2023 SEPA Instant Credit Transfer rulebook version 1.0

In May 2022, 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 2023, when these updates come into effect.

Here you find the 2023 Instant Credit Transfer ( ) rulebook version 1.0 which takes effect on 19 November 2023 at 08:00 CET. 

Annex IV of the 2023 rulebook version 1.0 lists all changes compared to the version 1.0 of the 2021 rulebook.

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