2019 v1.0

SEPA Instant 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 the versions 1.0, 1.1 and 1.2 of the 2019 Instant Credit Transfer ( ) rulebook.

An errata document was published on 27 May 2019 which contains a minor update to these

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. 

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