Creditor Identifier (Creditor ID) Validator

Check if a Spanish SEPA creditor identifier is valid. Verifies format (ES + 2 CD + 3 suffix + NIF), check digits and NIF type.

The SEPA creditor identifier

What is the SEPA creditor identifier?

It's a unique code identifying the creditor in the SEPA scheme. In Spain: ES + 2 check digits + 3 suffix characters + 9 NIF/CIF characters.

How do I get one?

The Creditor ID is requested from the bank through which you'll submit remittances. It's usually part of the direct debit service setup.

Where to request it?

From your bank. Each bank has its own process, but generally requires the entity's NIF/CIF and corporate documentation.

What's the difference from the NIF?

The NIF identifies the natural or legal person. The Creditor ID is an additional SEPA-specific identifier that includes the NIF but adds a country prefix, check digits and suffix.

Related tools

Creditor ID Generator

Calculate the SEPA creditor identifier from your NIF/CIF.
NIF/CIF/NIE Validator

Validate format and check letter of Spanish NIF, CIF and NIE.
IBAN Validator

Validate Spanish IBAN: format, check digits and bank identification.

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