Creditor Identifier Generator

Enter your NIF/CIF and suffix to calculate the complete SEPA creditor identifier with correct check digits.

Usually '000'. May vary if you have multiple contracts.

How to calculate your Creditor ID

How are check digits calculated?

Form the string NIF + 'ES00', convert each letter to its numeric value (A=10, B=11...), calculate modulo 97 of the result, and the CD is 98 minus that modulo.

What is the suffix for?

The suffix (usually '000') allows a creditor to have multiple Creditor IDs. Useful for multiple direct debit contracts with different banks or business lines.

Can I have multiple Creditor IDs?

Yes. By changing the suffix (001, 002...) you can generate several identifiers for the same entity. Each will have different check digits.

Related tools

Creditor ID Validator

Validate the Spanish SEPA creditor identifier.
NIF/CIF/NIE Validator

Validate format and check letter of Spanish NIF, CIF and NIE.
SEPA Mandate Template

Generate a SEPA mandate PDF with all EPC-required fields.

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