Version
2019 v1.0

SEPA Credit Transfer Scheme Customer-to-Bank Implementation Guidelines 2019 Version 1.0

These implementation guidelines () set out the Single Euro Payments Area () rules for implementing the customer-to-bank (C2B) ISO 20022 XML message standards based on version 1.0 of the 2019 SEPA Credit Transfer (SCT) Rulebook , which takes effect on 17 November 2019.

XML Schema Definitions (XSDs) related to the aforementioned are also made available. (Note: XSD files can be opened via a text editor (e.g. Microsoft Notepad) or XML Schema editor.)

Disclaimer: XSDs are not developed for ‘production’ purposes, they are to instantiate the business rules and restrictions contained in the implementation guidelines in a formal interchange format, sometimes referred to as Technical Validation Subsets (TVSs). Production instantiations should refer to the default ISO 20022 namespaces. 

For more information on the data formats based on the global ISO 20022 message standards, refer to the Publication 'Shortcut to the SEPA Data Format'

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