2019 v1.0

SEPA Credit Transfer Scheme Interbank Implementation Guidelines 2019 Version 1.0

These implementation guidelines ( ) set out the Single Euro Payments Area ( ) rules for implementing the interbank ISO 20022 XML message standards based on the versions 1.0 and 1.1 of the 2019 Credit Transfer ( ) Rulebook.

The 2019 version 1.0 supersede the 2017 Interbank version 2.1 issued, with effective date 17 November 2019, on 28 June 2018. 

An ‘Addenda and Errata’ document was published on 27 May 2019 which lists some further clarifications as well as a number of updates to these . Also, for additional clarification about the inquiry process please consult document EPC 131-17 v1.4 ‘Clarification Paper SCT and SCT Inst Scheme Rulebooks’. 

Moreover, a detailed guidance document on how to instruct extended remittance information (ERI),  including a number of practical examples, can be downloaded from the below link.

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'.

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