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Payment Accounts and Transaction Accounts
Background

Payment Accounts and Transaction Accounts

A payment account is an account held by a payment service provider in the name of one or more payment service users which is used for the execution of payment transactions. A transaction account is a type of payment account held only by a bank established in the Republic of Slovenia or by a branch of a Member State bank in the Republic of Slovenia in the name of one or more payment service users, which may also be used for other purposes related to the provision of banking services. One form of transaction account is the payment account with basic features, which all Slovenian banks offering transaction accounts are obliged to provide and is primarily intended for consumers who can not open a transaction account due to (non)residential and/or financial status. The fiduciary account also has the status of a transaction account, which may be opened by a (specific) holder in their own name, but for the account of third parties.

Every consumer has the option of switching a payment account held with a payment service provider in Slovenia. The switching process is regulated in detail by the Payment Services, Services for Issuing Electronic Money and Payment Systems Act (ZPlaSSIED).

International Bank Account Number (IBAN)

The International Bank Account Number (IBAN) was introduced in response to the growing need to improve the effectiveness of the execution of payments, particularly cross-border payments. The main advantage of a standardised bank account structure is that it allows the automatic processing and routing of payments. Payments processed in this way are executed more rapidly, at lower cost, and with significantly less possibility of error.

The IBAN structure is designed to allow unique identification, based on which it is possible to differentiate the country of the payment service provider, the payment service provider that manages the account, and the account holder.

Illustration and example of payment account number in Slovenian IBAN structure:

IBAN

BBAN*

b

National identification code of payment service provider

d

d

e

e

b1

b1

b2

b2

b2

a

a

a

a

a

a

a

a

c

c

Country code (Slovenia)

Check digits of payment account

Two-digit identification code of payment service provider

Three-digit identification code of organisational unit of payment service provider

Identification code of holder of payment account with payment service provider

BBAN check digits

S

I

5

6

0

1

0

0

0

0

0

0

0

1

0

0

0

9

0

The payment account number is composed of 19 alphanumeric characters, broken down into the following groups in the order prescribed:

  1. the country code for Slovenia (d),

  2. the check digits of the payment account (e), and

  3. the part of the payment account number that corresponds to the BBAN within the IBAN, and is broken down into the following groups in the order prescribed:

    • the national identification number of the IBAN provider and its organisational units (b);

    • the identification number of the holder of the payment account with the IBAN provider (a);

    • the BBAN check digits (c).

A detailed description of the IBAN structure in each country (the IBAN Registry) can be found on the SWIFT website. Slovenia’s IBAN structure is governed by the Regulation on the content and use of the Slovenian structure of the international bank account number.

Transaction accounts register

Data about transaction accounts and holders of transaction accounts is collected in the transaction accounts register, which is administered by the Agency of the Republic of Slovenia for Public Legal Records and Related Services (AJPES).

The management of the transaction accounts register is defined in the ZPlaSSIED, with access to the data being granted by AJPES. Data about the transaction accounts of business entities is public, while data about the transaction accounts of individuals is confidential and can only be obtained by those authorised to do so.

Identification code and BIC

The purpose of the national identification code is to identify the IBAN provider, and it is used for the derivation of the business identifier code (the BIC, which is assigned by SWIFT) of the final payee on the basis of its IBAN.

The BIC (also known as the SWIFT code) is used for the automatic identification and routing of financial transactions, and provides a unique identification for financial and non-financial institutions.

List of BICs and two- or five-digit* (national) identification numbers of Slovenian IBAN providers

NAME

 ADDRESS

 BIC

2- and 5-digit

(national)

identification number

 ADDIKO BANK D.D.

Dunajska 117
1000 Ljubljana

HAABSI22

33

 BANKA INTESA SANPAOLO D.D.

Pristaniška 14
6502 Koper

BAKOSI2X

10

 BANKA SLOVENIJE

Slovenska 35
1505 Ljubljana

BSLJSI2X

01

 BANKA SPARKASSE D.D.

Cesta v Kleče 15
1000 Ljubljana

KSPKSI22

34

 BKS BANK AG, BANČNA PODRUŽNICA

Verovškova ulica 55A
1000 Ljubljana

BFKKSI22

35

 DELAVSKA HRANILNICA D.D., LJUBLJANA

Miklošičeva 5
1000 Ljubljana

HDELSI22

61

 DEŽELNA BANKA SLOVENIJE D.D.

Kolodvorska 9
1000 Ljubljana

SZKBSI2X

19

 GORENJSKA BANKA D.D., KRANJ

Bleiweisova 1
4000 Kranj

GORESI2X

07

 HRANILNICA LON D.D., KRANJ

Žanova ulica 3
4000 Kranj

HLONSI22

60

 KDD ‒ CENTRALNA KLIRINŠKO DEPOTNA DRUŽBA D.O.O.

Tivolska cesta 48
1000 Ljubljana

KDDSSI22

79

OTP BANKA D.D.

Slovenska cesta 58
1000 Ljubljana

KBMASI2X

03

KBMASI2X

04

KBMASI2X

05

 NOVA LJUBLJANSKA BANKA D.D., LJUBLJANA

Trg republike 2
1520 Ljubljana

LJBASI2X

02

LJBASI2X

30

 PRIMORSKA HRANILNICA VIPAVA D.D.

Glavni trg 15
5271 Vipava

HKVISI22

64

 SID ‒ SLOVENSKA IZVOZNA IN RAZVOJNA BANKA D.D., LJUBLJANA

Ulica Josipine Turnograjske 6
1000 Ljubljana

SIDRSI22

38

UNICREDIT BANKA SLOVENIJA D.D.

Ameriška ulica 2
1000 Ljubljana

BACXSI22

29

MBILLS, družba za izdajo elektronskega denarja in plačilne storitve, d.o.o.

Tržaška cesta 118, 1000 Ljubljana

/

91001

Paywiser, družba za izdajo elektronskega denarja in plačilne storitve, d.o.o.

Bravničarjeva ulica 13, 1000 Ljubljana

/

91002

* In accordance with the Regulation on the content and application of the Slovenian structure of the international bank account number, a five-digit national identification number is assigned to an IBAN provider that is a payment institution, a payment institution with an exemption, an electronic money institution or an electronic money institution with an exemption at its request. Banka Slovenije assigns other IBAN providers a two-digit identification number, with the remaining three digits in the national identification number being assigned by the IBAN provider itself.

List of 5-digit NATIONAL IDs with corresponding BICs (updated 6 March 2025)