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 Credit Transfer ( ) Rulebook, which takes effect on 17 November 2019.
An ‘Addenda and Errata’ document was published on 27 May 2019 which contains an update to these .
XML Schema Definitions (XSDs) related to the aforementioned are also made available. Moreover, updated XSDs resulting from the aforementioned ‘Addenda and Errata’ document have also been provided below. (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'.