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Creditor Identifier (CID)

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To get started with SEPA Direct Debit, any company or institution needs to get a Creditor ID (CID). This CID identifies a Creditor independently from its relationship with any creditor bank. The CID is standardized, unchanging and unique to each creditor (each CID refers to one Creditor only).

It also allows a debtor to:

  • verify a SEPA Direct Debit transaction
  • ask for a refund or initiate a dispute with the right Creditor
  • check a mandate 

A SDD mandate is properly identified using the combination of a Creditor ID (CID) + a Unique Mandate Reference (UMR). It forms the unique SDD mandate key.

The CID structure may differ from one country to another in the SEPA zone. The SEPA SDD Scheme allows the use of existing national identifiers to build a SEPA CID by adding a country code and a check digit.

The general structure of a CID is:


Each country within the SEPA Direct Debit Scheme has its own specific procedure and issuing entity for providing a CID to a Creditor.

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