According to the provisions of the Directive n.64/2007/CE PSD (Payment Services Directive, PSD) from November 1, 2009 are varied operating modes:

• You can not do debit currency transfers with the previous day in which it is charged. So the currency's charge will be equal to the date of the order, removing the possibility of paying to indicate the currency in favor of the payee.
• The amounts transferred by wire are available to the beneficiary on the day of accreditation on behalf of the Bank.
• IBAN code becomes mandatory as unique identifier must be indicated for the execution of credit transfers.