SWIFT / BIC Code
BNPAESM2
Banco Cetelem SAU
BNPAESM2 is the BIC (SWIFT code) of Banco Cetelem SAU, registered in Madrid. Its IBANs are 24 characters long. The bank receives SEPA Instant transfers and answers Verification of Payee name checks.
Check an IBAN from Banco Cetelem SAU
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BIC Breakdown
BNPA: institution identifier (4 letters)
ES: country code per ISO 3166-1
M2: location code (city / timezone)
Bank Details
Payments it can receive
Banco Cetelem SAU's participation in the European payment schemes, from the EPC register of participants.
Verification of Payee lets the payer's bank compare the name typed on a euro transfer with the account holder's name. This page shows whether the bank takes part; ibanchecker.cash does not check names.
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IBAN format for 🇪🇸 Spain
Spain IBANs are 24 characters long.
Frequently Asked Questions
What is the SWIFT code for Banco Cetelem SAU?
BNPAESM2. Written with the head-office branch code it is BNPAESM2XXX; both forms reach the same bank. A euro transfer within SEPA needs only the IBAN.
What does BNPAESM2 mean?
"BNPA" identifies Banco Cetelem SAU, "ES" is the country code for Spain, "M2" is the location code.
How long are Banco Cetelem SAU IBANs?
24 characters, like every IBAN from Spain: the country code ES, two check digits, the bank code (4 digits), the branch code (4 digits), the check digits (2 digits) and the account number (10 digits).
Can I send an instant transfer to Banco Cetelem SAU?
Yes. The European Payments Council lists Banco Cetelem SAU in SEPA Instant Credit Transfer since 14 March 2022, so an instant euro transfer from a participating bank reaches its accounts in seconds.
Does Banco Cetelem SAU confirm the payee's name?
Yes. It answers Verification of Payee requests (since 5 October 2025), so the payer's bank can compare the name entered with the account holder's name before a euro transfer is sent.
Where is Banco Cetelem SAU's registered office?
Paseo de los Melancólicos 14 A, 28005 Madrid, according to GLEIF. The European Payments Council lists Paseo Menlancolicos, 14, Madrid as its address.