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SEPA Instant Credit Transfer rulebook and implementation guidelines

The SEPA Instant Credit Transfer (SCT Inst) scheme will make European payments faster and ever more convenient.

SEPA Instant Credit Transfer rulebook

This EPC payment scheme enables euro credit transfers with the funds made available on the account in less than ten seconds at any time and in an area that will progressively span over 36 European countries. All payment service providers (PSPs) are invited to adhere to the scheme as soon as possible. The technical information for implementing the scheme is available on this page.

SCT Inst rulebook currently in effect

The SCT Inst rulebook currently in effect up to 16 November 2025 08:00 CET is the 2023 SCT Inst rulebook version 1.2. Version 1.2 formally replaced version 1.1 of the 2023 SCT Inst rulebook at its publication on 14 November 2023.

Read more about the 2023 SCT Inst rulebook version 1.2 

Read more about the maximum amount per SCT Inst instruction under the 2023 SCT Inst rulebook version 1.2 

The Implementation Guidelines of the 2023 SCT Inst rulebook are based on the 2019 message version of the ISO 20022 standard.

Read more about the 2023 SCT Inst Customer-to-PSP IGs version 1.2

Read more about the 2023 SCT Inst Inter-PSP IGs version 1.2

Do you want to use the EPC’s Intellectual Property Rights related to its SEPA payment schemes’ rulebooks and implementation guidelines for non-euro transactions? Click here for more information.