{"id":22592,"date":"2024-07-09T08:35:58","date_gmt":"2024-07-09T06:35:58","guid":{"rendered":"https:\/\/info.openlane.eu\/help\/faq\/%faq_category%\/67-o-que-significam-os-codigos-banco-iban-bic-sepa-e-sha\/"},"modified":"2024-12-27T01:40:35","modified_gmt":"2024-12-27T00:40:35","slug":"6-7-what-do-the-bank-codes-iban-bic-sepa-and-sha-mean","status":"publish","type":"faq","link":"https:\/\/info.openlane.eu\/pt-pt\/help\/faq\/for-buyers\/cost-payments\/6-7-what-do-the-bank-codes-iban-bic-sepa-and-sha-mean\/","title":{"rendered":"6.7 O que significam os c\u00f3digos banc\u00e1rios IBAN, BIC, SEPA e SHA?"},"content":{"rendered":"

Para poder realizar pagamentos, precisa de entender os v\u00e1rios c\u00f3digos banc\u00e1rios envolvidos. De seguida, prestamos uma explica\u00e7\u00e3o sobre o que representam estes c\u00f3digos e a que tipos de transa\u00e7\u00f5es se aplicam.<\/span><\/p>\n

IBAN (N\u00famero Internacional de Conta Banc\u00e1ria)
\n<\/strong>Um IBAN \u00e9 um n\u00famero padronizado e reconhecido internacionalmente que \u00e9 usado para identificar uma conta banc\u00e1ria. Cont\u00e9m at\u00e9 34 caracteres alfanum\u00e9ricos, come\u00e7ando com um c\u00f3digo de pa\u00eds de dois caracteres, seguido por dois d\u00edgitos de verifica\u00e7\u00e3o que confirmam a validade do IBAN e terminando com um BBAN (N\u00famero B\u00e1sico de Conta Banc\u00e1ria) que cont\u00e9m detalhes espec\u00edficos do banco e da conta. O formato do BBAN varia de Pa\u00eds para Pa\u00eds, mas geralmente inclui um c\u00f3digo do banco e um c\u00f3digo da ag\u00eancia.<\/span><\/p>\n

BIC (C\u00f3digo Identificador do Banco), tamb\u00e9m conhecido como c\u00f3digo SWIFT
\n<\/strong>O BIC e o c\u00f3digo SWIFT referem-se \u00e0 mesma coisa: um c\u00f3digo de 8 a 11 caracteres utilizado para identificar um banco espec\u00edfico numa transa\u00e7\u00e3o internacional. Cada banco tem um c\u00f3digo BIC\/SWIFT exclusivo para garantir que as transfer\u00eancias de dinheiro chegam ao lugar certo.<\/span><\/p>\n

SEPA (\u00c1rea \u00danica de Pagamentos em Euros)
\n<\/strong>A SEPA \u00e9 uma rede paneuropeia que permite que as pessoas enviem e recebam pagamentos em euros (\u20ac) entre duas contas banc\u00e1rias dentro da zona do euro. Com a SEPA, transferir dinheiro dentro da zona do euro \u00e9 t\u00e3o f\u00e1cil quanto uma transfer\u00eancia banc\u00e1ria nacional. A SEPA tem 36 estados-membros: Andorra, \u00c1ustria, B\u00e9lgica, Bulg\u00e1ria, Cro\u00e1cia, Chipre, Ch\u00e9quia, Dinamarca, Est\u00f3nia, Finl\u00e2ndia, Fran\u00e7a Alemanha, Gr\u00e9cia, Hungria, Isl\u00e2ndia, Irlanda, It\u00e1lia, Let\u00f3nia, Liechtenstein, Litu\u00e2nia, Luxemburgo, Malta, M\u00f3naco, Noruega, Pol\u00f3nia, Portugal, Rom\u00e9nia, S\u00e3o Marino, Eslov\u00e1quia, Eslov\u00e9nia, Espanha, Su\u00e9cia, Su\u00ed\u00e7a, Pa\u00edses Baixos e Vaticano. O Reino Unido continua a ser um pa\u00eds SEPA apesar do Brexit.<\/span><\/p>\n

SHA (Partilhado)
\n<\/strong>SHA significa que paga apenas a taxa de transfer\u00eancia de sa\u00edda do seu banco. Recebemos o seu pagamento menos a taxa do banco correspondente, ou seja, as taxas do banco intermedi\u00e1rio.<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"

Para poder realizar pagamentos, precisa de entender os v\u00e1rios c\u00f3digos banc\u00e1rios envolvidos. De seguida, prestamos uma explica\u00e7\u00e3o sobre o que representam estes c\u00f3digos e a que tipos de transa\u00e7\u00f5es se aplicam. IBAN (N\u00famero Internacional de Conta Banc\u00e1ria) Um IBAN \u00e9 um n\u00famero padronizado e reconhecido internacionalmente que \u00e9 usado para identificar uma conta banc\u00e1ria. Cont\u00e9m…<\/p>\n","protected":false},"author":3,"featured_media":0,"template":"","meta":{"_acf_changed":false,"footnotes":""},"faq_category":[352,358],"class_list":["post-22592","faq","type-faq","status-publish","hentry","faq_category-for-buyers","faq_category-cost-payments"],"acf":[],"yoast_head":"\n6.7 O que significam os c\u00f3digos banc\u00e1rios IBAN, BIC, SEPA e SHA? \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\/pt-pt\/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=\"pt_PT\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"6.7 O que significam os c\u00f3digos banc\u00e1rios IBAN, BIC, SEPA e SHA?\" \/>\n<meta property=\"og:description\" content=\"Para poder realizar pagamentos, precisa de entender os v\u00e1rios c\u00f3digos banc\u00e1rios envolvidos. 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