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 Single Euro Payments Area Instant Credit Transfer ( ) rulebook version 1.0 entered into force on 17 November 2019 at 08:00 CET and remains in effect up to 01 April 2020 08:00 CET.
Annex IV of the 2019 rulebook version 1.0 lists all changes compared to the version 1.2 of the 2017 rulebook.