Código de Entidad
The Código de Entidad is a 4-digit code identifying Spanish financial institutions. Combined with a 4-digit branch code (oficina), 2 control digits, and a 10-digit account number, it forms the CCC (Código Cuenta Cliente) embedded in Spanish IBANs.
At a glance
Country
Spain
Identifier
CCC
Format
4 digits
Used for
Domestic transfers
Format breakdown
0049
Entity Code
1–4
Bank identifier (e.g. 0049 = Santander)
0001
Office Code
Separate
Branch identifier
85
Control Digits
Separate
Checksum validation
How CCC works
The 4-digit entity code identifies the bank, and the 4-digit office code identifies the branch. These are embedded in the IBAN and used for SEPA transfers and domestic direct debits.
Where to find yours
On your bank statement, in your online banking app, or embedded in your IBAN (digits 5–8 for entity, 9–12 for office).
Payment systems in Spain
| System | Speed | Description |
|---|---|---|
| SEPA Instant | Under 10 seconds | Instant euro transfers across the eurozone |
| SEPA Credit Transfer | 1 business day | Standard euro transfers within Europe |
| Bizum | Instant | Mobile P2P payment system used by most Spanish banks |
Major banks in Spain
Good to know
Spanish IBANs are 24 characters: ES + 2 check digits + 4-digit entity + 4-digit office + 2 control + 10 account.
Bizum is the most popular P2P payment method — it uses your phone number, not bank codes.
Key entity codes: 0049 = Santander, 0182 = BBVA, 2100 = CaixaBank, 0081 = Sabadell.
Related tools
Other countries
Frequently asked questions
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