SEPA Credit Transfer

SCT Additional Optional Services (AOS)


Section 2.3 of the SCT Rulebook states:

The scheme recognises that individual scheme participants and communities of participants will provide complementary services based on the scheme so as to meet further specific customer expectations. These are described as Additional Optional Services (AOS). Scheme participants are payment service providers that have formally adhered to the SEPA Scheme(s).The following two types of AOS are identified:

  • AOS provided by banks to their customers as value-added services, which are nevertheless based on the core payment schemes. These AOS are purely a matter for banks and their customers in the competitive space.
  • AOS provided by local, national and pan-European communities of banks, such as the use of additional data elements in the ISO 20022 XML standards. Any community usage rules for the use of the Single Euro Payments Area (SEPA) core mandatory subset of the ISO 20022 XML standards should also be mentioned in this context, although they are not per se AOS. Other AOS may be defined, for example, relating to community provided delivery channels for customers.

Participants may only offer AOS in accordance with the following principles:

  • All AOS must not compromise interoperability of the Scheme nor create barriers to competition. The Scheme Management Board (SMB) may receive complaints from Participants in relation to the operation of community AOS. The SMB will strive to resolve the issue in an amicable way. If no solution can be found, the SMB may refer the complaint to the Compliance and Adherence Committee, which will deal with it in an appropriate way, in accordance with the Scheme Management Internal Rules.
  • AOS are part of the market space and should be established and evolve based on market needs. Based on these market needs, the European Payments Council (EPC) may incorporate commonly used AOS features into the scheme through the change management processes set out in the Internal Rules.
  • There should be transparency in relation to community AOS. In particular, details of community AOS relating to the use of data elements present in the ISO 20022 XML payment standards (including any community usage rules for the SEPA core mandatory subset) should be disclosed on a publicly available website (in both local language(s) and English).

These AOS are not further described in the rulebook as they are to be generally considered as competitive offerings provided by both individual participants and communities of participants and are therefore out of scope.

The following operational SCT AOS have been advised to the EPC. For each AOS a link is provided to the website where the specification of the AOS is publicly available for download.


Belgium - Description of AOS's applied to SCT and SDD - Structured Remittance Information 'OGM - VCS'

France - Description of AOS - SEPA Credit Transfer Reversal

Finland - Description of AOS's applied to SEPA Credit Transfer

Greece - Description of AOS's applied to SEPA Credit Transfer

Italy - Description of AOS's - SEPA Credit Transfer Routing 

Slovakia - Description of AOS's applied to SEPA Credit Transfer


Important Disclaimer:

The EPC has used reasonable endeavours to make this list of current SCT AOS accurate and complete, it does not accept liability for any errors or omissions arising directly or indirectly from use of the information or data contained in the above list.

The EPC cannot be held liable for any consequence in case (groups of) individual SCT scheme participants would not have reported the provision of other SCT AOS to the EPC.

Links from this website to other sites are for information purposes only. EPC accepts no responsibility or liability arising from access to, or for the material on, any site to which it is linked, nor does the presence of links to other sites imply any endorsement by EPC of these sites, their contents or their privacy practices.

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