The SEPA IBAN-Only (SEPAIO) Directory provides Payment Service Providers (PSPs) with a utility for deriving the BIC from the IBAN for SEPA payments in the UK.

Payments UK owns the Directory that SWIFT developed and built through its SWIFTRef reference data platform. Under the SEPA Regulation (EU) No 260/2012, there is a requirement for PSPs that are currently reachable for euro credit transfers or direct debits to meet the reachability requirements in the Regulation. The Directory helps UK PSPs to comply, by ensuring the correct BIC can be derived from a given GB IBAN.

The data in the Directory is supplied and validated by participant PSPs, and accounts for over 97% of UK SEPA Reachable BICs listed. See below for a list of current participants.

Information on how to use the directory, become a participant PSP or subscribe to use the data in the Directory is given below. 

If you are interested in participating or subscribing, please contact


Who we work with

In order to find the UK SEPA BIC for an individual IBAN please use the SEPAIO look up utility.

The vast majority of SEPA reachable UK PSPs participate in this Directory, which represents over 97% of UK SEPA reachable BICs. It is the most accurate source of UK SEPA BIC data as it is maintained, validated and updated regularly by participant PSPs.


If you are a UK SEPA reachable PSP, or are planning to become SEPA reachable, you should consider participating in the SEPA IBAN-only Directory. 

About us

The SEPAIO Directory holds over 18,500 Participant PSP SEPA BIC records and can be downloaded as a Directory File (monthly or daily) or can be accessed via API subject to an annual subscription fee.

Annual review

The European Payments Council’s website offers further information regarding the SEPA IBAN-Only requirement. Payments UK also provides useful information on IBANs and the SEPA scheme.