{"id":23055,"date":"2024-07-09T08:35:58","date_gmt":"2024-07-09T06:35:58","guid":{"rendered":"https:\/\/info.openlane.eu\/help\/faq\/%faq_category%\/67-mita-pankkitunnukset-iban-bic-sepa-ja-sha-tarkoittavat\/"},"modified":"2024-11-27T22:10:30","modified_gmt":"2024-11-27T21:10:30","slug":"6-7-what-do-the-bank-codes-iban-bic-sepa-and-sha-mean","status":"publish","type":"faq","link":"https:\/\/info.openlane.eu\/fi\/help\/faq\/for-buyers\/cost-payments\/6-7-what-do-the-bank-codes-iban-bic-sepa-and-sha-mean\/","title":{"rendered":"6.7 Mit\u00e4 pankkitunnukset IBAN, BIC, SEPA ja SHA tarkoittavat?"},"content":{"rendered":"<p><span>Jotta voit suorittaa maksuja, sinun on ymm\u00e4rrett\u00e4v\u00e4 eri pankkitunnukset. Seuraavassa selitet\u00e4\u00e4n, mit\u00e4 n\u00e4m\u00e4 koodit tarkoittavat ja millaisiin maksutapahtumiin niit\u00e4 sovelletaan.<\/span><\/p>\n<p><strong>IBAN (International Bank Account Number)<br \/>\n<\/strong><span>IBAN on kansainv\u00e4lisesti tunnustettu, standardoitu numero, jota k\u00e4ytet\u00e4\u00e4n pankkitilin tunnistamiseen. Se sis\u00e4lt\u00e4\u00e4 enint\u00e4\u00e4n 34 aakkosnumeerista merkki\u00e4, joka alkaa kaksinumeroisella maakoodilla, jota seuraa kaksi tarkistusnumeroa, jotka vahvistavat IBAN-tilinumeron voimassaolon, ja p\u00e4\u00e4ttyy BBAN-numeroon (Basic Bank Account Number), joka sis\u00e4lt\u00e4\u00e4 pankin ja tilin erityistiedot. BBAN-tilinumeron muoto vaihtelee maittain, mutta yleens\u00e4 se sis\u00e4lt\u00e4\u00e4 pankin tunnuksen ja konttorin tunnuksen.<\/span><\/p>\n<p><strong>BIC (Bank Identifier Code) eli SWIFT-koodi<br \/>\n<\/strong><span>BIC- ja SWIFT-koodilla tarkoitetaan samaa asiaa: 8 &#8211; 11 -merkkist\u00e4 koodia, jota k\u00e4ytet\u00e4\u00e4n tietyn pankin tunnistamiseen kansainv\u00e4lisiss\u00e4 maksutapahtumissa. Jokaisella pankilla on yksil\u00f6llinen BIC\/SWIFT-koodi, jolla varmistetaan, ett\u00e4 rahansiirrot p\u00e4\u00e4tyv\u00e4t oikeaan paikkaan.<\/span><\/p>\n<p><strong>SEPA (yhten\u00e4inen euromaksualue)<br \/>\n<\/strong><span>SEPA on yleiseurooppalainen verkko, jonka avulla ihmiset voivat l\u00e4hett\u00e4\u00e4 ja vastaanottaa eurom\u00e4\u00e4r\u00e4isi\u00e4 maksuja kahden pankkitilin v\u00e4lill\u00e4 euroalueella. SEPAn ansiosta rahansiirto euroalueella on yht\u00e4 helppoa kuin kotimaan pankkisiirto. 36 SEPAan kuuluu seuraavat j\u00e4senvaltiot: Andorra, Alankomaat, Belgia, Bulgaria, Espanja, Irlanti, Islanti, Iso-Britannia, Italia, It\u00e4valta, Kreikka, Kroatia, Kypros, Latvia, Liechtenstein, Liettua, Luxemburg, Malta, Monaco, Norja, Portugali, Puola, Ranska, Romania, Ruotsi, Saksa, San Marino, Slovakia, Slovenia, Suomi, Sveitsi, Tanska, T\u0161ekki, Unkari, Viro ja Vatikaani. Yhdistynyt kuningaskunta pysyy SEPA-maana Brexitist\u00e4 huolimatta.<\/span><\/p>\n<p><strong>S<\/strong><strong>HA (Shared)<br \/>\n<\/strong><span>SHA tarkoittaa, ett\u00e4 maksat vain pankkisi l\u00e4htev\u00e4n siirron maksun. Saamme maksun, josta on v\u00e4hennetty kirjeenvaihtajapankkimaksu eli v\u00e4litt\u00e4j\u00e4pankin kulut.<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Jotta voit suorittaa maksuja, sinun on ymm\u00e4rrett\u00e4v\u00e4 eri pankkitunnukset. Seuraavassa selitet\u00e4\u00e4n, mit\u00e4 n\u00e4m\u00e4 koodit tarkoittavat ja millaisiin maksutapahtumiin niit\u00e4 sovelletaan. IBAN (International Bank Account Number) IBAN on kansainv\u00e4lisesti tunnustettu, standardoitu numero, jota k\u00e4ytet\u00e4\u00e4n pankkitilin tunnistamiseen. Se sis\u00e4lt\u00e4\u00e4 enint\u00e4\u00e4n 34 aakkosnumeerista merkki\u00e4, joka alkaa kaksinumeroisella maakoodilla, jota seuraa kaksi tarkistusnumeroa, jotka vahvistavat IBAN-tilinumeron voimassaolon, ja p\u00e4\u00e4ttyy&#8230;<\/p>\n","protected":false},"author":3,"featured_media":0,"template":"","meta":{"_acf_changed":false,"footnotes":""},"faq_category":[415,421],"class_list":["post-23055","faq","type-faq","status-publish","hentry","faq_category-for-buyers","faq_category-cost-payments"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v26.9 (Yoast SEO v28.7) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>6.7 Mit\u00e4 pankkitunnukset IBAN, BIC, SEPA ja SHA tarkoittavat? \u2013 OPENLANE<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/info.openlane.eu\/fi\/help\/faq\/for-buyers\/cost-payments\/6-7-what-do-the-bank-codes-iban-bic-sepa-and-sha-mean\/\" \/>\n<meta property=\"og:locale\" content=\"fi_FI\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"6.7 Mit\u00e4 pankkitunnukset IBAN, BIC, SEPA ja SHA tarkoittavat?\" \/>\n<meta property=\"og:description\" content=\"Jotta voit suorittaa maksuja, sinun on ymm\u00e4rrett\u00e4v\u00e4 eri pankkitunnukset. 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