/p>\n<\/div><\/section><\/div>\n\n<p><\/div><\/div><\/div><!-- close content main div --><\/div><\/div><div id='av_section_4'  class='avia-section av-5o4ydq6-a701f27614003fe47e074d4456762286 main_color avia-section-default avia-no-border-styling  avia-builder-el-9  el_after_av_section  el_before_av_section  avia-bg-style-scroll container_wrap sidebar_right'  ><div class='container av-section-cont-open' ><div class='template-page content  av-content-small alpha units'><div class='post-entry post-entry-type-page post-entry-24770'><div class='entry-content-wrapper clearfix'>\n<div  class='flex_column av-5cojezi-c5c2f6dd76d4cde265d428192f9d3576 av_three_fifth  avia-builder-el-10  el_before_av_two_fifth  avia-builder-el-first  first flex_column_div  '     ><style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-lfjpm0wl-ca1c7bba93389db3a2cc8140cd514661\">\n#top .av_textblock_section.av-lfjpm0wl-ca1c7bba93389db3a2cc8140cd514661 .avia_textblock{\nfont-size:16px;\n}\n<\/style>\n<section  id=\"zone\"  class='av_textblock_section av-lfjpm0wl-ca1c7bba93389db3a2cc8140cd514661 '   itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/BlogPosting\" itemprop=\"blogPost\" ><div class='avia_textblock'  itemprop=\"text\" ><h2>Welke landen behoren tot de SEPA-zone?<\/h2>\n<p>De <strong>SEPA-zone<\/strong> omvat momenteel <strong>36 landen<\/strong> en heeft dus een grote geografische dekking (zie de onderstaande kaart).<\/p>\n<p>Het omvat <strong>alle lidstaten van de Europese Unie<\/strong>, maar ook <strong>sommige landen van de Europese Economische Ruimt<\/strong>e die geen deel uitmaken (of niet meer deel uitmaken) van de EU, en zelfs <strong>andere landen buiten het Europese continent<\/strong>.<\/p>\n<p>Hier is de lijst:<\/p>\n<ul>\n<li><strong>De 27 lidstaten van de Europese Unie:<\/strong> Duitsland, Oostenrijk, Belgi\u00eb, Bulgarije, Kroati\u00eb, Cyprus, Denemarken, Spanje, Estland, Finland, Frankrijk, Griekenland, Hongarije, Ierland, Itali\u00eb, Letland, Litouwen, Luxemburg, Malta, Nederland, Polen, Portugal, Roemeni\u00eb, Slowakije, Sloveni\u00eb, Zweden, Tsjechi\u00eb.<\/li>\n<li><strong>3 landen van de Europese Economische Ruimte (EER):<\/strong> IJsland, Liechtenstein, Noorwegen.<\/li>\n<li><strong>6 landen buiten de EER:<\/strong> Andorra, Monaco, Verenigd Koninkrijk, San Marino, Zwitserland, Vaticaanstad.<\/li>\n<\/ul>\n<\/div><\/section><\/div>\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-jjqsyw-361bc1b4bf10f00099ab5286a037f5f2\">\n.flex_column.av-jjqsyw-361bc1b4bf10f00099ab5286a037f5f2{\nborder-radius:30px 30px 30px 30px;\npadding:5px 5px 5px 5px;\n}\n<\/style>\n<div  id=\"psd2\"  class='flex_column av-jjqsyw-361bc1b4bf10f00099ab5286a037f5f2 av_two_fifth  avia-builder-el-12  el_after_av_three_fifth  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src=\"https:\/\/www.digiteal.eu\/wp-content\/uploads\/2025\/01\/kaart-landen-sepa-single-euro-payments-area.png\" alt='Carte des pays formant la zone SEPA' title='Kaart van de landen in de Single Euro Payments Area (SEPA)'  height=\"773\" width=\"713\"  itemprop=\"thumbnailUrl\" srcset=\"https:\/\/www.digiteal.eu\/wp-content\/uploads\/2025\/01\/kaart-landen-sepa-single-euro-payments-area.png 713w, https:\/\/www.digiteal.eu\/wp-content\/uploads\/2025\/01\/kaart-landen-sepa-single-euro-payments-area-650x705.png 650w\" sizes=\"(max-width: 713px) 100vw, 713px\" \/><\/div><\/div><\/div><\/div>\n<\/div><\/div><\/div><!-- close content main div --><\/div><\/div><div id='av_section_5'  class='avia-section av-2hk2pq-de1a37c824728b88f30ddf92c8b66ac3 main_color avia-section-default avia-no-border-styling  avia-builder-el-14  el_after_av_section  el_before_av_section  avia-bg-style-scroll container_wrap sidebar_right'  ><div class='container av-section-cont-open' ><div class='template-page content  av-content-small alpha units'><div class='post-entry post-entry-type-page post-entry-24770'><div class='entry-content-wrapper clearfix'>\n<div  class='flex_column av-4ztiltq-7f4b08dede5688c6ec8552717052956a av_one_half  avia-builder-el-15  el_before_av_one_half  avia-builder-el-first  first flex_column_div  '     ><style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-ln8woo9g-0f7b1641194488e720a066ece21ba406\">\n#top .av_textblock_section.av-ln8woo9g-0f7b1641194488e720a066ece21ba406 .avia_textblock{\nfont-size:16px;\n}\n<\/style>\n<section  class='av_textblock_section av-ln8woo9g-0f7b1641194488e720a066ece21ba406 '   itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/BlogPosting\" itemprop=\"blogPost\" ><div class='avia_textblock'  itemprop=\"text\" ><h2>Wat is een IBAN in de context van SEPA?<\/h2>\n<p>Je weet allemaal wat een IBAN is, die 14 cijfers, voorafgegaan door BE voor Belgi\u00eb, op je bankkaart?<\/p>\n<p>Dit geheel van cijfers en letters is een gestandaardiseerd formaat van je bankrekening. In het Engels, <strong>International Bank Account Number,<\/strong> oftewel IBAN, is het internationale nummer van je bankrekening.<\/p>\n<p>Samen met de BIC-code (Bank Identifier Code), die de bank gekoppeld aan de rekening aangeeft, is het dan mogelijk om de houder van de bankrekening en zijn bank op unieke wijze te identificeren binnen de SEPA-landen.<\/p>\n<\/div><\/section><\/div>\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-ln8xmyze-473e3d5df9b6cc10d4ca1afc61ae85ba\">\n.flex_column.av-ln8xmyze-473e3d5df9b6cc10d4ca1afc61ae85ba{\nborder-radius:(px (px (px (px;\npadding:30px 30px 30px 30px;\nbackground-color:#4ecac2;\n}\n<\/style>\n<div  class='flex_column av-ln8xmyze-473e3d5df9b6cc10d4ca1afc61ae85ba av_one_half  avia-builder-el-17  el_after_av_one_half  avia-builder-el-last  flex_column_div  '     ><style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-lfjprvav-d372dbd0f8688f3374d32bd85f55cadd\">\n#top .av_textblock_section.av-lfjprvav-d372dbd0f8688f3374d32bd85f55cadd .avia_textblock{\nfont-size:16px;\n}\n<\/style>\n<section  id=\"objectifs\"  class='av_textblock_section av-lfjprvav-d372dbd0f8688f3374d32bd85f55cadd '   itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/BlogPosting\" itemprop=\"blogPost\" ><div class='avia_textblock'  itemprop=\"text\" ><h2>Wat zijn de doelen van SEPA?<\/h2>\n<p>De doelen kunnen in \u00e9\u00e9n zin worden samengevat: <strong>het elimineren van de verschillen tussen nationale en grensoverschrijdende transacties in euro&#8217;s<\/strong>, waardoor ze:<\/p>\n<ul>\n<li><strong>sneller worden<\/strong> (binnen enkele seconden),<\/li>\n<li><strong>minder kosten<\/strong>,<\/li>\n<li><strong>effici\u00ebnter worden<\/strong> (24\/7 beschikbaar).<\/li>\n<\/ul>\n<p>Met andere woorden, deze harmonisatie heeft tot doel<strong> de procedures voor intra-Europese betalingen (en andere SEPA-landen) te vereenvoudigen<\/strong> om de monetaire alliantie in de euro te versterken.<\/p>\n<\/div><\/section><\/div>\n<\/p>\n<\/div><\/div><\/div><!-- close content main div --><\/div><\/div><div id='av_section_6'  class='avia-section av-44kk2am-e8bbd838fdbd08955ff3d22278b4bff9 main_color avia-section-default avia-no-border-styling  avia-builder-el-19  el_after_av_section  el_before_av_section  avia-bg-style-scroll container_wrap sidebar_right'  ><div class='container av-section-cont-open' ><div class='template-page content  av-content-small alpha units'><div class='post-entry post-entry-type-page post-entry-24770'><div class='entry-content-wrapper clearfix'>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-ln8wf04n-65f6d45e7e5b339a6ad3cad76462e9c7\">\n.av-horizontal-gallery.av-ln8wf04n-65f6d45e7e5b339a6ad3cad76462e9c7{\npadding:3.75% 0px;;\n}\n.av-horizontal-gallery.av-ln8wf04n-65f6d45e7e5b339a6ad3cad76462e9c7 .av-horizontal-gallery-inner{\npadding-bottom:25%;\n}\n<\/style>\n<div  class='av-horizontal-gallery av-ln8wf04n-65f6d45e7e5b339a6ad3cad76462e9c7 av-horizontal-gallery-large-gap av-horizontal-gallery-enlarge-effect  avia-builder-el-20  avia-builder-el-no-sibling  av-slideshow-ui av-control-default av-slideshow-manual av-loop-once av-loop-manual-once av-horizontal-gallery-1' data-slideshow-data=\"{&quot;enlarge&quot;:1.3,&quot;animation&quot;:&quot;slide&quot;,&quot;autoplay&quot;:false,&quot;loop_autoplay&quot;:&quot;once&quot;,&quot;interval&quot;:5,&quot;loop_manual&quot;:&quot;manual-once&quot;,&quot;autoplay_stopper&quot;:false,&quot;noNavigation&quot;:false,&quot;bg_slider&quot;:false,&quot;keep_padding&quot;:&quot;&quot;,&quot;hoverpause&quot;:false,&quot;show_slide_delay&quot;:0,&quot;initial&quot;:&quot;2&quot;}\"  itemprop=\"image\" itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/ImageObject\" ><div class='avia-slideshow-arrows avia-slideshow-controls' ><a href='#prev' class='prev-slide av-horizontal-gallery-prev avia-svg-icon avia-font-svg_entypo-fontello' data-av_svg_icon='left-open-big' data-av_iconset='svg_entypo-fontello' tabindex='-1' title=\"Vorige\"><svg version=\"1.1\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"15\" height=\"32\" viewBox=\"0 0 15 32\" preserveAspectRatio=\"xMidYMid meet\" aria-labelledby='av-svg-title-2' aria-describedby='av-svg-desc-2' role=\"graphics-symbol\" aria-hidden=\"true\">\n<title id='av-svg-title-2'>Vorige<\/title>\n<desc id='av-svg-desc-2'>Vorige<\/desc>\n<path d=\"M14.464 27.84q0.832 0.832 0 1.536-0.832 0.832-1.536 0l-12.544-12.608q-0.768-0.768 0-1.6l12.544-12.608q0.704-0.832 1.536 0 0.832 0.704 0 1.536l-11.456 11.904z\"><\/path>\n<\/svg><span class='avia_hidden_link_text'>Vorige<\/span><\/a><a href='#next' class='next-slide av-horizontal-gallery-next avia-svg-icon avia-font-svg_entypo-fontello' data-av_svg_icon='right-open-big' data-av_iconset='svg_entypo-fontello' tabindex='-1' title=\"Volgende\"><svg version=\"1.1\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"15\" height=\"32\" viewBox=\"0 0 15 32\" preserveAspectRatio=\"xMidYMid meet\" aria-labelledby='av-svg-title-3' aria-describedby='av-svg-desc-3' role=\"graphics-symbol\" aria-hidden=\"true\">\n<title id='av-svg-title-3'>Volgende<\/title>\n<desc id='av-svg-desc-3'>Volgende<\/desc>\n<path d=\"M0.416 27.84l11.456-11.84-11.456-11.904q-0.832-0.832 0-1.536 0.832-0.832 1.536 0l12.544 12.608q0.768 0.832 0 1.6l-12.544 12.608q-0.704 0.832-1.536 0-0.832-0.704 0-1.536z\"><\/path>\n<\/svg><span class='avia_hidden_link_text'>Volgende<\/span><\/a><\/div><div class='avia-slideshow-dots avia-slideshow-controls av-horizontal-gallery-dots fade-in'><a href='#1' class='goto-slide active' >1<\/a><a href='#2' class='goto-slide ' >2<\/a><a href='#3' class='goto-slide ' >3<\/a><\/div><div class='av-horizontal-gallery-inner' data-av-height='25'><div class=\"av-horizontal-gallery-slider\"><div class=\"av-horizontal-gallery-wrap noHover\"><img decoding=\"async\" fetchpriority=\"high\" class='wp-image-22534 avia-img-lazy-loading-not-22534 av-horizontal-gallery-img' width=\"2560\" height=\"1707\" src=\"https:\/\/www.digiteal.eu\/wp-content\/uploads\/2023\/10\/pexels-marcus-aurelius-4064025-scaled.jpg\" title='pexels-marcus-aurelius-4064025' alt='' srcset=\"https:\/\/www.digiteal.eu\/wp-content\/uploads\/2023\/10\/pexels-marcus-aurelius-4064025-scaled.jpg 2560w, https:\/\/www.digiteal.eu\/wp-content\/uploads\/2023\/10\/pexels-marcus-aurelius-4064025-768x512.jpg 768w, https:\/\/www.digiteal.eu\/wp-content\/uploads\/2023\/10\/pexels-marcus-aurelius-4064025-1536x1024.jpg 1536w, https:\/\/www.digiteal.eu\/wp-content\/uploads\/2023\/10\/pexels-marcus-aurelius-4064025-2048x1365.jpg 2048w, https:\/\/www.digiteal.eu\/wp-content\/uploads\/2023\/10\/pexels-marcus-aurelius-4064025-1500x1000.jpg 1500w\" sizes=\"(max-width: 2560px) 100vw, 2560px\" \/><a href=\"https:\/\/www.digiteal.eu\/wp-content\/uploads\/2023\/10\/pexels-marcus-aurelius-4064025-scaled.jpg\" data-srcset=\"https:\/\/www.digiteal.eu\/wp-content\/uploads\/2023\/10\/pexels-marcus-aurelius-4064025-scaled.jpg 2560w, https:\/\/www.digiteal.eu\/wp-content\/uploads\/2023\/10\/pexels-marcus-aurelius-4064025-768x512.jpg 768w, https:\/\/www.digiteal.eu\/wp-content\/uploads\/2023\/10\/pexels-marcus-aurelius-4064025-1536x1024.jpg 1536w, https:\/\/www.digiteal.eu\/wp-content\/uploads\/2023\/10\/pexels-marcus-aurelius-4064025-2048x1365.jpg 2048w, https:\/\/www.digiteal.eu\/wp-content\/uploads\/2023\/10\/pexels-marcus-aurelius-4064025-1500x1000.jpg 1500w\" data-sizes=\"(max-width: 2560px) 100vw, 2560px\" class='av-horizontal-gallery-link avia-svg-icon avia-font-svg_entypo-fontello' data-av_svg_icon='resize-full' data-av_iconset='svg_entypo-fontello' title='pexels-marcus-aurelius-4064025' alt='' aria-label='Open afbeelding in Lightbox: pexels-marcus-aurelius-4064025'><svg version=\"1.1\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"25\" height=\"32\" viewBox=\"0 0 25 32\" preserveAspectRatio=\"xMidYMid meet\" aria-labelledby='av-svg-title-4' aria-describedby='av-svg-desc-4' role=\"graphics-symbol\" aria-hidden=\"true\">\n<title id='av-svg-title-4'>Open afbeelding in Lightbox: pexels-marcus-aurelius-4064025<\/title>\n<desc id='av-svg-desc-4'>Open afbeelding in Lightbox: pexels-marcus-aurelius-4064025<\/desc>\n<path d=\"M15.232 3.328h10.112v10.112l-3.2-3.968-4.672 4.864-3.2-3.2 4.864-4.672zM7.872 17.536l3.2 3.2-4.864 4.672 3.904 3.2h-10.112v-10.112l3.2 3.904z\"><\/path>\n<\/svg><\/a><\/div><div class=\"av-horizontal-gallery-wrap noHover\"><img decoding=\"async\" fetchpriority=\"high\" class='wp-image-22553 avia-img-lazy-loading-not-22553 av-horizontal-gallery-img' width=\"8192\" height=\"4804\" src=\"https:\/\/www.digiteal.eu\/wp-content\/uploads\/2023\/10\/pexels-monstera-production-5849596.jpg\" title='pexels-monstera-production-5849596' alt='Zone SEPA Euro' srcset=\"https:\/\/www.digiteal.eu\/wp-content\/uploads\/2023\/10\/pexels-monstera-production-5849596.jpg 8192w, https:\/\/www.digiteal.eu\/wp-content\/uploads\/2023\/10\/pexels-monstera-production-5849596-768x450.jpg 768w, https:\/\/www.digiteal.eu\/wp-content\/uploads\/2023\/10\/pexels-monstera-production-5849596-1536x901.jpg 1536w, https:\/\/www.digiteal.eu\/wp-content\/uploads\/2023\/10\/pexels-monstera-production-5849596-1500x880.jpg 1500w, https:\/\/www.digiteal.eu\/wp-content\/uploads\/2023\/10\/pexels-monstera-production-5849596-705x413.jpg 705w\" sizes=\"(max-width: 8192px) 100vw, 8192px\" \/><a href=\"https:\/\/www.digiteal.eu\/wp-content\/uploads\/2023\/10\/pexels-monstera-production-5849596.jpg\" data-srcset=\"https:\/\/www.digiteal.eu\/wp-content\/uploads\/2023\/10\/pexels-monstera-production-5849596.jpg 8192w, https:\/\/www.digiteal.eu\/wp-content\/uploads\/2023\/10\/pexels-monstera-production-5849596-768x450.jpg 768w, https:\/\/www.digiteal.eu\/wp-content\/uploads\/2023\/10\/pexels-monstera-production-5849596-1536x901.jpg 1536w, https:\/\/www.digiteal.eu\/wp-content\/uploads\/2023\/10\/pexels-monstera-production-5849596-1500x880.jpg 1500w, https:\/\/www.digiteal.eu\/wp-content\/uploads\/2023\/10\/pexels-monstera-production-5849596-705x413.jpg 705w\" data-sizes=\"(max-width: 8192px) 100vw, 8192px\" class='av-horizontal-gallery-link avia-svg-icon avia-font-svg_entypo-fontello' data-av_svg_icon='resize-full' data-av_iconset='svg_entypo-fontello' title='pexels-monstera-production-5849596' alt='Zone SEPA Euro' aria-label='Open afbeelding in Lightbox: pexels-monstera-production-5849596'><svg version=\"1.1\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"25\" height=\"32\" viewBox=\"0 0 25 32\" preserveAspectRatio=\"xMidYMid meet\" aria-labelledby='av-svg-title-5' aria-describedby='av-svg-desc-5' role=\"graphics-symbol\" aria-hidden=\"true\">\n<title id='av-svg-title-5'>Open afbeelding in Lightbox: pexels-monstera-production-5849596<\/title>\n<desc id='av-svg-desc-5'>Open afbeelding in Lightbox: pexels-monstera-production-5849596<\/desc>\n<path d=\"M15.232 3.328h10.112v10.112l-3.2-3.968-4.672 4.864-3.2-3.2 4.864-4.672zM7.872 17.536l3.2 3.2-4.864 4.672 3.904 3.2h-10.112v-10.112l3.2 3.904z\"><\/path>\n<\/svg><\/a><\/div><div class=\"av-horizontal-gallery-wrap noHover\"><img decoding=\"async\" fetchpriority=\"high\" class='wp-image-22528 avia-img-lazy-loading-not-22528 av-horizontal-gallery-img' width=\"2560\" height=\"1707\" src=\"https:\/\/www.digiteal.eu\/wp-content\/uploads\/2023\/10\/pexels-ivan-samkov-7621142-scaled.jpg\" title='pexels-ivan-samkov-7621142' alt='' srcset=\"https:\/\/www.digiteal.eu\/wp-content\/uploads\/2023\/10\/pexels-ivan-samkov-7621142-scaled.jpg 2560w, https:\/\/www.digiteal.eu\/wp-content\/uploads\/2023\/10\/pexels-ivan-samkov-7621142-768x512.jpg 768w, https:\/\/www.digiteal.eu\/wp-content\/uploads\/2023\/10\/pexels-ivan-samkov-7621142-1536x1024.jpg 1536w, https:\/\/www.digiteal.eu\/wp-content\/uploads\/2023\/10\/pexels-ivan-samkov-7621142-2048x1366.jpg 2048w, https:\/\/www.digiteal.eu\/wp-content\/uploads\/2023\/10\/pexels-ivan-samkov-7621142-1500x1000.jpg 1500w, https:\/\/www.digiteal.eu\/wp-content\/uploads\/2023\/10\/pexels-ivan-samkov-7621142-705x470.jpg 705w\" sizes=\"(max-width: 2560px) 100vw, 2560px\" \/><a href=\"https:\/\/www.digiteal.eu\/wp-content\/uploads\/2023\/10\/pexels-ivan-samkov-7621142-scaled.jpg\" data-srcset=\"https:\/\/www.digiteal.eu\/wp-content\/uploads\/2023\/10\/pexels-ivan-samkov-7621142-scaled.jpg 2560w, https:\/\/www.digiteal.eu\/wp-content\/uploads\/2023\/10\/pexels-ivan-samkov-7621142-768x512.jpg 768w, https:\/\/www.digiteal.eu\/wp-content\/uploads\/2023\/10\/pexels-ivan-samkov-7621142-1536x1024.jpg 1536w, https:\/\/www.digiteal.eu\/wp-content\/uploads\/2023\/10\/pexels-ivan-samkov-7621142-2048x1366.jpg 2048w, https:\/\/www.digiteal.eu\/wp-content\/uploads\/2023\/10\/pexels-ivan-samkov-7621142-1500x1000.jpg 1500w, https:\/\/www.digiteal.eu\/wp-content\/uploads\/2023\/10\/pexels-ivan-samkov-7621142-705x470.jpg 705w\" data-sizes=\"(max-width: 2560px) 100vw, 2560px\" class='av-horizontal-gallery-link avia-svg-icon avia-font-svg_entypo-fontello' data-av_svg_icon='resize-full' data-av_iconset='svg_entypo-fontello' title='pexels-ivan-samkov-7621142' alt='' aria-label='Open afbeelding in Lightbox: pexels-ivan-samkov-7621142'><svg version=\"1.1\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"25\" height=\"32\" viewBox=\"0 0 25 32\" preserveAspectRatio=\"xMidYMid meet\" aria-labelledby='av-svg-title-6' aria-describedby='av-svg-desc-6' role=\"graphics-symbol\" aria-hidden=\"true\">\n<title id='av-svg-title-6'>Open afbeelding in Lightbox: pexels-ivan-samkov-7621142<\/title>\n<desc id='av-svg-desc-6'>Open afbeelding in Lightbox: pexels-ivan-samkov-7621142<\/desc>\n<path d=\"M15.232 3.328h10.112v10.112l-3.2-3.968-4.672 4.864-3.2-3.2 4.864-4.672zM7.872 17.536l3.2 3.2-4.864 4.672 3.904 3.2h-10.112v-10.112l3.2 3.904z\"><\/path>\n<\/svg><\/a><\/div><\/div><\/div><\/div>\n\n<\/div><\/div><\/div><!-- close content main div --><\/div><\/div><div id='av_section_7'  class='avia-section av-ln8nisuo-4cfa71eded19d40f0a2aef7d7ccf6abc main_color avia-section-default avia-no-border-styling  avia-builder-el-21  el_after_av_section  el_before_av_section  avia-bg-style-scroll container_wrap sidebar_right'  ><div class='container av-section-cont-open' ><div class='template-page content  av-content-small alpha units'><div class='post-entry post-entry-type-page post-entry-24770'><div class='entry-content-wrapper clearfix'>\n<div  class='flex_column av-3lop6m6-4728104ba94325b99106d44ab98514ba av_one_full  avia-builder-el-22  avia-builder-el-no-sibling  first flex_column_div  '     ><style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-ln8xw9qi-18f5351df80a16a59820255830d32386\">\n#top .av_textblock_section.av-ln8xw9qi-18f5351df80a16a59820255830d32386 .avia_textblock{\nfont-size:16px;\n}\n<\/style>\n<section  id=\"origines\"  class='av_textblock_section av-ln8xw9qi-18f5351df80a16a59820255830d32386 '   itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/BlogPosting\" itemprop=\"blogPost\" ><div class='avia_textblock'  itemprop=\"text\" ><h2>Wat zijn de oorsprongen van SEPA?<\/h2>\n<p>In 2002 begonnen de Europese banken met het SEPA-project. Hun doel was om <strong>de betalingen binnen Europa te vergemakkelijken<\/strong> door drie Europese betaalinstrumenten aan te bieden: de <strong>overschrijving<\/strong>, de <strong>domicili\u00ebring<\/strong> en de <strong>instant overschrijving<\/strong>.<\/p>\n<p>De SEPA-overschrijving zag het licht via het SCT-protocol (SEPA Credit Transfer). Het werd geleidelijk ingevoerd vanaf januari 2008 voor grensoverschrijdende betalingen en werd verplicht voor binnenlandse betalingen in januari 2014.<\/p>\n<p>De SEPA-domicili\u00ebring (SDD voor SEPA Direct Debit) werd ge\u00efntroduceerd in november 2009 voor grensoverschrijdende betalingen en werd verplicht voor binnenlandse betalingen in augustus 2014. Oorspronkelijk werd de SDD gelanceerd voor automatische incasso&#8217;s in euro&#8217;s. Dit heeft de terugkerende betalingen, zoals maandelijkse rekeningen, gestandaardiseerd.<\/p>\n<p>Twee jaar later, in 2016, konden ook landen buiten de EU zich aansluiten bij de leden van de SEPA-zone.<\/p>\n<p>Sinds november 2017 werden SEPA instant overschrijvingen (SCT Inst) ge\u00efntroduceerd om de klassieke SEPA overschrijvingen te versnellen. In november 2020 lanceerde de Europese Centrale Bank (ECB) initiatieven om deze instant overschrijvingen de klassieke overschrijvingen te laten vervangen. In oktober 2022 stelde de Europese Commissie via DG-FISMA een wet voor die de adoptie van SEPA instant overschrijvingen (SCT Inst) door alle banken van de Europese Unie bevordert onder dezelfde voorwaarden als de klassieke overschrijvingen, zodat de instant betaling de norm wordt en de klassieke SEPA overschrijvingen snel vervangt.<\/p>\n<\/div><\/section><\/div>\n\n<\/div><\/div><\/div><!-- close content main div --><\/div><\/div><div id='av_section_8'  class='avia-section av-2vdvja6-7089ec8040e5320fa7d226c19e0be739 main_color avia-section-default avia-no-border-styling  avia-builder-el-24  el_after_av_section  el_before_av_section  avia-bg-style-scroll container_wrap sidebar_right'  ><div class='container av-section-cont-open' ><div class='template-page content  av-content-small alpha units'><div class='post-entry post-entry-type-page post-entry-24770'><div class='entry-content-wrapper clearfix'>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-lnagbygb-60ec084d61c5b539c393e08d06bdd2a4\">\n.avia-timeline-container.av-lnagbygb-60ec084d61c5b539c393e08d06bdd2a4 .av-milestone-date{\ncolor:#0db5c0;\n}\n.avia-timeline-container.av-lnagbygb-60ec084d61c5b539c393e08d06bdd2a4 .av-milestone-icon-inner{\nbackground-color:#0db5c0;\ncolor:#ffffff;\n}\n.avia-timeline-container.av-lnagbygb-60ec084d61c5b539c393e08d06bdd2a4 .av-milestone-indicator{\nbackground-color:#0db5c0;\n}\n.avia-timeline-container.av-lnagbygb-60ec084d61c5b539c393e08d06bdd2a4 .av-milestone-article-footer{\nbackground-color:#0db5c0;\n}\n.avia-timeline-container.av-lnagbygb-60ec084d61c5b539c393e08d06bdd2a4 i.milestone-char.avia-svg-icon svg:first-child{\nfill:#ffffff;\nstroke:#ffffff;\n}\n<\/style>\n<div  id=\"avia-timeline-1\"  class='avia-timeline-container av-lnagbygb-60ec084d61c5b539c393e08d06bdd2a4 av-slideshow-ui  avia-builder-el-25  avia-builder-el-no-sibling  avia-slideshow-carousel' avia-data-slides='5'><ul class='avia-timeline avia-timeline-horizontal av-milestone-placement-top avia-timeline-boxshadow avia_animate_when_almost_visible avia-timeline-animate'>\n<li  class='av-milestone av-2l6j31a-d7f1a5accc8e52e61d27eb6b27911db4 av-animated-generic fade-in av-milestone-odd'><h2 class='av-milestone-date ' id='milestone-2002' ><strong>2002<span class='av-milestone-indicator'><\/span><\/strong><\/h2><div class=\"av-milestone-icon-wrap\"><span class='av-milestone-icon milestone_icon avia-font-entypo-fontello'><span class='av-milestone-icon-inner milestone_inner'><i class='milestone-char avia-iconfont avia-font-entypo-fontello' data-av_icon='' data-av_iconfont='entypo-fontello' ><\/i><\/span><\/span><\/div><article class='av-milestone-content-wrap'><div class='av-milestone-contentbox'><header class=\"entry-content-header\" aria-label=\"Mijlpaal: Inleiding tot de SEPA-zone\"><h4 class='av-milestone-title '>Inleiding tot de SEPA-zone<\/h4><\/header><div class='av-milestone-content'><\/div><\/div><footer class='av-milestone-article-footer entry-footer'><\/footer><\/article><\/li>\n<li  class='av-milestone av-256qrwe-3a336d04715f18ac05f4090040a3ceb2 av-animated-generic fade-in av-milestone-even'><h2 class='av-milestone-date ' id='milestone-2008' ><strong>2008<span class='av-milestone-indicator'><\/span><\/strong><\/h2><div class=\"av-milestone-icon-wrap\"><span class='av-milestone-icon milestone_icon avia-font-entypo-fontello'><span class='av-milestone-icon-inner milestone_inner'><i class='milestone-char avia-iconfont avia-font-entypo-fontello' data-av_icon='\ue830' data-av_iconfont='entypo-fontello' ><\/i><\/span><\/span><\/div><article class='av-milestone-content-wrap'><div class='av-milestone-contentbox'><header class=\"entry-content-header\" aria-label=\"Mijlpaal: SCT\"><h4 class='av-milestone-title '>SCT<\/h4><\/header><div class='av-milestone-content'><p>SEPA Credit Transfer<\/p>\n<p>= SEPA-overschrijving<\/p>\n<\/div><\/div><footer class='av-milestone-article-footer entry-footer'><\/footer><\/article><\/li>\n<li  class='av-milestone av-66svwe-3bacead7b4bc36b6ba517a18e8311916 av-animated-generic fade-in av-milestone-odd'><h2 class='av-milestone-date ' id='milestone-2009' ><strong>2009<span class='av-milestone-indicator'><\/span><\/strong><\/h2><div class=\"av-milestone-icon-wrap\"><span class='av-milestone-icon milestone_icon avia-font-entypo-fontello'><span class='av-milestone-icon-inner milestone_inner'><i class='milestone-char avia-iconfont avia-font-entypo-fontello' data-av_icon='\ue832' data-av_iconfont='entypo-fontello' ><\/i><\/span><\/span><\/div><article class='av-milestone-content-wrap'><div class='av-milestone-contentbox'><header class=\"entry-content-header\" aria-label=\"Mijlpaal: SDD\"><h4 class='av-milestone-title '>SDD<\/h4><\/header><div class='av-milestone-content'><p>SEPA Direct Debit<\/p>\n<p>= SEPA-domicili\u00ebring<\/p>\n<\/div><\/div><footer class='av-milestone-article-footer entry-footer'><\/footer><\/article><\/li>\n<li  class='av-milestone av-1225bry-f75c25208243a0aba70210cd134b7ebc av-animated-generic fade-in av-milestone-even'><h2 class='av-milestone-date ' id='milestone-2017' ><strong>2017<span class='av-milestone-indicator'><\/span><\/strong><\/h2><div class=\"av-milestone-icon-wrap\"><span class='av-milestone-icon milestone_icon avia-font-font-awesome'><span class='av-milestone-icon-inner milestone_inner'><i class='milestone-char avia-iconfont avia-font-font-awesome' data-av_icon='\uf197' data-av_iconfont='font-awesome' ><\/i><\/span><\/span><\/div><article class='av-milestone-content-wrap'><div class='av-milestone-contentbox'><header class=\"entry-content-header\" aria-label=\"Mijlpaal: SCT Inst\"><h4 class='av-milestone-title '>SCT Inst<\/h4><\/header><div class='av-milestone-content'><p>SEPA Credit Transfer Instant<\/p>\n<p>= SEPA-instantoverschrijving<\/p>\n<\/div><\/div><footer class='av-milestone-article-footer entry-footer'><\/footer><\/article><\/li>\n<li  class='av-milestone av-sa5uxq-1ad046a259e62a502ae35c53599d7345 av-animated-generic fade-in av-milestone-odd'><h2 class='av-milestone-date ' id='milestone-2022' ><strong>2022<span class='av-milestone-indicator'><\/span><\/strong><\/h2><div class=\"av-milestone-icon-wrap\"><span class='av-milestone-icon milestone_icon avia-font-entypo-fontello'><span class='av-milestone-icon-inner milestone_inner'><i class='milestone-char avia-iconfont avia-font-entypo-fontello' data-av_icon='\ue8c6' data-av_iconfont='entypo-fontello' ><\/i><\/span><\/span><\/div><article class='av-milestone-content-wrap'><div class='av-milestone-contentbox'><header class=\"entry-content-header\" aria-label=\"Mijlpaal: Normalisation SCT Inst \"><h4 class='av-milestone-title '>Normalisation SCT Inst <\/h4><\/header><div class='av-milestone-content'><\/div><\/div><footer class='av-milestone-article-footer entry-footer'><\/footer><\/article><\/li>\n<\/ul><div class='avia-slideshow-arrows avia-slideshow-controls av-timeline-nav ' ><a href='#prev' class='prev-slide prev-slide av-timeline-nav-prev av-nav-btn avia-svg-icon avia-font-svg_entypo-fontello' data-av_svg_icon='left-open-big' data-av_iconset='svg_entypo-fontello' tabindex='-1' title=\"Vorige\"><svg version=\"1.1\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"15\" height=\"32\" viewBox=\"0 0 15 32\" preserveAspectRatio=\"xMidYMid meet\" aria-labelledby='av-svg-title-7' aria-describedby='av-svg-desc-7' role=\"graphics-symbol\" aria-hidden=\"true\">\n<title id='av-svg-title-7'>Vorige<\/title>\n<desc id='av-svg-desc-7'>Vorige<\/desc>\n<path d=\"M14.464 27.84q0.832 0.832 0 1.536-0.832 0.832-1.536 0l-12.544-12.608q-0.768-0.768 0-1.6l12.544-12.608q0.704-0.832 1.536 0 0.832 0.704 0 1.536l-11.456 11.904z\"><\/path>\n<\/svg><span class='avia_hidden_link_text'>Vorige<\/span><\/a><a href='#next' class='next-slide next-slide av-timeline-nav-next av-nav-btn avia-svg-icon avia-font-svg_entypo-fontello' data-av_svg_icon='right-open-big' data-av_iconset='svg_entypo-fontello' tabindex='-1' title=\"Volgende\"><svg version=\"1.1\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"15\" height=\"32\" viewBox=\"0 0 15 32\" preserveAspectRatio=\"xMidYMid meet\" aria-labelledby='av-svg-title-8' aria-describedby='av-svg-desc-8' role=\"graphics-symbol\" aria-hidden=\"true\">\n<title id='av-svg-title-8'>Volgende<\/title>\n<desc id='av-svg-desc-8'>Volgende<\/desc>\n<path d=\"M0.416 27.84l11.456-11.84-11.456-11.904q-0.832-0.832 0-1.536 0.832-0.832 1.536 0l12.544 12.608q0.768 0.832 0 1.6l-12.544 12.608q-0.704 0.832-1.536 0-0.832-0.704 0-1.536z\"><\/path>\n<\/svg><span class='avia_hidden_link_text'>Volgende<\/span><\/a><\/div><\/div>\n\n<\/div><\/div><\/div><!-- close content main div --><\/div><\/div><div id='av_section_9'  class='avia-section av-1teptgo-515044b6abf2721875527e4cd167716e main_color avia-section-default avia-no-border-styling  avia-builder-el-26  el_after_av_section  el_before_av_section  avia-bg-style-scroll container_wrap sidebar_right'  ><div class='container av-section-cont-open' ><div class='template-page content  av-content-small alpha units'><div class='post-entry post-entry-type-page post-entry-24770'><div class='entry-content-wrapper clearfix'>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-lfjq0ke3-ef6d274375ffa27e4fb50e3ee26aeee9\">\n.flex_column.av-lfjq0ke3-ef6d274375ffa27e4fb50e3ee26aeee9{\nborder-radius:0px 0px 0px 0px;\npadding:0px 0px 0px 0px;\n}\n<\/style>\n<div  class='flex_column av-lfjq0ke3-ef6d274375ffa27e4fb50e3ee26aeee9 av_one_full  avia-builder-el-27  avia-builder-el-no-sibling  first flex_column_div av-zero-column-padding  '     ><style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-o115x8-09f3b1f9b7e6f616917a4fc00d2e9460\">\n#top .av_textblock_section.av-o115x8-09f3b1f9b7e6f616917a4fc00d2e9460 .avia_textblock{\nfont-size:16px;\n}\n<\/style>\n<section  id=\"instruments\"  class='av_textblock_section av-o115x8-09f3b1f9b7e6f616917a4fc00d2e9460 '   itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/BlogPosting\" itemprop=\"blogPost\" ><div class='avia_textblock'  itemprop=\"text\" ><h2>Wat zijn de betaalinstrumenten van SEPA?<\/h2>\n<p>In het kader van de <strong>harmonisatie van betalingen in de EU<\/strong>, bespreken we de SEPA-overschrijvingen.<\/p>\n<p>Deze betaalinstrumenten zijn geleidelijk ingevoerd in het kader van SEPA om financi\u00eble transacties in euro&#8217;s binnen de SEPA-zone te vereenvoudigen en hebben bijgedragen aan het effici\u00ebnter en uniformer maken van grensoverschrijdende betalingen:<\/p>\n<\/div><\/section><br \/>\n<div  class='tabcontainer av-lnaf9fwd-ff62f29c29e7692fcac878bb5ffd7ceb top_tab  avia-builder-el-29  el_after_av_textblock  avia-builder-el-last '>\n<section class='av_tab_section av_tab_section av-z1yv5q-23c34e748ca73dc5cee1872c4369427b'  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/BlogPosting\" itemprop=\"blogPost\" ><div id='tab-id-1-tab' class='tab active_tab' role='tab' aria-selected=\"true\" tabindex=\"0\" data-fake-id='#tab-id-1' aria-controls='tab-id-1-content'  itemprop=\"headline\" ><span class='tab_icon avia-iconfont avia-font-entypo-fontello' data-av_icon='\ue830' data-av_iconfont='entypo-fontello' ><\/span>SEPA-overschrijving<\/div><div id='tab-id-1-content' class='tab_content active_tab_content' role='tabpanel' aria-labelledby='tab-id-1-tab' aria-hidden=\"false\"><div class='tab_inner_content invers-color'  itemprop=\"text\" ><p>De SEPA-overschrijving maakt geldtransfers tussen bankrekeningen in de SEPA-zone mogelijk.<\/p>\n<p>Ook wel SCT (<strong>SEPA Credit Transfer<\/strong>) genoemd, worden betalingen in euro&#8217;s op dezelfde manier behandeld als een nationale betaling, wat grensoverschrijdende transacties vergemakkelijkt.<\/p>\n<p>De <strong>fondsen zijn dezelfde dag of de volgende dag beschikbaar op de rekening<\/strong> van de crediteur, afhankelijk van hoe de banken zijn verbonden.<\/p>\n<\/div><\/div><\/section>\n<section class='av_tab_section av_tab_section av-lnaf9evl-da507bf875c4477c86cbce9cd5b5f359'  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/BlogPosting\" itemprop=\"blogPost\" ><div id='tab-id-2-tab' class='tab' role='tab' aria-selected=\"false\" tabindex=\"0\" data-fake-id='#tab-id-2' aria-controls='tab-id-2-content'  itemprop=\"headline\" ><span class='tab_icon avia-iconfont avia-font-entypo-fontello' data-av_icon='\ue832' data-av_iconfont='entypo-fontello' ><\/span>SEPA-domicili\u00ebring<\/div><div id='tab-id-2-content' class='tab_content' role='tabpanel' aria-labelledby='tab-id-2-tab' aria-hidden=\"true\"><div class='tab_inner_content invers-color'  itemprop=\"text\" ><p>De <a href=\"\/nl\/sepa-domiciliering-alles-wat-u-moet-weten\/\">SEPA-domicili\u00ebring<\/a> (SEPA Direct Debit &#8211; SDD, ook wel SEPA-bankdomicili\u00ebring genoemd) stelt bedrijven in staat betalingen rechtstreeks van de bankrekeningen van hun klanten te innen, mits zij beschikken over <strong>een conform SDD-mandaat<\/strong>.<\/p>\n<p>Dit <a href=\"\/nl\/sepa-mandaat-europese-domiciliering\/\">SDD-mandaat<\/a> is een <strong>officieel document<\/strong> dat moet worden ondertekend en beheerd door de factuurverstrekker, zodat deze gemachtigd is om de fondsen rechtstreeks van de rekening van de betaler te innen. Dit document kan ook in elektronische vorm worden opgesteld. Dit wordt dan een <strong>SEPA e-Mandaat<\/strong> genoemd. Het stelt een klant in staat om zijn toestemming voor een SEPA-domicili\u00ebring elektronisch te geven.<\/p>\n<p>Het SDD-mandaat kan <strong>terugkerend<\/strong> zijn, bijvoorbeeld om elke maand een factuurverstrekker te betalen, of <strong>eenmalig<\/strong> voor een eenmalige incasso in de toekomst.<\/p>\n<p>Andere SDD-mandaat schema&#8217;s kunnen ook worden gebruikt in specifieke gevallen, zoals het <strong>CORE-schema<\/strong> (voornamelijk voor incasso&#8217;s van particuliere rekeningen) of het B2B-schema (voor incasso&#8217;s van zakelijke rekeningen).<\/p>\n<\/div><\/div><\/section>\n<section class='av_tab_section av_tab_section av-nx5upq-a4bb661bb6155cddd9de496f6b38c856'  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/BlogPosting\" itemprop=\"blogPost\" ><div id='tab-id-3-tab' class='tab' role='tab' aria-selected=\"false\" tabindex=\"0\" data-fake-id='#tab-id-3' aria-controls='tab-id-3-content'  itemprop=\"headline\" ><span class='tab_icon avia-iconfont avia-font-entypo-fontello' data-av_icon='\ue831' data-av_iconfont='entypo-fontello' ><\/span>SEPA-instantoverschrijving<\/div><div id='tab-id-3-content' class='tab_content' role='tabpanel' aria-labelledby='tab-id-3-tab' aria-hidden=\"true\"><div class='tab_inner_content invers-color'  itemprop=\"text\" ><p>Om de snelheid van SEPA-overschrijvingen te verbeteren, werden instant overschrijvingen, ook wel <strong>SCT Inst (SEPA Instant Credit Transfer)<\/strong> genoemd, in november 2017 ge\u00efntroduceerd voor bedragen tot maximaal 100.000 \u20ac. Dankzij deze instant SEPA-overschrijvingen zijn de fondsen <strong>binnen 10 seconden beschikbaar<\/strong> op de rekening van de crediteur.<\/p>\n<p>Naast de snelheid is het grote voordeel de <strong>toegankelijkheid<\/strong>, namelijk 24 uur per dag, 7 dagen per week, het hele jaar door. Ter vergelijking: de huidige termijn voor een klassieke SEPA-overschrijving is \u00e9\u00e9n werkdag.<\/p>\n<p>Let wel, de meeste banken brengen kosten in rekening voor dit type instant overschrijving: de gemiddelde kostprijs van een <strong>instant overschrijving<\/strong> ligt rond de \u00e9\u00e9n euro.<\/p>\n<\/div><\/div><\/section>\n<\/div><\/p><\/div>\n\n<\/div><\/div><\/div><!-- close content main div --><\/div><\/div><div id='av_section_10'  class='avia-section av-n77cqm-d810e6a1ce47b52b7386a173be763452 main_color avia-section-default avia-no-border-styling  avia-builder-el-30  el_after_av_section  avia-builder-el-last  avia-bg-style-scroll container_wrap sidebar_right'  ><div class='container av-section-cont-open' ><div class='template-page content  av-content-small alpha units'><div class='post-entry post-entry-type-page post-entry-24770'><div class='entry-content-wrapper clearfix'>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-lfjq3cfx-abd1f791662576843eb656460df4ace3\">\n.flex_column.av-lfjq3cfx-abd1f791662576843eb656460df4ace3{\nborder-radius:5px 5px 5px 5px;\npadding:30px 30px 30px 30px;\nbackground-color:#0db5c0;\n}\n<\/style>\n<div  id=\"open-banking-digiteal\"  class='flex_column av-lfjq3cfx-abd1f791662576843eb656460df4ace3 av_one_full  avia-builder-el-31  avia-builder-el-no-sibling  first flex_column_div  '     ><style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-lfjpxr4z-45fe94d75f90507147a03810d2c30880\">\n#top .av_textblock_section.av-lfjpxr4z-45fe94d75f90507147a03810d2c30880 .avia_textblock{\nfont-size:16px;\ncolor:#ffffff;\n}\n<\/style>\n<section  class='av_textblock_section av-lfjpxr4z-45fe94d75f90507147a03810d2c30880 '   itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/BlogPosting\" itemprop=\"blogPost\" ><div class='avia_textblock av_inherit_color'  itemprop=\"text\" ><h2>Kies Digiteal voor al uw betalingen in de SEPA-zone<\/h2>\n<p>Digiteal kan u helpen <strong>ten volle te profiteren van de voordelen van SEPA<\/strong> door u innovatieve oplossingen en diensten aan te bieden die gebaseerd zijn op de principes van Europese standaarden en <a href=\"\/nl\/open-banking\/\">Open Banking<\/a>.<\/p>\n<p>Dit kan snellere, goedkopere en veiligere transacties omvatten, evenals een betere financi\u00eble beheersing en homogenisering.<\/p>\n<p>Neem contact met ons op om te weten hoe wij u kunnen helpen in het kader van SEPA.<\/p>\n<\/div><\/section><br \/>\n<div  class='avia-button-wrap av-lna293uf-3f9b01257464b20aa2b4edf9893b854e-wrap avia-button-center  avia-builder-el-33  el_after_av_textblock  avia-builder-el-last '>\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-lna293uf-3f9b01257464b20aa2b4edf9893b854e\">\n#top #wrap_all .avia-button.av-lna293uf-3f9b01257464b20aa2b4edf9893b854e{\nfont-size:16px;\nbackground-color:#ffcd19;\nborder-color:#ffcd19;\ncolor:#ffffff;\ntransition:all 0.4s ease-in-out;\n}\n#top #wrap_all .avia-button.av-lna293uf-3f9b01257464b20aa2b4edf9893b854e .avia-svg-icon svg:first-child{\nfill:#ffffff;\nstroke:#ffffff;\n}\n<\/style>\n<a href='https:\/\/www.digiteal.eu\/contact\/'  class='avia-button av-lna293uf-3f9b01257464b20aa2b4edf9893b854e av-link-btn avia-icon_select-no avia-size-large avia-position-center'   aria-label=\"CONTACTEER ONS\"><span class='avia_iconbox_title' >CONTACTEER ONS<\/span><\/a><\/div><\/p><\/div>\n<\/div><\/div><\/div><!-- close content main div --><\/div><\/div><div id='after_section_10'  class='main_color av_default_container_wrap container_wrap sidebar_right'  ><div class='container av-section-cont-open' ><div class='template-page content  av-content-small alpha units'><div class='post-entry post-entry-type-page post-entry-24770'><div class='entry-content-wrapper clearfix'>\n","protected":false},"excerpt":{"rendered":"<p>SEPA is een Europese financi\u00eble regeling die is ontworpen om grensoverschrijdende betalingen te harmoniseren, met de euro als centraal element.<\/p>\n","protected":false},"author":8,"featured_media":23244,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[172,134,193],"tags":[310,309,305,306,308,312,311,307,295],"class_list":["post-24770","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-betaling","category-fondsen","category-open-banking-nl","tag-de-euro","tag-euro-nl","tag-europa","tag-europese-regelgeving","tag-europese-unie","tag-finance-nl","tag-geld","tag-regelgeving","tag-sepa-nl"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.7 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Wat is SEPA? 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