Definition of the SEPA Creditor Identifier
The SEPA Creditor Identifier is a unique and mandatory reference when concluding a SEPA Direct Debit mandate. It must appear in any direct debit application. Its main purpose is to allow each creditor, who may be located in any SEPA country, and their bank to know the precise identity of the issuer of the direct debit. This facilitates claims for reimbursement or action in the event of a complaint. The CSI is structured in 4 parts. Its length varies from country to country, but never exceeds 35 characters. It is composed of the following elements:
- Digits 1 and 2: ISO country code (FR for France)
- Numbers 3 and 4: 2 control numbers
- Figures 5 to 7: Activity code that can be freely used by the creditor
- Figures 8 to 28: National identifier. This is the NNE (National Issuer Number), 13 characters long in France, formerly used for national debits.