{"id":3887,"date":"2026-08-13T09:47:10","date_gmt":"2026-08-13T01:47:10","guid":{"rendered":"https:\/\/www.88mso.com\/?p=3887"},"modified":"2026-08-30T21:25:13","modified_gmt":"2026-08-30T13:25:13","slug":"europe-iban-sepa-guide","status":"publish","type":"post","link":"https:\/\/www.88mso.com\/europe-iban-sepa-guide\/","title":{"rendered":"\u6b27\u6d32\u94f6\u884c\u5f00\u6237\u5b9e\u64cd\uff1aIBAN\u5b9e\u4f53\u8d26\u6237\u7533\u8bf7\u4e0eSEPA\u6e05\u7b97\u7f51\u7edc\u63a5\u5165\u6307\u5357"},"content":{"rendered":"<h2><a href=\"https:\/\/finance.ec.europa.eu\/banking\/banking-regulation\/deposit-guarantee-schemes_en\" target=\"_blank\" rel=\"noopener noreferrer\">\u6b27\u6d32\u94f6\u884c<\/a>\u5f00\u6237\u4e3a\u4f55\u6210\u4e3a\u8de8\u5883\u4f01\u4e1a\u7684\u201c\u57fa\u7840\u8bbe\u65bd\u201d<\/h2>\n<p>\u5728\u8de8\u5883\u8d38\u6613\u3001\u6d77\u5916\u7535\u5546\u3001SaaS\u8ba2\u9605\u3001\u6570\u5b57\u8d44\u4ea7\u5408\u89c4\u53d8\u73b0\u7b49\u573a\u666f\u4e2d\uff0c<strong>\u6b27\u6d32\u672c\u5730\u94f6\u884c\u8d26\u6237\uff08\u5c24\u5176\u662f\u5177\u5907IBAN\u7684\u5b9e\u4f53\u8d26\u6237\uff09<\/strong>\u6b63\u4ece\u201c\u53ef\u9009\u9879\u201d\u53d8\u6210\u201c\u5fc5\u9009\u9879\u201d\u3002\u539f\u56e0\u5f88\u76f4\u63a5\uff1a\u6b27\u6d32\u5ba2\u6237\u3001\u5408\u4f5c\u4f19\u4f34\u548c\u652f\u4ed8\u673a\u6784\u66f4\u504f\u597dSEPA\u4f53\u7cfb\u5185\u7684\u672c\u5730\u8f6c\u8d26\uff1b\u540c\u65f6\uff0c\u62e5\u6709\u7a33\u5b9a\u7684\u6b27\u5143\u6536\u4ed8\u6b3e\u901a\u9053\uff0c\u4e5f\u80fd\u663e\u8457\u964d\u4f4e\u4e2d\u95f4\u884c\u8d39\u7528\u3001\u7f29\u77ed\u7ed3\u7b97\u5468\u671f\u5e76\u63d0\u5347\u8d44\u91d1\u900f\u660e\u5ea6\u3002<\/p>\n<p>\u4f46\u73b0\u5b9e\u662f\uff0c\u5f88\u591a\u4f01\u4e1a\u5728\u201c<a href=\"https:\/\/www.88mso.com\/service\/europe-bank-account\/\">\u6b27\u6d32\u94f6\u884c\u5f00\u6237<\/a>\u201d\u8fd9\u4e00\u6b65\u53cd\u590d\u53d7\u963b\uff1a\u6750\u6599\u770b\u4f3c\u9f50\u5168\u5374\u88ab\u62d2\u3001\u5f00\u6237\u540e\u65e0\u6cd5\u987a\u5229\u63a5\u5165SEPA\u6e05\u7b97\u3001\u8d26\u6237\u98ce\u63a7\u9891\u7e41\u89e6\u53d1\uff0c\u751a\u81f3\u51fa\u73b0\u201c\u6709IBAN\u4f46\u4e0d\u80fd\u7a33\u5b9a\u6536\u6b3e\u201d\u7684\u5c34\u5c2c\u5c40\u9762\u3002\u95ee\u9898\u901a\u5e38\u4e0d\u5728\u201c\u6709\u6ca1\u6709\u516c\u53f8\u201d\uff0c\u800c\u5728\u4e8e<strong>\u4e1a\u52a1\u6a21\u578b\u3001\u5408\u89c4\u53d9\u4e8b\u3001\u8d44\u91d1\u8def\u5f84\u3001KYC\u8bc1\u636e\u94fe<\/strong>\u662f\u5426\u4e0e\u94f6\u884c\u7684\u98ce\u9669\u504f\u597d\u5339\u914d\u3002<\/p>\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" src=\"https:\/\/www.88mso.com\/wp-content\/uploads\/2026\/08\/europe-iban-sepa-guide-context-bilingual.webp\" alt=\"\u6b27\u6d32\u94f6\u884c\" width=\"800\" height=\"534\" class=\"wp-image-881625\" loading=\"lazy\" title=\"\" srcset=\"https:\/\/www.88mso.com\/wp-content\/uploads\/2026\/08\/europe-iban-sepa-guide-context-bilingual.webp 1000w, https:\/\/www.88mso.com\/wp-content\/uploads\/2026\/08\/europe-iban-sepa-guide-context-bilingual-300x200.webp 300w, https:\/\/www.88mso.com\/wp-content\/uploads\/2026\/08\/europe-iban-sepa-guide-context-bilingual-768x512.webp 768w\" sizes=\"auto, (max-width: 800px) 100vw, 800px\" \/><figcaption class=\"wp-element-caption\">\u6b27\u6d32\u94f6\u884c<\/figcaption><\/figure>\n<p>\u672c\u6587\u5c06\u56f4\u7ed5\u6807\u9898\u6240\u8ff0\u6838\u5fc3\u95ee\u9898\uff0c\u7cfb\u7edf\u62c6\u89e3\uff1a<strong>IBAN\u5b9e\u4f53\u8d26\u6237\u600e\u4e48\u7533\u8bf7\u3001SEPA\u6e05\u7b97\u7f51\u7edc\u5982\u4f55\u63a5\u5165\u3001\u94f6\u884c\u6700\u5173\u6ce8\u54ea\u4e9bKYC\u4e0eAML\u7ec6\u8282\u3001\u5982\u4f55\u642d\u5efa\u53ef\u6301\u7eed\u7684\u8de8\u5883\u8d44\u91d1\u5408\u89c4\u67b6\u6784<\/strong>\u3002\u5bf9\u4e8e\u8ba1\u5212\u957f\u671f\u8fd0\u8425\u6b27\u6d32\u4e1a\u52a1\u7684\u4f01\u4e1a\uff0c\u8fd9\u662f\u4e00\u4efd\u53ef\u76f4\u63a5\u843d\u5730\u7684\u5b9e\u64cd\u6307\u5357\u3002<\/p>\n<h2>\u5148\u5398\u6e05\u6982\u5ff5\uff1aIBAN\u8d26\u6237\u3001\u5b9e\u4f53\u8d26\u6237\u3001SEPA\u4e09\u8005\u5173\u7cfb<\/h2>\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" src=\"https:\/\/www.88mso.com\/wp-content\/uploads\/2026\/08\/europe-iban-sepa-guide-key-points.webp\" alt=\"\u6b27\u6d32\u94f6\u884c\u5f00\u6237\u5b9e\u64cd\u6838\u5fc3\u8981\u70b9\u3002\" width=\"800\" height=\"534\" class=\"wp-image-880892\" loading=\"lazy\" title=\"\" srcset=\"https:\/\/www.88mso.com\/wp-content\/uploads\/2026\/08\/europe-iban-sepa-guide-key-points.webp 1000w, https:\/\/www.88mso.com\/wp-content\/uploads\/2026\/08\/europe-iban-sepa-guide-key-points-300x200.webp 300w, https:\/\/www.88mso.com\/wp-content\/uploads\/2026\/08\/europe-iban-sepa-guide-key-points-768x512.webp 768w\" sizes=\"auto, (max-width: 800px) 100vw, 800px\" \/><figcaption class=\"wp-element-caption\">\u6b27\u6d32\u94f6\u884c\u5f00\u6237\u5b9e\u64cd\u6838\u5fc3\u8981\u70b9\u3002<\/figcaption><\/figure>\n<h3>1\uff09IBAN\u662f\u4ec0\u4e48\uff0c\u4e0d\u662f\u4ec0\u4e48<\/h3>\n<p>IBAN\uff08International Bank Account Number\uff09\u662f\u56fd\u9645\u94f6\u884c\u8d26\u6237\u53f7\u7801\u6807\u51c6\uff0c\u7528\u4e8e\u8de8\u5883\u4e0e\u533a\u57df\u5185\u8f6c\u8d26\u8bc6\u522b\u3002\u5b83\u672c\u8eab\u4e0d\u662f\u201c\u724c\u7167\u201d\uff0c\u4e5f\u4e0d\u5929\u7136\u4ee3\u8868\u8d26\u6237\u7a33\u5b9a\u6027\u3002\u5e02\u573a\u4e0a\u5e38\u89c1\u8bef\u533a\u662f\u201c\u53ea\u8981\u62ff\u5230IBAN\u5c31\u7b49\u4e8e\u6253\u901a\u6b27\u6d32\u6536\u6b3e\u201d\uff0c\u5b9e\u9645\u4e0a\u94f6\u884c\u66f4\u770b\u91cd\u7684\u662f\u8d26\u6237\u80cc\u540e\u7684<strong>\u4e1a\u52a1\u771f\u5b9e\u6027\u3001\u4ea4\u6613\u5408\u7406\u6027\u3001\u8d44\u91d1\u6765\u6e90\u53ef\u89e3\u91ca\u6027<\/strong>\u3002<\/p>\n<h3>2\uff09\u201c\u5b9e\u4f53\u8d26\u6237\u201d\u4e0e\u201c\u865a\u62dfIBAN\u201d\u7684\u6838\u5fc3\u5dee\u5f02<\/h3>\n<ul>\n<li><strong>\u5b9e\u4f53\u8d26\u6237\uff08Named Account\uff09<\/strong>\uff1a\u901a\u5e38\u4ee5\u516c\u53f8\u540d\u4e49\u5728\u6301\u724c\u94f6\u884c\u5f00\u7acb\uff0c\u8d26\u6237\u5f52\u5c5e\u660e\u786e\uff0c\u53ef\u627f\u8f7d\u66f4\u590d\u6742\u7684\u7ecf\u8425\u6d41\u6c34\u548c\u957f\u671f\u7ed3\u7b97\u9700\u6c42\u3002<\/li>\n<li><strong>\u865a\u62dfIBAN\uff08vIBAN\uff09<\/strong>\uff1a\u591a\u7528\u4e8e\u652f\u4ed8\u673a\u6784\u5206\u8d26\u3001\u6536\u6b3e\u8bc6\u522b\uff0c\u7075\u6d3b\u4f46\u5728\u94f6\u884c\u98ce\u63a7\u3001\u5bf9\u516c\u4fe1\u4efb\u3001\u8d44\u91d1\u6c89\u6dc0\u80fd\u529b\u4e0a\u53ef\u80fd\u4e0d\u53ca\u5b9e\u4f53\u8d26\u6237\u3002<\/li>\n<\/ul>\n<p>\u5982\u679c\u4f01\u4e1a\u76ee\u6807\u662f\u6784\u5efa\u957f\u671f\u6b27\u5143\u7ed3\u7b97\u80fd\u529b\u3001\u63d0\u5347\u5ba1\u8ba1\u53ef\u8ffd\u6eaf\u6027\u3001\u652f\u6491\u878d\u8d44\u4e0e\u7a0e\u52a1\u5b89\u6392\uff0c\u4f18\u5148\u8003\u8651<strong>\u5b9e\u4f53IBAN\u8d26\u6237<\/strong>\u901a\u5e38\u66f4\u7a33\u59a5\u3002<\/p>\n<h3>3\uff09SEPA\u7f51\u7edc\u7684\u4ef7\u503c<\/h3>\n<p>SEPA\uff08Single Euro Payments Area\uff0c\u5355\u4e00\u6b27\u5143\u652f\u4ed8\u533a\uff09\u8ba9\u6b27\u5143\u652f\u4ed8\u5728\u6210\u5458\u56fd\u5bb6\u4e4b\u95f4\u63a5\u8fd1\u201c\u672c\u5730\u8f6c\u8d26\u4f53\u9a8c\u201d\u3002\u5bf9\u4f01\u4e1a\u800c\u8a00\uff0c\u63a5\u5165SEPA\u610f\u5473\u7740\uff1a<\/p>\n<ul>\n<li>\u6b27\u5143\u8f6c\u8d26\u6210\u672c\u66f4\u53ef\u63a7\uff1b<\/li>\n<li>\u5230\u8d26\u901f\u5ea6\u66f4\u5feb\uff08\u5c24\u5176SCT Inst\u5373\u65f6\u8f6c\u8d26\u573a\u666f\uff09\uff1b<\/li>\n<li>\u5ba2\u6237\u4ed8\u6b3e\u610f\u613f\u63d0\u5347\uff08\u4f7f\u7528\u719f\u6089\u7684\u672c\u5730\u652f\u4ed8\u8f68\u9053\uff09\uff1b<\/li>\n<li>\u5bf9\u8d26\u548c\u8d44\u91d1\u5f52\u96c6\u6548\u7387\u663e\u8457\u63d0\u9ad8\u3002<\/li>\n<\/ul>\n<h2>\u5f00\u6237\u524d\u7684\u6218\u7565\u51c6\u5907\uff1a\u94f6\u884c\u4e0d\u662f\u53ea\u770b\u6587\u4ef6\uff0c\u800c\u662f\u770b\u201c\u4e1a\u52a1\u53ef\u4fe1\u5ea6\u201d<\/h2>\n<h3>1\uff09\u660e\u786e\u4f60\u7684\u8d26\u6237\u5b9a\u4f4d<\/h3>\n<p>\u5f00\u6237\u524d\u5148\u56de\u7b54\u4e09\u4e2a\u95ee\u9898\uff1a<\/p>\n<ul>\n<li>\u8d26\u6237\u7528\u4e8e<strong>\u6536\u6b3e\u4e3a\u4e3b<\/strong>\u8fd8\u662f<strong>\u6536\u4ed8\u4e00\u4f53<\/strong>\uff1f<\/li>\n<li>\u6708\u5747\u7b14\u6570\u4e0e\u5cf0\u503c\u6d41\u6c34\u5927\u6982\u591a\u5c11\uff1f<\/li>\n<li>\u4e3b\u8981\u5bf9\u624b\u65b9\u662fB2B\u4f01\u4e1a\u3001\u5e73\u53f0\u5546\u6237\u8fd8\u662f\u4e2a\u4eba\u6d88\u8d39\u8005\uff1f<\/li>\n<\/ul>\n<p>\u8fd9\u4e9b\u95ee\u9898\u5c06\u76f4\u63a5\u5f71\u54cd\u4f60\u9009\u62e9\u4f20\u7edf\u94f6\u884c\u3001\u6570\u5b57\u94f6\u884c\u6216EMI\uff08\u7535\u5b50\u8d27\u5e01\u673a\u6784\uff09\u5408\u4f5c\u8def\u5f84\u3002<\/p>\n<h3>2\uff09\u8bbe\u8ba1\u201c\u53ef\u89e3\u91ca\u201d\u7684\u8d44\u91d1\u8def\u5f84<\/h3>\n<p>\u94f6\u884c\u5ba1\u67e5\u4e2d\uff0c\u6700\u6015\u770b\u5230\u201c\u8d44\u91d1\u8def\u5f84\u8df3\u8dc3\u201d\uff1a\u5982A\u56fd\u5ba2\u6237\u4ed8\u6b3e\u3001B\u56fd\u5e73\u53f0\u4e2d\u8f6c\u3001C\u56fd\u516c\u53f8\u6536\u6b3e\u3001D\u56fd\u518d\u5206\u53d1\u3002\u8def\u5f84\u8d8a\u590d\u6742\uff0c\u8d8a\u5bb9\u6613\u89e6\u53d1\u589e\u5f3a\u5c3d\u8c03\uff08EDD\uff09\u3002\u5efa\u8bae\u63d0\u524d\u8f93\u51fa\u4e00\u9875\u8d44\u91d1\u6d41\u56fe\uff0c\u6e05\u695a\u6807\u6ce8\uff1a<\/p>\n<ul>\n<li>\u4ed8\u6b3e\u65b9\u4e0e\u6536\u6b3e\u65b9\u5173\u7cfb\uff1b<\/li>\n<li>\u5408\u540c\u5bf9\u5e94\u7684\u670d\u52a1\/\u8d27\u7269\uff1b<\/li>\n<li>\u7ed3\u7b97\u5e01\u79cd\u4e0e\u6362\u6c47\u903b\u8f91\uff1b<\/li>\n<li>\u5f02\u5e38\u9000\u6b3e\u548c\u62d2\u4ed8\u5904\u7406\u6d41\u7a0b\u3002<\/li>\n<\/ul>\n<h3>3\uff09\u51c6\u5907\u201c\u5206\u5c42\u6750\u6599\u5305\u201d\u800c\u975e\u4e00\u6b21\u6027\u5806\u6587\u4ef6<\/h3>\n<p>\u6210\u719f\u505a\u6cd5\u662f\u6309\u94f6\u884c\u5ba1\u67e5\u903b\u8f91\u7ec4\u7ec7\u6750\u6599\uff0c\u800c\u4e0d\u662f\u6309\u516c\u53f8\u5185\u90e8\u6587\u4ef6\u5939\u4e0a\u4f20\u3002\u5efa\u8bae\u5206\u56db\u5c42\uff1a<\/p>\n<ul>\n<li><strong>\u4e3b\u4f53\u5c42<\/strong>\uff1a\u516c\u53f8\u6ce8\u518c\u6587\u4ef6\u3001\u7ae0\u7a0b\u3001\u8463\u4e8b\u80a1\u4e1c\u4fe1\u606f\u3001UBO\u62ab\u9732\uff1b<\/li>\n<li><strong>\u4e1a\u52a1\u5c42<\/strong>\uff1a\u5b98\u7f51\u3001\u4ea7\u54c1\u8bf4\u660e\u3001\u5408\u540c\u6837\u672c\u3001\u53d1\u7968\u6837\u672c\u3001\u5ba2\u6237\u6e05\u5355\uff1b<\/li>\n<li><strong>\u5408\u89c4\u5c42<\/strong>\uff1aKYC\/AML\u653f\u7b56\u3001\u5236\u88c1\u7b5b\u67e5\u6d41\u7a0b\u3001\u4ea4\u6613\u76d1\u63a7\u673a\u5236\uff1b<\/li>\n<li><strong>\u8d22\u52a1\u5c42<\/strong>\uff1a\u5386\u53f2\u6d41\u6c34\u3001\u5ba1\u8ba1\u62a5\u544a\u3001\u7a0e\u52a1\u7533\u62a5\u6216\u7ba1\u7406\u62a5\u8868\u3002<\/li>\n<\/ul>\n<h2>IBAN\u5b9e\u4f53\u8d26\u6237\u7533\u8bf7\u5168\u6d41\u7a0b\uff08\u53ef\u6267\u884c\u7248\uff09<\/h2>\n<h3>\u6b65\u9aa4\u4e00\uff1a\u94f6\u884c\u7b5b\u9009\u4e0e\u98ce\u9669\u5339\u914d<\/h3>\n<p>\u4e0d\u8981\u53ea\u770b\u201c\u80fd\u5426\u5f00\u6237\u201d\uff0c\u8981\u770b\u201c\u5f00\u6237\u540e\u80fd\u5426\u957f\u671f\u7a33\u5b9a\u4f7f\u7528\u201d\u3002\u5efa\u8bae\u4ece\u4ee5\u4e0b\u7ef4\u5ea6\u6bd4\u5bf9\uff1a<\/p>\n<ul>\n<li>\u662f\u5426\u652f\u6301\u4f60\u7684\u884c\u4e1a\uff08\u5982\u8de8\u5883\u7535\u5546\u3001\u54a8\u8be2\u3001\u8f6f\u4ef6\u670d\u52a1\u3001\u91d1\u878d\u76f8\u5173\u4e1a\u52a1\uff09\uff1b<\/li>\n<li>\u662f\u5426\u63a5\u53d7\u975e\u672c\u5730\u80a1\u4e1c\/\u8463\u4e8b\u7ed3\u6784\uff1b<\/li>\n<li>\u662f\u5426\u652f\u6301\u8fdc\u7a0b\u5f00\u6237\u6216\u89c6\u9891\u89c1\u8bc1\uff1b<\/li>\n<li>\u8d39\u7528\u7ed3\u6784\uff08\u5f00\u6237\u8d39\u3001\u8d26\u6237\u7ef4\u62a4\u8d39\u3001\u8f6c\u8d26\u8d39\u3001\u62d2\u4ed8\u8d39\uff09\uff1b<\/li>\n<li>\u98ce\u63a7\u7b56\u7565\uff08\u9650\u989d\u3001\u51bb\u7ed3\u89e6\u53d1\u6761\u4ef6\u3001\u6750\u6599\u8865\u4ef6\u5468\u671f\uff09\u3002<\/li>\n<\/ul>\n<h3>\u6b65\u9aa4\u4e8c\uff1a\u63d0\u4ea4\u9884\u5ba1\u8d44\u6599\uff08Pre-screening\uff09<\/h3>\n<p>\u9884\u5ba1\u73af\u8282\u51b3\u5b9a\u4e86\u540e\u7eed\u6548\u7387\u3002\u5efa\u8bae\u63d0\u4ea4\u7b80\u6d01\u4f46\u6709\u8bf4\u670d\u529b\u7684\u201c\u5546\u4e1a\u8bf4\u660e\u5305\u201d\uff0c\u5305\u62ec\uff1a<\/p>\n<ul>\n<li>\u516c\u53f8\u4e1a\u52a1\u7b80\u4ecb\uff08\u907f\u514d\u7a7a\u6cdb\u53e3\u53f7\uff0c\u7a81\u51fa\u6536\u5165\u6765\u6e90\uff09\uff1b<\/li>\n<li>\u76ee\u6807\u5e02\u573a\u548c\u5ba2\u6237\u753b\u50cf\uff1b<\/li>\n<li>\u9884\u4f30\u4ea4\u6613\u91cf\u4e0e\u5355\u7b14\u91d1\u989d\u533a\u95f4\uff1b<\/li>\n<li>\u8d44\u91d1\u6765\u6e90\u8bf4\u660e\u4e0e\u53d7\u76ca\u6240\u6709\u4eba\u80cc\u666f\uff1b<\/li>\n<li>\u5b98\u7f51\u4e0e\u516c\u5f00\u4fe1\u606f\u4e00\u81f4\u6027\u8bc1\u660e\u3002<\/li>\n<\/ul>\n<h3>\u6b65\u9aa4\u4e09\uff1a\u6b63\u5f0fKYC\u5c3d\u804c\u8c03\u67e5<\/h3>\n<p>\u94f6\u884c\u4f1a\u91cd\u70b9\u5ba1\u67e5\u4ee5\u4e0b\u95ee\u9898\uff1a<\/p>\n<ul>\n<li><strong>UBO\u900f\u660e\u5ea6<\/strong>\uff1a\u662f\u5426\u5b58\u5728\u591a\u5c42\u79bb\u5cb8\u67b6\u6784\u4e14\u89e3\u91ca\u4e0d\u8db3\uff1b<\/li>\n<li><strong>\u4e1a\u52a1\u771f\u5b9e\u6027<\/strong>\uff1a\u5408\u540c\u3001\u53d1\u7968\u3001\u7269\u6d41\/\u4ea4\u4ed8\u8bc1\u636e\u80fd\u5426\u95ed\u73af\uff1b<\/li>\n<li><strong>\u4ea4\u6613\u5408\u7406\u6027<\/strong>\uff1a\u91d1\u989d\u3001\u9891\u7387\u3001\u5730\u533a\u4e0e\u4e1a\u52a1\u6a21\u578b\u662f\u5426\u5339\u914d\uff1b<\/li>\n<li><strong>\u9ad8\u98ce\u9669\u66b4\u9732<\/strong>\uff1a\u662f\u5426\u6d89\u53ca\u5236\u88c1\u56fd\u5bb6\u3001\u654f\u611f\u884c\u4e1a\u6216\u9ad8\u62d2\u4ed8\u4e1a\u52a1\u3002<\/li>\n<\/ul>\n<p>\u6b64\u9636\u6bb5\u6700\u5e38\u89c1\u5931\u8d25\u539f\u56e0\u4e0d\u662f\u201c\u6750\u6599\u7f3a\u5931\u201d\uff0c\u800c\u662f\u201c\u53d9\u4e8b\u77db\u76fe\u201d\uff1a\u5b98\u7f51\u5199B2B\uff0c\u4f46\u6d41\u6c34\u662f\u5927\u91cf\u4e2a\u4eba\u5c0f\u989d\uff1b\u7533\u62a5\u6b27\u76df\u5e02\u573a\uff0c\u5b9e\u9645\u4ea4\u6613\u96c6\u4e2d\u5728\u9ad8\u98ce\u9669\u5730\u533a\u3002\u52a1\u5fc5\u4fdd\u8bc1\u6240\u6709\u5bf9\u5916\u4fe1\u606f\u524d\u540e\u4e00\u81f4\u3002<\/p>\n<h3>\u6b65\u9aa4\u56db\uff1a\u9762\u8c08\u4e0e\u8865\u4ef6<\/h3>\n<p>\u82e5\u8fdb\u5165\u9762\u8c08\uff0c\u901a\u5e38\u610f\u5473\u7740\u94f6\u884c\u6709\u610f\u5411\u5408\u4f5c\u3002\u9762\u8c08\u56de\u7b54\u5efa\u8bae\u9075\u5faa\u201c\u5177\u4f53\u3001\u53ef\u91cf\u5316\u3001\u53ef\u9a8c\u8bc1\u201d\uff1a<\/p>\n<ul>\n<li>\u5ba2\u6237\u6765\u6e90\u6e20\u9053\uff08\u5e73\u53f0\u3001\u6e20\u9053\u5546\u3001\u76f4\u5ba2\u6bd4\u4f8b\uff09\uff1b<\/li>\n<li>\u524d6-12\u4e2a\u6708\u4ea4\u6613\u91cf\u9884\u6d4b\u4e0e\u5b63\u8282\u6027\u6ce2\u52a8\uff1b<\/li>\n<li>\u5f02\u5e38\u4ea4\u6613\u5904\u7406\u673a\u5236\uff08\u4eba\u5de5\u590d\u6838\u3001\u9650\u989d\u3001\u9ed1\u540d\u5355\uff09\uff1b<\/li>\n<li>\u672a\u6765\u662f\u5426\u65b0\u589e\u56fd\u5bb6\/\u4ea7\u54c1\u7ebf\u3002<\/li>\n<\/ul>\n<h3>\u6b65\u9aa4\u4e94\uff1a\u5f00\u6237\u843d\u5730\u4e0e\u6743\u9650\u914d\u7f6e<\/h3>\n<p>\u8d26\u6237\u5f00\u7acb\u540e\uff0c\u4e0d\u8981\u6025\u4e8e\u5927\u989d\u5165\u91d1\u3002\u5148\u5b8c\u6210\uff1a<\/p>\n<ul>\n<li>\u7f51\u94f6\u6743\u9650\u5206\u7ea7\uff08\u7ecf\u529e\u3001\u590d\u6838\u3001\u6388\u6743\u5206\u79bb\uff09\uff1b<\/li>\n<li>\u53d7\u76ca\u8d26\u6237\u767d\u540d\u5355\uff1b<\/li>\n<li>\u901a\u77e5\u4e0e\u62a5\u8b66\u673a\u5236\uff08\u5927\u989d\u3001\u9891\u7e41\u3001\u5f02\u5e38\u65f6\u6bb5\u4ea4\u6613\uff09\uff1b<\/li>\n<li>\u5bf9\u8d26\u6a21\u677f\u4e0e\u6708\u5ea6\u5408\u89c4\u590d\u76d8\u673a\u5236\u3002<\/li>\n<\/ul>\n<h2>SEPA\u6e05\u7b97\u7f51\u7edc\u63a5\u5165\uff1a\u4ece\u201c\u80fd\u8f6c\u8d26\u201d\u5230\u201c\u53ef\u89c4\u6a21\u5316\u7ed3\u7b97\u201d<\/h2>\n<h3>SEPA\u4e3b\u8981\u8f68\u9053\u53ca\u573a\u666f<\/h3>\n<ul>\n<li><strong>SCT<\/strong>\uff08Credit Transfer\uff09\uff1a\u6807\u51c6\u6b27\u5143\u8f6c\u8d26\uff0c\u9002\u5408\u65e5\u5e38\u5bf9\u516c\u7ed3\u7b97\uff1b<\/li>\n<li><strong>SCT Inst<\/strong>\uff1a\u5373\u65f6\u8f6c\u8d26\uff0c\u9002\u5408\u65f6\u6548\u654f\u611f\u4ea4\u6613\uff1b<\/li>\n<li><strong>SDD Core\/B2B<\/strong>\uff1a\u76f4\u63a5\u6263\u6b3e\uff0c\u9002\u7528\u4e8e\u8ba2\u9605\u3001\u5468\u671f\u6263\u8d39\u573a\u666f\u3002<\/li>\n<\/ul>\n<p>\u4f01\u4e1a\u5e94\u6839\u636e\u4e1a\u52a1\u6a21\u5f0f\u9009\u8f68\u9053\uff0c\u800c\u4e0d\u662f\u201c\u5168\u90e8\u5f00\u901a\u201d\u3002\u8f68\u9053\u8d8a\u591a\uff0c\u5408\u89c4\u4e0e\u8fd0\u8425\u6210\u672c\u8d8a\u9ad8\u3002<\/p>\n<h3>\u63a5\u5165\u524d\u5fc5\u987b\u5b8c\u6210\u7684\u56db\u9879\u6821\u51c6<\/h3>\n<ol>\n<li><strong>\u5bf9\u8d26\u80fd\u529b<\/strong>\uff1a\u662f\u5426\u53ef\u6309\u4ea4\u6613\u53c2\u8003\u53f7\u81ea\u52a8\u5339\u914d\u5e94\u6536\u5e94\u4ed8\uff1b<\/li>\n<li><strong>\u9000\u6b3e\u4e0e\u4e89\u8bae\u673a\u5236<\/strong>\uff1a\u5c24\u5176SDD\u573a\u666f\uff0c\u9700\u660e\u786e\u6388\u6743\u5b58\u8bc1\u4e0e\u64a4\u9500\u89c4\u5219\uff1b<\/li>\n<li><strong>\u5931\u8d25\u4ea4\u6613\u5904\u7406<\/strong>\uff1a\u9000\u6c47\u4ee3\u7801\u8bc6\u522b\u3001\u91cd\u8bd5\u7b56\u7565\u3001\u5ba2\u6237\u901a\u77e5SOP\uff1b<\/li>\n<li><strong>\u98ce\u63a7\u9608\u503c<\/strong>\uff1a\u65e5\u9650\u989d\u3001\u5355\u7b14\u9650\u989d\u3001\u56fd\u5bb6\/\u884c\u4e1a\u767d\u540d\u5355\u3002<\/li>\n<\/ol>\n<h3>\u6280\u672f\u4e0e\u8fd0\u8425\u534f\u540c\u8981\u70b9<\/h3>\n<p>SEPA\u63a5\u5165\u4e0d\u4ec5\u662f\u201c\u94f6\u884c\u5f00\u6743\u9650\u201d\uff0c\u66f4\u662f\u8d22\u52a1\u3001\u6280\u672f\u3001\u5408\u89c4\u4e09\u65b9\u534f\u540c\u5de5\u7a0b\uff1a<\/p>\n<ul>\n<li>\u8d22\u52a1\u9700\u7edf\u4e00\u4ed8\u6b3e\u6279\u6b21\u89c4\u5219\u4e0e\u51ed\u8bc1\u5b57\u6bb5\uff1b<\/li>\n<li>\u6280\u672f\u9700\u6253\u901aERP\/OMS\u4e0e\u94f6\u884c\u63a5\u53e3\uff08API\u6216\u6587\u4ef6\u6279\u91cf\uff09\uff1b<\/li>\n<li>\u5408\u89c4\u9700\u5efa\u7acb\u53ef\u5ba1\u8ba1\u7559\u75d5\uff0c\u6ee1\u8db3\u540e\u7eed\u62bd\u67e5\u4e0e\u5ba1\u8ba1\u3002<\/li>\n<\/ul>\n<h2>\u9ad8\u9891\u201c\u88ab\u62d2\/\u88ab\u51bb\u201d\u573a\u666f\u4e0e\u4fee\u590d\u65b9\u6848<\/h2>\n<h3>\u573a\u666f1\uff1a\u5f00\u6237\u901a\u8fc7\uff0c\u4f46\u9996\u6708\u5373\u88ab\u9650\u5236\u6536\u6b3e<\/h3>\n<p><strong>\u539f\u56e0\uff1a<\/strong>\u5b9e\u9645\u4ea4\u6613\u91cf\u8fdc\u8d85\u7533\u62a5\u3001\u5bf9\u624b\u65b9\u7c7b\u578b\u53d8\u5316\u3001\u5907\u6ce8\u4fe1\u606f\u4e0d\u5b8c\u6574\u3002<br \/>\n<strong>\u4fee\u590d\uff1a<\/strong>\u5411\u94f6\u884c\u63d0\u4ea4\u4e1a\u52a1\u66f4\u65b0\u8bf4\u660e\u3001\u8865\u5145\u5408\u540c\u4e0e\u53d1\u7968\u6837\u672c\u3001\u5206\u9636\u6bb5\u653e\u91cf\u3002<\/p>\n<h3>\u573a\u666f2\uff1a\u51fa\u73b0\u201c\u6765\u6e90\u4e0d\u660e\u8d44\u91d1\u201d\u8b66\u62a5<\/h3>\n<p><strong>\u539f\u56e0\uff1a<\/strong>\u7b2c\u4e09\u65b9\u4ee3\u4ed8\u3001\u5173\u8054\u516c\u53f8\u6df7\u7528\u3001\u7528\u9014\u63cf\u8ff0\u7b3c\u7edf\u3002<br \/>\n<strong>\u4fee\u590d\uff1a<\/strong>\u4e25\u683c\u540c\u540d\u6536\u4ed8\u6216\u5efa\u7acb\u4ee3\u4ed8\u767d\u540d\u5355\u673a\u5236\uff0c\u5b8c\u5584\u4ed8\u6b3e\u7528\u9014\u7f16\u7801\u3002<\/p>\n<h3>\u573a\u666f3\uff1aSEPA\u6263\u6b3e\u4e89\u8bae\u7387\u504f\u9ad8<\/h3>\n<p><strong>\u539f\u56e0\uff1a<\/strong>\u5ba2\u6237\u6388\u6743\u5b58\u8bc1\u4e0d\u8db3\u3001\u6263\u6b3e\u901a\u77e5\u4e0d\u53ca\u65f6\u3001\u9000\u6b3e\u6d41\u7a0b\u4e0d\u900f\u660e\u3002<br \/>\n<strong>\u4fee\u590d\uff1a<\/strong>\u5347\u7ea7Mandate\u7ba1\u7406\u3001\u6263\u6b3e\u524d\u63d0\u9192\u3001\u5efa\u7acb\u6807\u51c6\u5316\u4e89\u8bae\u5904\u7406\u7a97\u53e3\u3002<\/p>\n<h2>\u8de8\u5883\u4f01\u4e1a\u7684\u5408\u89c4\u5e95\u5ea7\uff1aKYC\u3001AML\u4e0e\u5185\u90e8\u6cbb\u7406<\/h2>\n<p>\u6b27\u6d32\u94f6\u884c\u4f53\u7cfb\u5bf9\u53cd\u6d17\u94b1\u4e0e\u5236\u88c1\u5408\u89c4\u8981\u6c42\u6301\u7eed\u8d8b\u4e25\u3002\u4f01\u4e1a\u82e5\u5e0c\u671b\u8d26\u6237\u201c\u6d3b\u5f97\u4e45\u201d\uff0c\u5fc5\u987b\u5c06\u5408\u89c4\u5185\u5efa\u5230\u4e1a\u52a1\u6d41\u7a0b\uff0c\u800c\u975e\u4e34\u65f6\u8865\u6551\u3002<\/p>\n<h3>\u5efa\u8bae\u7684\u6700\u5c0f\u5408\u89c4\u4f53\u7cfb<\/h3>\n<ul>\n<li><strong>\u5ba2\u6237\u5c3d\u8c03\u5206\u7ea7<\/strong>\uff1a\u6309\u56fd\u5bb6\u3001\u884c\u4e1a\u3001\u4ea4\u6613\u89c4\u6a21\u5206\u5c42KYC\uff1b<\/li>\n<li><strong>\u4ea4\u6613\u76d1\u63a7\u89c4\u5219<\/strong>\uff1a\u5f02\u5e38\u9891\u6b21\u3001\u5206\u62c6\u4ea4\u6613\u3001\u654f\u611f\u5730\u533a\u9884\u8b66\uff1b<\/li>\n<li><strong>\u5236\u88c1\u7b5b\u67e5\u673a\u5236<\/strong>\uff1a\u540d\u5355\u5b9e\u65f6\u66f4\u65b0\u4e0e\u547d\u4e2d\u590d\u6838\u6d41\u7a0b\uff1b<\/li>\n<li><strong>\u53ef\u8ffd\u6eaf\u6863\u6848<\/strong>\uff1a\u5408\u540c\u3001\u53d1\u7968\u3001\u6c9f\u901a\u8bb0\u5f55\u3001\u7269\u6d41\/\u4ea4\u4ed8\u8bc1\u636e\u5f52\u6863\u3002<\/li>\n<\/ul>\n<h3>\u201c\u5408\u89c4\u53d9\u4e8b\u201d\u6bd4\u201c\u5408\u89c4\u53e3\u53f7\u201d\u66f4\u91cd\u8981<\/h3>\n<p>\u94f6\u884c\u5e76\u4e0d\u671f\u5f85\u6bcf\u5bb6\u4f01\u4e1a\u90fd\u50cf\u5927\u578b\u91d1\u878d\u673a\u6784\u90a3\u6837\u590d\u6742\uff0c\u4f46\u4f1a\u8981\u6c42\u4f60\u80fd\u6e05\u695a\u8bc1\u660e\uff1a\u4f60\u77e5\u9053\u5ba2\u6237\u662f\u8c01\u3001\u94b1\u4ece\u54ea\u91cc\u6765\u3001\u8d44\u91d1\u8981\u53bb\u54ea\u91cc\u3001\u5f02\u5e38\u5982\u4f55\u5904\u7f6e\u3002\u8fd9\u5c31\u662f\u94f6\u884c\u6700\u5728\u610f\u7684\u201c\u53ef\u89e3\u91ca\u6027\u201d\u3002<\/p>\n<h2>\u5b9e\u52a1\u5efa\u8bae\uff1a\u5982\u4f55\u63d0\u9ad8\u6b27\u6d32\u5f00\u6237\u6210\u529f\u7387\u4e0e\u8d26\u6237\u7a33\u5b9a\u6027<\/h2>\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" src=\"https:\/\/www.88mso.com\/wp-content\/uploads\/2026\/08\/europe-iban-sepa-guide-process.webp\" alt=\"\u6b27\u6d32\u94f6\u884c\u5f00\u6237\u5b9e\u64cd\u5b9e\u52a1\u8def\u5f84\uff0c\u6839\u636e\u6587\u7ae0\u4e3b\u8981\u7ae0\u8282\u6574\u7406\u3002\" width=\"800\" height=\"534\" class=\"wp-image-880893\" loading=\"lazy\" title=\"\" srcset=\"https:\/\/www.88mso.com\/wp-content\/uploads\/2026\/08\/europe-iban-sepa-guide-process.webp 1000w, https:\/\/www.88mso.com\/wp-content\/uploads\/2026\/08\/europe-iban-sepa-guide-process-300x200.webp 300w, https:\/\/www.88mso.com\/wp-content\/uploads\/2026\/08\/europe-iban-sepa-guide-process-768x512.webp 768w\" sizes=\"auto, (max-width: 800px) 100vw, 800px\" \/><figcaption 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