2019 SEPA Credit Transfer rulebook version 1.0

In November 2018, the European Payments Council ( ) published updated and enhanced versions of the Credit Transfer ( ) and Direct Debit ( ) rulebooks. To ensure planning security for all market participants, the publication of the new rulebook versions follows a predictable release management cycle. 

In accordance with industry best practice, payment service providers and their suppliers have enough time to address the rulebook updates ahead of November 2019, when these updates come into effect.

The 2019 rulebook version 1.0 entered into force on 17 November 2019 and remains in effect until 21 November 2021. 

Annex III of the 2019 rulebook version 1.0 lists all changes compared to the version 1.3 of the 2017 rulebook.

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