This section contains a series of documents bearing information which the Bank places at its clients\u2019 disposal in accordance with existing rules on transparency in banking practices (the Consolidated Banking Law, CICR directive of 4 March 2003, Banca d\u2019Italia\u2019s Supervisory Instructions for Banks).<\/p>\n
All documents may be viewed on-screen or saved in printable format. Hard copies are also available at Banca UBAE\u2019s offices in Rome and Milan.<\/p>\n
Under the terms of Regulation (EU) 260\/2012 establishing technical and business requirements for credit transfers and direct debits denominated in euros, and Banca d\u2019Italia\u2019s enabling directive of 22 February 2013,\u00a0national euro transfer services have been replaced by the SEPA Credit Transfer (SCT) system as of 1 February 2014.<\/strong><\/p>\n The\u00a0Single Euro Payments Area (SEPA)<\/strong>\u00a0comprises all European Union Member States which adopt the euro internally and non-eurozone EU countries which nonetheless make payments in euros, as well as the six non-EU states (Iceland, Norway, Liechtenstein, Switzerland, Monaco and San Marino) which make transfers in euros. Under the SCT system,\u00a0cross-border euro transfers within SEPA are subject to the same terms and conditions (timing, pricing, etc.) as apply to their domestic equivalents.<\/strong><\/p>\n <\/p>\n