# SEPA transfer
Regulations concerning transfers have changed: banks now use SEPA transfers, a new interstate payment system initiated by the debtor, allowing bank-to-bank transfers in all countries in the eurozone.
Go to **Settings > Plug-ins and options, \[\[Cash Flow]]**, and select bank transfer as the payment method.
## Bank account
**SEPA transfers** are used to send or receive money between bank accounts. If the company wants to **receive transfers** (e.g., payments from customers) or send transfers (e.g., payments to suppliers), **it needs its own bank account.**
The director of **MASOCIETE** instructs the cash flow department to open a **bank account** in the company's name in order to facilitate **transactions** with **customers** and operations with **suppliers.**
## **Implementation**
To create the bank account, go to **Cash Flow > Bank Accounts,** then click **\[\[New]]**.
Enter the **Bank\***, **Account, Journal\*, Currency\***, **Actual Account Balance**, and **Bank Information for the company.**
## Create SEPA transfer
SEPA transfers enable interbank transactions between a company and its customers.
Once the company bank account has been successfully created, the director asks the purchasing department to place two orders—**5 deck chairs and 10 dressers**—with the supplier **RENAULT**, in order to complete a large customer order.
Following these orders, the supplier issues and sends us the corresponding **purchase invoices**.
In order to avoid any future **debt to the supplier**, the Cash flow department then makes a SEPA transfer to settle all invoices.
## Implementation
To create a **SEPA transfer,** purchase invoices must first be recorded and available in **Purchase > Supplier invoices > Purchase invoices.**
{% hint style="info" %}
Be sure to **enter the due date correctly**, because in order to find the invoice in the list of transfers, the date r**ange selected in the transfers screen must include this date.**
Also remember to set the **payment mode** for your invoices to **“Bank Transfer”** in the **\[Payment]** tab of the purchase invoice.
{% endhint %}
Then enter your invoices into accounting via **Accounting > Entry Management > Automatic Transfer.**
To create a **SEPA transfer**, go to **Cash flow > Outflow Management > SEPA wire Transfer.**Select the **desired third-party type**, then enter the **bank details** at the bottom of the screen.Carefully check the **date range**: the transfers offered will only correspond to due dates within this period.
{% hint style="warning" %}
Please ensure that the folder specified in **“Generated file”** exists and is **accessible.**
{% endhint %}
Next, go to section **\[2 - List transfers]** and click on **\[\[List transfers]]** to pre-fill the list of transfers to be made.
Simax offers you the option of combining the two invoices into a **single transfer line.** If you wish to process them separately, you can check the **| Detailed |** option.
Finally, click **\[\[Save]]**, and your SEPA transfer will be created.
## Send the transfer to the bank
From **Cash flow > Outflow management > SEPA wire transfer,** you can view the list of transfers you have created.
These transfers can be sent in two ways: **manually** or via the **EBICS channel.**
## Manual sending
Open your SEPA transfer, locate the output file, then click **\[\[Export and account for transfer]].**
The transfer file will be available in the **specified folder**. You can send it to your bank either by **email** or via the **bank payment tool** provided by your institution.
## Sending via EBICS
{% hint style="danger" %}
**Please note**: sending via EBICS requires you to first configure your EBICS channel in your bank account (C**ash Flow> Bank Account**).Please refer to the relevant documentation for more details.
{% endhint %}
Open your transfer, select **EBICS** as the **transfer type**, then click **\[\[Save]]**.
Select your transfer, then click **\[\[Send to bank]]**.
{% hint style="info" %}
For more information on transfers sent via the EBICS channel, you can consult the logs in **Cashflow > Outflow Management > Log Transfer EBICS.**
{% endhint %}
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