BIPS (Bankart Instant Payment System)Technical infrastructure behind the Flik scheme. Bankart is also the card processor for the Slovenian market, a concentration of infrastructure that warrants attention from an operational risk standpoint.Bankart d.o.o. · since 2019
Global registry · Europe · Southern Europe
Slovenia Payment systems
2 systems listed.
This country doesn’t have a written market analysis yet: e-commerce shares, regulator, and key players are still to be documented. The systems below, however, are verified.
IBAN · Slovenia
19 charactersSEPA area829 bank codes64 BIC codes
- Total length
- 19 characters
- Bank code position
- 5–9
- BBAN structure
5!n8!n2!n
Structurally valid example
SIcountry code56check digits26330bank0012039086account
SI56 2633 0001 2039 086
Learn about this market. The guides and courses that cover it.
Merchant, acquirer, PSPPayment regulationCentral banks and payment infrastructuresAgents, distributors, and banking-as-a-service: who is liable for whatPayments in the BalkansPayments in the Baltics and FinlandAccepting payments in Germany, Austria, and SwitzerlandAccepting payments in Spain and PortugalChoosing a jurisdiction for your payment institutionAccepting payments in the Netherlands and BelgiumAccepting payments in the NordicsAccepting payments in Poland and Central Europe
Instant payments
FlikNational instant P2P scheme using phone numbers or email addresses, capped at €15,000 and adopted jointly by every PSP in the country. A model of industry-wide cooperation in a small market: Slovenia has one of the highest instant payment shares in the euro area.Bankart d.o.o. (for all Slovenian PSPs) · since 2019more than 800,000 users and about 2 million transactions a month; more than 80% of Slovenian SEPA transactions already go through as instant payments (Bankart, 2025)