Business systems The most advantageous way of making CB transfers is by using our business systems. When you order a CB payment, we recommend that you always indicate your recipient’s IBAN and BIC. These codes have been required on all invoices in the EU since July 1, 2003. You should also be aware of the special rules on fees for cross-border payments in the EU. When you make cross-border payments in euros to recipients in the European Union (EU) and the European Economic Area (EEA), you must state a valid IBAN and BIC or else the payment will be rejected. Read more about EU cross-border payment fees. Request for an International outgoing payment / Foreign draft Use this form if you wish to order a foreign transfer or a foreign draft. Accounts in other countries If you make many CB payments, it might be an advantage for you to open an account with one of our branches or partner banks in the countries in question. We would be happy to advise you on the payment methods that are best suited to your particular business. Read about our programme of cash management services in most European countries where the Group does not not have branch representation: Danske World Gate.