Version
v1.1

2023 SEPA Instant Credit Transfer rulebook version 1.1

On 27 October 2022, the European Payments Council ( ) published the version 1.1 of the 2023 Single Euro Payments Area ( ) Instant Credit Transfer ( ) rulebook. This rulebook version replaces with immediate effect the version 1.0 of the 2023 rulebook published in May 2022.

The only change compared to the version 1.0 is the amended entry-into-force time of the 2023 rulebook which is now set at 03:30 CET on 19 November 2023 (instead of 08:00 CET communicated in the version 1.0 of the 2023 rulebook). 

This new entry-into-force time will be preceded by a  -wide 30 minutes downtime period from 03:00 CET up to 03:30 CET. During that downtime period, no single instruction, transaction, r-transaction, transaction investigation and any response message related to them will be possible.

Up to 03:00 CET, all payment messages will be in the 2009 version of the ISO 20022 standard. As of 03:30 CET, all payment messages will be in the 2019 version of that same standard. 

Annex IV of the 2023 rulebook version 1.1 lists all changes compared to the version 1.0 of the 2023 rulebook.

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