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			{{Short description\|Banking industry forum}}
	The '''Euro Banking Association''' (EBA) is an industry forum for the European payments industry with over 200 member banks and organisations from the European Union and across the world aimed at fostering and driving pan-European payment initiatives. Through its industry initiatives and the euro payment systems it has delivered, the EBA has been and continues to be a key contributor to the creation of a standardised ] (SEPA).
			{{distinguish\|European Banking Authority\|EBA Clearing}}
			{{Infobox organization
			\| name = Euro Banking Association
			\| native_name = Association bancaire pour l'euro
			\| native_name_lang = fr
			\| logo = Euro Banking Association Logo.svg
			\| image = Paris Courcelles 40.jpg
			\| image_size =
			\| caption = Seat of the Euro Banking Association in Rue de Courcelles in Paris<ref>{{cite web \|website=L'Annuaire des Entreprises \|url=https://annuaire-entreprises.data.gouv.fr/entreprise/association-bancaire-pour-l-euro-abe-eur-abe-eba-337899694 \|title=Association bancaire pour l'euro ABE EUR (ABE EBA)}}</ref>
			\| abbreviation = ABE-EBA
			\| established = {{start date and age\|1985}}
			\| founder = 18 commercial banks and the ]
			\| type = ]
			\| status = ]
			\| purpose = Support and create dialog between European payments industry practitioners
			\| location_city = ]
			\| location_country = ]
			\| region_served = Europe
			\| membership = Nearly 200 members that consist of banks and related payment providers
			\| membership_year = 2024
			\| languages = English, French
			\| leader_title = Secretary General
			\| leader_name = Thomas Egner
			\| staff =
			\| staff_year =
			\| funding = Membership fees
			\| website = {{URL\|https://www.abe-eba.eu/ }}
			}}

			The '''Euro Banking Association''' ('''EBA'''), also referred by its French acronym '''ABE-EBA''' ({{langx\|fr\|Association bancaire pour l'euro}}), is a ] for the European ]s industry with close to 200 member banks and organisations from the European Union and around the world aimed at fostering and driving pan-European payment initiatives. The ABE-EBA has strived to contribute to the creation of a standardised ] (SEPA).<ref>{{cite web \|website=ACI Worldwide \|url=https://www.aciworldwide.com/aci-euro-banking-association \|title=ACI and the Euro Banking Association}}</ref>
	== History and structure ==
	The Euro Banking Association was founded in Paris in 1985 by 18 commercial banks and the ]. The ] as well as the ] (BIS) supported the founding of the EBA. Since then, the number of members has risen to almost 200. The institutions come from all member states of the ] and from ], ], ], ], ], the ] and the ].

			The EBA was instrumental in the establishment in June 1998 of ], to which it transferred projects that were under development at the time including ], but has always been a separate organization.<ref>{{cite web \|website=EBA Clearing \|url=https://www.ebaclearing.eu/about-us/at-a-glance/the-company/ \|access-date={{date\|2024-12-25}} \|title=The Company: Who we are}}</ref>
	In its early years, the agenda of the EBA included the promotion of the ] (EMU) and the development and management of a private industry ECU clearing system stretching across Europe.

			== History and structure ==
	For the start of the EMU, the EBA delivered EURO1, a pan-European clearing and settlement system for single payments in ]. The system was handed over to ], a company that was founded in order to own and operate this payment system. The EBA also developed STEP1, a payment system for commercial transactions and STEP2, the first and so far only pan-European Automated Clearing House, which processes mass euro payments for banks from 32 European countries. All three payment systems are run by EBA CLEARING.
			The ABE-EBA was founded in Paris in 1985 by 18 commercial banks and the ]. The ] as well as the ] (BIS) supported the founding of the ABE-EBA. Since then, the number of members has risen to almost 200. The institutions come from all member states of the ] as well as from Norway, Switzerland, Australia, China, Japan, the ] and the United States.

			In its early years, the agenda of the ABE-EBA included the promotion of the ] (EMU) and the development and management of a private industry ECU clearing system stretching across Europe. This was transferred in 1999 to EBA Clearing.
	As the largest network of payment practitioners with a pan-European mindset and vision, the EBA provides a country-neutral forum for discussing and driving payments initiatives. Based on the support of its unique membership, the EBA contributes to the development and improvement of pan-European business practices in cooperation with regulatory and industry bodies. The communication and explanation of these business practices and other industry developments to its membership and to the wider industry constitute another important part of the EBA’s mission.

			==Member banks==
	In early 2008, the EBA launched the Euro Priority Payment Scheme, a non-proprietary scheme open to any bank in the ] (EEA). The scheme enables banks to offer their customers urgent intra-day payments at a pan-European level.

			As of end-2024 the following banks were members of ABE-EBA, with national classification as indicated on the association's website:<ref>{{cite web \|website=ABE-EBA \|url=https://www.abe-eba.eu/about-eba/eba-members/ \|access-date={{date\|2024-12-26}} \|title=EBA Members}}</ref>
	Once a year, the EBA brings together its member banks and organisations as well as other stakeholders in the market for a pan-European payments conference entitled EBAday. The EBA also runs a payments portal providing news and information on ongoing topics in the market.

			{{div col}}
	The head office of the Euro Banking Association is located in ].
			* {{flagicon\|Spain}} ]
			* {{flagicon\|Netherlands}} ]
			* {{flagicon\|Finland}} ]
			* {{flagicon\|Ireland}} ]
			* {{flagicon\|Greece}} ]
			* {{flagicon\|Italy}} ]
			* {{flagicon\|Italy}} ]
			* {{flagicon\|Italy}} ]
			* {{flagicon\|Italy}} ]
			* {{flagicon\|Portugal}} ]
			* {{flagicon\|Spain}} ]
			* {{flagicon\|Italy}} ]
			* {{flagicon\|Portugal}} ]
			* {{flagicon\|Spain}} ]
			* {{flagicon\|Spain}} ]
			* {{flagicon\|Portugal}} ]
			* {{flagicon\|Spain}} ]
			* {{flagicon\|Austria}} ]
			* {{flagicon\|Luxembourg}} ]
			* {{flagicon\|Germany}} ]
			* {{flagicon\|Germany}} ]
			* {{flagicon\|Finland}} ]
			* {{flagicon\|Ireland}} ]
			* {{flagicon\|Slovenia}} ]
			* {{flagicon\|Finland}} ]
			* {{flagicon\|Spain}} ]
			* {{flagicon\|Luxembourg}} ]
			* {{flagicon\|Luxembourg}} ]
			* {{flagicon\|France}} {{ill\|Michel Inchauspé{{!}}Banque Michel Inchauspé\|fr\|Michel Inchauspé}}
			* {{flagicon\|UK}} ]
			* {{flagicon\|Belgium}} ]
			* {{flagicon\|Italy}} {{ill\|BFF Bank\|de}}
			* {{flagicon\|Austria}} {{ill\|BKS Bank\|de}}
			* {{flagicon\|Belgium}} ]
			* {{flagicon\|Finland}} {{ill\|Bonum Bank\|fi\|Bonum Pankki}}
			* {{flagicon\|France}} ]
			* {{flagicon\|Italy}} ]
			* {{flagicon\|Belgium}} ]
			* {{flagicon\|France}} ]
			* {{flagicon\|Portugal}} {{ill\|Caixa Central de Crédito Agrícola Mútuo\|pt}}
			* {{flagicon\|Spain}} ]
			* {{flagicon\|Spain}} {{ill\|Caja Laboral\|es}}
			* {{flagicon\|Italy}} ]
			* {{flagicon\|Spain}} {{ill\|Cecabank\|es}}
			* {{flagicon\|Finland}} {{ill\|Säästöpankkien Keskuspankki{{!}}Central Bank of Savings Banks\|fi\|Säästöpankkien Keskuspankki}}
			* {{flagicon\|UK}} ]
			* {{flagicon\|Germany}} ]
			* {{flagicon\|Italy}} ]
			* {{flagicon\|France}} ]
			* {{flagicon\|France}} ]
			* {{flagicon\|Denmark}} ]
			* {{flagicon\|Netherlands}} ]
			* {{flagicon\|Germany}} ]
			* {{flagicon\|Germany}} ]
			* {{flagicon\|Finland}} ]
			* {{flagicon\|Germany}} ]
			* {{flagicon\|Ireland}} ]
			* {{flagicon\|Austria}} ]
			* {{flagicon\|Greece}} ]
			* {{flagicon\|Germany}} {{ill\|Fondsdepot Bank\|de}}
			* {{flagicon\|Cyprus}} ]
			* {{flagicon\|UK}} ]
			* {{flagicon\|France}} ]
			* {{flagicon\|Netherlands}} ]
			* {{flagicon\|Italy}} ]
			* {{flagicon\|Germany}} ]
			* {{flagicon\|UK}} ]
			* {{flagicon\|Belgium}} ]
			* {{flagicon\|Germany}} ]
			* {{flagicon\|France}} ]
			* {{flagicon\|Germany}} ]
			* {{flagicon\|Germany}} ]
			* {{flagicon\|UK}} ]
			* {{flagicon\|UK}} ]
			* {{flagicon\|UK}} ]
			* {{flagicon\|Greece}} ]
			* {{flagicon\|UK}} ]
			* {{flagicon\|Finland}} ]
			* {{flagicon\|Austria}} ]
			* {{flagicon\|Austria}} ]
			* {{flagicon\|Finland}} ]
			* {{flagicon\|Hungary}} ]
			* {{flagicon\|Netherlands}} ]
			* {{flagicon\|Austria}} ]
			* {{flagicon\|Italy}} ]
			* {{flagicon\|Austria}} ]
			* {{flagicon\|Finland}} ]
			* {{flagicon\|Germany}} ]
			* {{flagicon\|Sweden}} ]
			* {{flagicon\|France}} ]
			* {{flagicon\|Denmark}} ]
			* {{flagicon\|Germany}} ]
			* {{flagicon\|Sweden}} ]
			* {{flagicon\|Sweden}} ]
			* {{flagicon\|Denmark}} ]
			* {{flagicon\|Germany}} ]
			* {{flagicon\|Austria}} ]
			* {{flagicon\|Germany}} ]
			* {{flagicon\|Italy}} ]
			* {{flagicon\|UK}} ]
			{{div col end}}

	== ~~EBA Clearing~~ ==		==Leadership==
	The ] was founded in June 1998 by 52 banks. Its initial mission consisted in the operation of the clearing and settlement system for single euro transactions ], which the EBA had transferred to EBA CLEARING for the launch of the system in late 1999. EURO1 has established itself as the sole bank-owned clearing and settlement system for euro payments at a pan-European level. Besides EURO1, EBA CLEARING today also owns and operates ], a payment system for individual commercial transactions, and ], the first and so far only ] (PE-ACH) for mass payments in euro. STEP2 processes both credit transfers, that are in line with the convention on credit transfers in euro of the European banking industry, and SEPA payments.

			In 1986, the ABE-EBA appointed Gilbert Lichter as its secretary-general,<ref>{{cite web \|website=wort.lu \|title=Der Luxemburger Pionier des europäischen Geldverkehrs \|url=https://www.wort.lu/wirtschaft/der-luxemburger-pionier-des-europaeischen-geldverkehrs/6537059.html \|date={{date\|2024/01/03}} \|author=Thomas Klein}}</ref> a position he held until 1989 and again from 1992 to 2016.<ref>{{cite web \|website=LinkedIn \|author=ABE-EBA \|url=https://www.linkedin.com/feed/update/urn:li:activity:7133363599527276544/ \|title=We are saddened to share that our former and longstanding Secretary General and CEO Gilbert Lichter passed away on 20 November 2023}}</ref> Since 2016, the secretary-general of the ABE-EBA has been Mr Thomas Egner.<ref>{{cite web \|website=Fintech Finance News \|url=https://ffnews.com/newsarticle/thomas-egner-to-take-office-as-new-secretary-general-of-the-euro-banking-association/ \|date={{date\|2015/11/18}} \|title=Thomas Egner to take office as new Secretary General of the Euro Banking Association}}</ref>
	EBA CLEARING is based in ]; it has representative offices in ], ] and ].

	=== EURO1 ===
	EURO1 is a real-time net clearing and settlement system for individual financial and commercial payments and is owned and operated by EBA CLEARING. It is open to banks that have a registered address or branch in the ] and fulfill a number of additional requirements. On average, EURO1 processes more than 230,000 payments per day, with an overall value of almost €245 billion. Today, the service counts 66 participants and 60 sub-participants. EURO1 is subject to German law (] principle/Single Obligation Structure) and is based on a messaging and IT infrastructure provided by ].

	=== STEP1 ===
	Since 2000, EBA CLEARING has been offering a payment service named STEP1 for individual commercial payments in euro. It processes more than 20,000 transactions on a daily basis. STEP1 counts 96 Participants and 49 Sub-Participants, mostly consisting of small or middle-sized banks. The technical infrastructure is the same as that of the EURO1 system, as both use the messaging and IT infrastructure of SWIFT.

	=== STEP2 ===
	STEP2 was put into operation in 2003 with ] as technological partner. It processes bulk payments in euro. STEP2 is the Pan-European Automated Clearing House (PE-ACH). This means that it complies with the principles set by the ] (EPC) for a ].

	The STEP2 platform processes mass euro payments that are in line with the convention on credit transfers in euro of the European banking industry (transactions of up to €50,000 bearing an ], IBAN, and a ] (BIC)) as well as payments that comply with the ] and ] for the Single Euro Payments Area (SEPA) as they have been issued by the European Payments Council. From the beginning of SEPA on 28 January 2008, STEP2 has been offering SEPA Credit Transfer processing services to over 5,600 financial institutions across the 32 SEPA countries.
	Since 2nd November 2009, the transposition date of the ], EBA CLEARING has been processing SEPA Direct Debits with its STEP2 ] and STEP2 ] ("]") Services. The 67 SDD Core and 46 SDD B2B Direct Participants extend reach to more than 2,400 financial institutions across Europe for SDD payments.

	== References ==		== References ==
			{{reflist}}
	*
			{{Portal\|Banks}}
	*
	*
	*

	{{Members of Euro Banking Association}}		{{Members of Euro Banking Association}}

	]		]
	]		]
			]

			]
	]
			]
	]
			]
	]
	]

Revision as of 15:20, 26 December 2024

Banking industry forum Not to be confused with European Banking Authority or EBA Clearing.

Euro Banking Association
Association bancaire pour l'euro

Seat of the Euro Banking Association in Rue de Courcelles in Paris
Abbreviation	ABE-EBA
Established	1985; 39 years ago (1985)
Founder	18 commercial banks and the European Investment Bank
Type	Trade association
Legal status	Nonprofit organization
Purpose	Support and create dialog between European payments industry practitioners
Location	Paris, France
Region served	Europe
Membership	Nearly 200 members that consist of banks and related payment providers (2024)
Official languages	English, French
Secretary General	Thomas Egner
Funding	Membership fees
Website	www.abe-eba.eu

The Euro Banking Association (EBA), also referred by its French acronym ABE-EBA (French: Association bancaire pour l'euro), is a trade association for the European payments industry with close to 200 member banks and organisations from the European Union and around the world aimed at fostering and driving pan-European payment initiatives. The ABE-EBA has strived to contribute to the creation of a standardised Single Euro Payments Area (SEPA).

The EBA was instrumental in the establishment in June 1998 of EBA Clearing, to which it transferred projects that were under development at the time including EURO1, but has always been a separate organization.

History and structure

The ABE-EBA was founded in Paris in 1985 by 18 commercial banks and the European Investment Bank. The European Commission as well as the Bank for International Settlements (BIS) supported the founding of the ABE-EBA. Since then, the number of members has risen to almost 200. The institutions come from all member states of the European Union as well as from Norway, Switzerland, Australia, China, Japan, the United Arab Emirates and the United States.

In its early years, the agenda of the ABE-EBA included the promotion of the European Monetary Union (EMU) and the development and management of a private industry ECU clearing system stretching across Europe. This was transferred in 1999 to EBA Clearing.

Member banks

As of end-2024 the following banks were members of ABE-EBA, with national classification as indicated on the association's website:

Leadership

In 1986, the ABE-EBA appointed Gilbert Lichter as its secretary-general, a position he held until 1989 and again from 1992 to 2016. Since 2016, the secretary-general of the ABE-EBA has been Mr Thomas Egner.

References

"Association bancaire pour l'euro ABE EUR (ABE EBA)". L'Annuaire des Entreprises.
"ACI and the Euro Banking Association". ACI Worldwide.
"The Company: Who we are". EBA Clearing. Retrieved 25 December 2024.
"EBA Members". ABE-EBA. Retrieved 26 December 2024.
Thomas Klein (3 January 2024). "Der Luxemburger Pionier des europäischen Geldverkehrs". wort.lu.
ABE-EBA. "We are saddened to share that our former and longstanding Secretary General and CEO Gilbert Lichter passed away on 20 November 2023". LinkedIn.
"Thomas Egner to take office as new Secretary General of the Euro Banking Association". Fintech Finance News. 18 November 2015.

v t e Members of the Euro Banking Association
Austria	Bank für Tirol und Vorarlberg BKS Bank Erste Group Bank Oberbank Oesterreichische Nationalbank Raiffeisen Bank International Raiffeisenlandesbank Oberösterreich UniCredit Bank Austria
Belgium	Belfius BNP Paribas Fortis bpost bank KBC Bank
Cyprus	Bank of Cyprus Hellenic Bank
Denmark	Danske Bank Spar Nord Bank Sparekassen Sjælland Sydbank
Finland	Aktia Bank Bank of Åland DnB Bank Nordea Bank Pohjola Bank S-Bank
France	BNP Paribas BPCE BRED Banque Populaire Crédit Agricole Crédit Mutuel Arkéa My Money Bank La Banque postale Société Générale
Germany	Bank of America Europe (USA) Bank of China (CHN) Berenberg Bank Commerzbank Deutsche Bank Deutsche Bundesbank DZ Bank Landesbank Baden-Württemberg Landesbank Hessen-Thüringen Swiss Euro Clearing Bank Standard Chartered UBS Europe Unicredit
Greece	Alpha Bank Eurobank Ergasias National Bank of Greece
Hungary	OTP Bank
Ireland	Allied Irish Banks Bank of Ireland Elavon
Italy	Banca del Fucino Banca Monte dei Paschi di Siena Banca Popolare del Lazio Banca Popolare di Sondrio Banca Sella Banco BPM BFF Bank BPER Banca Cassa di Risparmio di Fermo Credito Emiliano ICCREA Banca Intesa Sanpaolo Raiffeisen Landesbank Südtirol UniCredit
Luxembourg	Spuerkeess Banque Internationale à Luxembourg Gazprombank Luxembourg (RUS)
Netherlands	ABN AMRO De Nederlandsche Bank ING Bank Rabobank
Portugal	Banco BAI Europa (AGO) Banco BCP Banco Montepio Crédito Agrícola
Slovenia	Bank of Slovenia
Spain	Abanca BBVA Banco Cooperativo Español Banco Sabadell Banco Santander Bankinter CaixaBank Cecabank Ibercaja Banco Kutxabank Unicaja Banco
Sweden	Handelsbanken SEB Swedbank
United Kingdom	Barclays Citibank Europe (USA) HSBC Bank JPMorgan Chase Bank, London Branch (USA) Lloyds Bank MUFG Bank (JPN) NatWest Wells Fargo (USA)

Categories:

Revision as of 21:41, 8 March 2012 editMrphysics24 (talk \| contribs)7 editsm Updated link to the document called The Payment System← Previous edit		Revision as of 15:20, 26 December 2024 edit undoBoubloub (talk \| contribs)Extended confirmed users16,961 edits Added referenceNext edit →
(42 intermediate revisions by 25 users not shown)
Line 1:		Line 1:
			{{Short description\|Banking industry forum}}
	The '''Euro Banking Association''' (EBA) is an industry forum for the European payments industry with over 200 member banks and organisations from the European Union and across the world aimed at fostering and driving pan-European payment initiatives. Through its industry initiatives and the euro payment systems it has delivered, the EBA has been and continues to be a key contributor to the creation of a standardised ] (SEPA).
			{{distinguish\|European Banking Authority\|EBA Clearing}}
			{{Infobox organization
			\| name = Euro Banking Association
			\| native_name = Association bancaire pour l'euro
			\| native_name_lang = fr
			\| logo = Euro Banking Association Logo.svg
			\| image = Paris Courcelles 40.jpg
			\| image_size =
			\| caption = Seat of the Euro Banking Association in Rue de Courcelles in Paris<ref>{{cite web \|website=L'Annuaire des Entreprises \|url=https://annuaire-entreprises.data.gouv.fr/entreprise/association-bancaire-pour-l-euro-abe-eur-abe-eba-337899694 \|title=Association bancaire pour l'euro ABE EUR (ABE EBA)}}</ref>
			\| abbreviation = ABE-EBA
			\| established = {{start date and age\|1985}}
			\| founder = 18 commercial banks and the ]
			\| type = ]
			\| status = ]
			\| purpose = Support and create dialog between European payments industry practitioners
			\| location_city = ]
			\| location_country = ]
			\| region_served = Europe
			\| membership = Nearly 200 members that consist of banks and related payment providers
			\| membership_year = 2024
			\| languages = English, French
			\| leader_title = Secretary General
			\| leader_name = Thomas Egner
			\| staff =
			\| staff_year =
			\| funding = Membership fees
			\| website = {{URL\|https://www.abe-eba.eu/ }}
			}}

			The '''Euro Banking Association''' ('''EBA'''), also referred by its French acronym '''ABE-EBA''' ({{langx\|fr\|Association bancaire pour l'euro}}), is a ] for the European ]s industry with close to 200 member banks and organisations from the European Union and around the world aimed at fostering and driving pan-European payment initiatives. The ABE-EBA has strived to contribute to the creation of a standardised ] (SEPA).<ref>{{cite web \|website=ACI Worldwide \|url=https://www.aciworldwide.com/aci-euro-banking-association \|title=ACI and the Euro Banking Association}}</ref>
	== History and structure ==
	The Euro Banking Association was founded in Paris in 1985 by 18 commercial banks and the ]. The ] as well as the ] (BIS) supported the founding of the EBA. Since then, the number of members has risen to almost 200. The institutions come from all member states of the ] and from ], ], ], ], ], the ] and the ].

			The EBA was instrumental in the establishment in June 1998 of ], to which it transferred projects that were under development at the time including ], but has always been a separate organization.<ref>{{cite web \|website=EBA Clearing \|url=https://www.ebaclearing.eu/about-us/at-a-glance/the-company/ \|access-date={{date\|2024-12-25}} \|title=The Company: Who we are}}</ref>
	In its early years, the agenda of the EBA included the promotion of the ] (EMU) and the development and management of a private industry ECU clearing system stretching across Europe.

			== History and structure ==
	For the start of the EMU, the EBA delivered EURO1, a pan-European clearing and settlement system for single payments in ]. The system was handed over to ], a company that was founded in order to own and operate this payment system. The EBA also developed STEP1, a payment system for commercial transactions and STEP2, the first and so far only pan-European Automated Clearing House, which processes mass euro payments for banks from 32 European countries. All three payment systems are run by EBA CLEARING.
			The ABE-EBA was founded in Paris in 1985 by 18 commercial banks and the ]. The ] as well as the ] (BIS) supported the founding of the ABE-EBA. Since then, the number of members has risen to almost 200. The institutions come from all member states of the ] as well as from Norway, Switzerland, Australia, China, Japan, the ] and the United States.

			In its early years, the agenda of the ABE-EBA included the promotion of the ] (EMU) and the development and management of a private industry ECU clearing system stretching across Europe. This was transferred in 1999 to EBA Clearing.
	As the largest network of payment practitioners with a pan-European mindset and vision, the EBA provides a country-neutral forum for discussing and driving payments initiatives. Based on the support of its unique membership, the EBA contributes to the development and improvement of pan-European business practices in cooperation with regulatory and industry bodies. The communication and explanation of these business practices and other industry developments to its membership and to the wider industry constitute another important part of the EBA’s mission.

			==Member banks==
	In early 2008, the EBA launched the Euro Priority Payment Scheme, a non-proprietary scheme open to any bank in the ] (EEA). The scheme enables banks to offer their customers urgent intra-day payments at a pan-European level.

			As of end-2024 the following banks were members of ABE-EBA, with national classification as indicated on the association's website:<ref>{{cite web \|website=ABE-EBA \|url=https://www.abe-eba.eu/about-eba/eba-members/ \|access-date={{date\|2024-12-26}} \|title=EBA Members}}</ref>
	Once a year, the EBA brings together its member banks and organisations as well as other stakeholders in the market for a pan-European payments conference entitled EBAday. The EBA also runs a payments portal providing news and information on ongoing topics in the market.

			{{div col}}
	The head office of the Euro Banking Association is located in ].
			* {{flagicon\|Spain}} ]
			* {{flagicon\|Netherlands}} ]
			* {{flagicon\|Finland}} ]
			* {{flagicon\|Ireland}} ]
			* {{flagicon\|Greece}} ]
			* {{flagicon\|Italy}} ]
			* {{flagicon\|Italy}} ]
			* {{flagicon\|Italy}} ]
			* {{flagicon\|Italy}} ]
			* {{flagicon\|Portugal}} ]
			* {{flagicon\|Spain}} ]
			* {{flagicon\|Italy}} ]
			* {{flagicon\|Portugal}} ]
			* {{flagicon\|Spain}} ]
			* {{flagicon\|Spain}} ]
			* {{flagicon\|Portugal}} ]
			* {{flagicon\|Spain}} ]
			* {{flagicon\|Austria}} ]
			* {{flagicon\|Luxembourg}} ]
			* {{flagicon\|Germany}} ]
			* {{flagicon\|Germany}} ]
			* {{flagicon\|Finland}} ]
			* {{flagicon\|Ireland}} ]
			* {{flagicon\|Slovenia}} ]
			* {{flagicon\|Finland}} ]
			* {{flagicon\|Spain}} ]
			* {{flagicon\|Luxembourg}} ]
			* {{flagicon\|Luxembourg}} ]
			* {{flagicon\|France}} {{ill\|Michel Inchauspé{{!}}Banque Michel Inchauspé\|fr\|Michel Inchauspé}}
			* {{flagicon\|UK}} ]
			* {{flagicon\|Belgium}} ]
			* {{flagicon\|Italy}} {{ill\|BFF Bank\|de}}
			* {{flagicon\|Austria}} {{ill\|BKS Bank\|de}}
			* {{flagicon\|Belgium}} ]
			* {{flagicon\|Finland}} {{ill\|Bonum Bank\|fi\|Bonum Pankki}}
			* {{flagicon\|France}} ]
			* {{flagicon\|Italy}} ]
			* {{flagicon\|Belgium}} ]
			* {{flagicon\|France}} ]
			* {{flagicon\|Portugal}} {{ill\|Caixa Central de Crédito Agrícola Mútuo\|pt}}
			* {{flagicon\|Spain}} ]
			* {{flagicon\|Spain}} {{ill\|Caja Laboral\|es}}
			* {{flagicon\|Italy}} ]
			* {{flagicon\|Spain}} {{ill\|Cecabank\|es}}
			* {{flagicon\|Finland}} {{ill\|Säästöpankkien Keskuspankki{{!}}Central Bank of Savings Banks\|fi\|Säästöpankkien Keskuspankki}}
			* {{flagicon\|UK}} ]
			* {{flagicon\|Germany}} ]
			* {{flagicon\|Italy}} ]
			* {{flagicon\|France}} ]
			* {{flagicon\|France}} ]
			* {{flagicon\|Denmark}} ]
			* {{flagicon\|Netherlands}} ]
			* {{flagicon\|Germany}} ]
			* {{flagicon\|Germany}} ]
			* {{flagicon\|Finland}} ]
			* {{flagicon\|Germany}} ]
			* {{flagicon\|Ireland}} ]
			* {{flagicon\|Austria}} ]
			* {{flagicon\|Greece}} ]
			* {{flagicon\|Germany}} {{ill\|Fondsdepot Bank\|de}}
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	== ~~EBA Clearing~~ ==		==Leadership==
	The ] was founded in June 1998 by 52 banks. Its initial mission consisted in the operation of the clearing and settlement system for single euro transactions ], which the EBA had transferred to EBA CLEARING for the launch of the system in late 1999. EURO1 has established itself as the sole bank-owned clearing and settlement system for euro payments at a pan-European level. Besides EURO1, EBA CLEARING today also owns and operates ], a payment system for individual commercial transactions, and ], the first and so far only ] (PE-ACH) for mass payments in euro. STEP2 processes both credit transfers, that are in line with the convention on credit transfers in euro of the European banking industry, and SEPA payments.

			In 1986, the ABE-EBA appointed Gilbert Lichter as its secretary-general,<ref>{{cite web \|website=wort.lu \|title=Der Luxemburger Pionier des europäischen Geldverkehrs \|url=https://www.wort.lu/wirtschaft/der-luxemburger-pionier-des-europaeischen-geldverkehrs/6537059.html \|date={{date\|2024/01/03}} \|author=Thomas Klein}}</ref> a position he held until 1989 and again from 1992 to 2016.<ref>{{cite web \|website=LinkedIn \|author=ABE-EBA \|url=https://www.linkedin.com/feed/update/urn:li:activity:7133363599527276544/ \|title=We are saddened to share that our former and longstanding Secretary General and CEO Gilbert Lichter passed away on 20 November 2023}}</ref> Since 2016, the secretary-general of the ABE-EBA has been Mr Thomas Egner.<ref>{{cite web \|website=Fintech Finance News \|url=https://ffnews.com/newsarticle/thomas-egner-to-take-office-as-new-secretary-general-of-the-euro-banking-association/ \|date={{date\|2015/11/18}} \|title=Thomas Egner to take office as new Secretary General of the Euro Banking Association}}</ref>
	EBA CLEARING is based in ]; it has representative offices in ], ] and ].

	=== EURO1 ===
	EURO1 is a real-time net clearing and settlement system for individual financial and commercial payments and is owned and operated by EBA CLEARING. It is open to banks that have a registered address or branch in the ] and fulfill a number of additional requirements. On average, EURO1 processes more than 230,000 payments per day, with an overall value of almost €245 billion. Today, the service counts 66 participants and 60 sub-participants. EURO1 is subject to German law (] principle/Single Obligation Structure) and is based on a messaging and IT infrastructure provided by ].

	=== STEP1 ===
	Since 2000, EBA CLEARING has been offering a payment service named STEP1 for individual commercial payments in euro. It processes more than 20,000 transactions on a daily basis. STEP1 counts 96 Participants and 49 Sub-Participants, mostly consisting of small or middle-sized banks. The technical infrastructure is the same as that of the EURO1 system, as both use the messaging and IT infrastructure of SWIFT.

	=== STEP2 ===
	STEP2 was put into operation in 2003 with ] as technological partner. It processes bulk payments in euro. STEP2 is the Pan-European Automated Clearing House (PE-ACH). This means that it complies with the principles set by the ] (EPC) for a ].

	The STEP2 platform processes mass euro payments that are in line with the convention on credit transfers in euro of the European banking industry (transactions of up to €50,000 bearing an ], IBAN, and a ] (BIC)) as well as payments that comply with the ] and ] for the Single Euro Payments Area (SEPA) as they have been issued by the European Payments Council. From the beginning of SEPA on 28 January 2008, STEP2 has been offering SEPA Credit Transfer processing services to over 5,600 financial institutions across the 32 SEPA countries.
	Since 2nd November 2009, the transposition date of the ], EBA CLEARING has been processing SEPA Direct Debits with its STEP2 ] and STEP2 ] ("]") Services. The 67 SDD Core and 46 SDD B2B Direct Participants extend reach to more than 2,400 financial institutions across Europe for SDD payments.

	== References ==		== References ==
			{{reflist}}
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			{{Portal\|Banks}}
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	{{Members of Euro Banking Association}}		{{Members of Euro Banking Association}}

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