Creditor identification number

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The creditor identification number ( English Creditor Identifier , CI) is used in the common European payment area (SEPA) is independent of a particular account of the unique identification of the creditor under the SEPA direct debit scheme . Creditors who want to use the direct debit procedure must have their own identification number as a feature. Together with the mandate reference , this enables the mandate of a direct debit to be clearly identified .


SEPA-wide, the creditor identification number is a maximum of 35 characters and has the following structure:

  • Digits 1–2: respective ISO country code (2 digits, e.g. DE, AT, etc.),
  • Digits 3–4: check number (2 digits analogous to the IBAN check number according to ISO 13616: 2007),
  • Digits 5–7: alphanumeric, three-digit business area identifier ( Creditor Business Code ), which the creditor himself, e.g. B. can be assigned / applied for to identify individual business areas, branches, etc., and which is not included in the check digit calculation,
  • Digits 8–35 (max.): National identifier.

The length of the national identifier can vary and is a maximum of 28 characters. The following characters may appear from position 5:

  • Letters a – z A – Z
  • Digits 0-9
  • further characters: +? / -: (). , '

Creditor ID in different countries

country Type of creditor length structure Application via Awarded by
Germany Individuals and companies 18th DE pp ZZZ 0 nnnnnnnnnn Central Bank ( Deutsche Bundesbank ) Central Bank ( Deutsche Bundesbank )
Austria Individuals and companies 18th AT pp ZZZ 0 nnnnnnnnnn House bank Central Bank ( Oesterreichische Nationalbank )
Switzerland Individuals and companies 18th CH pp ZZZ nnnnnnnnnnn Credit institution from the SEPA zone National clearing system ( SIX Interbank Clearing )
Belgium Companies 17th BE pp ZZZ nnnnnnnnnn House bank No central registry
Private individuals 20th BE pp ZZZ bbb D nnnnnnnnn House bank No central registry

AD, BE, ... country code
pp two-digit checksum
Z   alphanumeric, three-digit business area identifier (creditor business code)
n   national identification   feature (numeric)
b internal bank code (numeric)
X   fixed default value (as stated in the structure)

Check digit

Only the digits from the eighth digit up to and including the last digit are used to calculate the check digit. In the next step, all non-alphanumeric characters are removed, the ISO-3166-1 country code in ALPHA-2 format is added to the end of the character string, followed by two zeros. All alphabetic characters are now converted into numbers, whereby the definition is that “A” has the value 10 and “Z” the value 35. Finally, this number, which can now be up to 60 digits long, is used with MOD 97 -10 charged. In the case of the test check digit mentioned below, the invoice was .


Such an identifier is new in Germany. In Germany, the creditor identification number is issued by the Deutsche Bundesbank in coordination with the Deutsche Kreditwirtschaft using a free, electronic application process.

The creditor identification number in Germany is exactly 18 digits long. The Bundesbank prefixes the business area identifier with ZZZ if a direct debit creditor does not specify a different value. The Bundesbank assigns an eleven-digit number as a national identification feature, the highest digit of which is always 0 until further notice. Overall, this results in the following structure:

  • DEppZZZ0nnnnnnnnnn

For test purposes, the Bundesbank provides the following test creditor identification number with the correct verification number:

  • DE98ZZZ09999999999


In Austria, the creditor identification (CID) is also 18 digits long, the 11-digit number range always begins with a zero. The ID is issued by the National Bank, but must be applied for from the house bank.

Application for a creditor identification number

In Germany, the number is requested from the Deutsche Bundesbank. In Belgium , England , France , Greece , Ireland , Lithuania , Luxembourg , Austria , Portugal , Switzerland , Slovakia , the Czech Republic and Cyprus , the creditor identification number is requested from the house bank .

No statement could be made in mid-2012 for applications in other countries. The place of residence or the company headquarters is decisive for the place of application.

Individual evidence

  1. ^ Creditor identification number at the Deutsche Bundesbank. Retrieved August 21, 2019.
  2. SEPA at the Deutsche Bundesbank. Retrieved April 3, 2017.
  3. SEPA core direct debit sheme inter-interbank implementation guidelines. (PDF; 1.0 MB) European Payments Committee , January 26, 2015, p. 9 , accessed on February 24, 2020 (English).
  4. a b Application for the creditor identification number. In: Deutsche Bundesbank . May 21, 2012, accessed March 3, 2020 .
  5. Creditor ID. In: Oesterreichische Nationalbank . Retrieved on March 3, 2020 (Austrian German): "The application for a CID can only be submitted by the creditor's house bank; a direct application by the creditor to the OeNB is not possible."