Rulebooks 12 March 2024| Version v1.0 SEPA Credit Transfer Rulebook - Public Consultation Document on 2024 Change Requests and Response Template Rulebooks Credit transfer Public consultation EPC006-24 SCT Scheme Rulebook - Public Consultation Document on 2024 Change Requests DownloadPDF | 3.18 MB EPC011-24 Response template - SCT - 2024 scheme change management cycle DownloadXLSX | 667.72 KB
EPC006-24 SCT Scheme Rulebook - Public Consultation Document on 2024 Change Requests DownloadPDF | 3.18 MB
Rulebooks 20 February 2024 Public consultation on the Verification Of Payee Scheme Rulebook Rulebooks Credit transfer Instant credit transfer Public consultation Regulatory Verification Of Payee (VOP) EPC218-23 2024 Verification Of Payee Scheme Rulebook v0.1 for public consultation DownloadPDF | 1.17 MB EPC288-23 Proposed EPC Recommendations for the Matching Processes under the VOP Scheme Rulebook DownloadPDF | 230.44 KB EPC289-23 VOP Scheme Rulebook - response template for public consultation DownloadDOCX | 207.82 KB
EPC218-23 2024 Verification Of Payee Scheme Rulebook v0.1 for public consultation DownloadPDF | 1.17 MB
EPC288-23 Proposed EPC Recommendations for the Matching Processes under the VOP Scheme Rulebook DownloadPDF | 230.44 KB
Rulebooks 14 November 2023| Version 1.1 2023 SEPA Credit Transfer rulebook version 1.1 Rulebooks Credit transfer EPC125-05 2023 SCT Rulebook version 1.1 DownloadPDF | 1.65 MB
Rulebooks 14 November 2023| Version 1.3 2021 SEPA Credit Transfer rulebook version 1.3 Rulebooks Credit transfer EPC125-05 2021 SCT Rulebook version 1.3 DownloadPDF | 1.47 MB
Rulebooks 25 May 2022| Version v1.0 2023 SEPA Credit Transfer rulebook version 1.0 Rulebooks Credit transfer EPC125-05 2023 SCT Rulebook version 1.0 DownloadPDF | 1.3 MB
Rulebooks 25 May 2022| Version v1.2 2021 SEPA Credit Transfer rulebook version 1.2 Rulebooks Credit transfer EPC125-05 2021 SCT Rulebook version 1.2 DownloadPDF | 1.28 MB
Rulebooks 13 December 2021| Version v1.1 2021 SEPA Credit Transfer rulebook version 1.1 Rulebooks Credit transfer EPC125-05 2021 SCT Rulebook version 1.1 DownloadPDF | 1.25 MB
Rulebooks 26 November 2020| Version v1.0 2021 SEPA Credit Transfer rulebook version 1.0 Rulebooks Credit transfer 2021 SCT Rulebook version 1.0 DownloadPDF | 1.3 MB
Rulebooks 25 May 2022| Version v1.0 EPC Multi-Stakeholder Group positions on 2022 SEMWG Change Proposals for the EPC SEPA payment scheme rulebooks Rulebooks Credit transfer Direct debit Governance Instant credit transfer Public consultation Scheme End-User Multi-Stakeholder Group (SEU MSG) Scheme Technical Player Multi-Stakeholder Group (STP MSG) EPC038-22 SEU MSG position on 2022 SEMWG Change Proposals for the EPC SEPA payment scheme rulebooks DownloadPDF | 355.74 KB EPC039-22 STP MSG position on 2022 SEMWG Change Proposals for the EPC SEPA payment scheme rulebooks DownloadPDF | 364.65 KB
EPC038-22 SEU MSG position on 2022 SEMWG Change Proposals for the EPC SEPA payment scheme rulebooks DownloadPDF | 355.74 KB
EPC039-22 STP MSG position on 2022 SEMWG Change Proposals for the EPC SEPA payment scheme rulebooks DownloadPDF | 364.65 KB
Rulebooks 13 September 2021| Version v1.0 SEPA Credit Transfer Rulebook - Public Consultation Document on 2022 Change Requests and Response Template Rulebooks Credit transfer Public consultation EPC156-21 SCT Scheme Rulebook - Public Consultation Document on 2022 Change Requests DownloadPDF | 3.19 MB EPC160-21 Response template - SCT - 2022 scheme change management cycle DownloadXLSX | 667.04 KB
EPC156-21 SCT Scheme Rulebook - Public Consultation Document on 2022 Change Requests DownloadPDF | 3.19 MB
Other 12 March 2024| Version v1.0 Template to Propose a Change to the EPC Payment Scheme Rulebooks Other Credit transfer Direct debit One-Leg Out Instant credit transfer Public consultation EPC064-24 v1.0 EPC payment scheme change request template DownloadDOCX | 431.45 KB
Rulebooks 18 January 2022| Version v0.1 Public consultation on the [Instant] Euro One-Leg Out Credit Transfer Arrangement Rulebook Rulebooks One-Leg Out Instant Credit Transfer (OCT Inst) Credit transfer Instant credit transfer Public consultation EPC145-21 [Instant] Euro One-Leg Out Credit Transfer Arrangement Rulebook v0.1 - for public consultation DownloadPDF | 2.24 MB EPC208-21 Max. Amount for Instant Euro OCT Instructions under the [Inst] Euro OCT Arrangement RB - for public consultation DownloadPDF | 219.38 KB EPC013-22 [Inst] Euro OCT Arrangement rulebook - Response template for public consultation DownloadDOCX | 207.35 KB
EPC145-21 [Instant] Euro One-Leg Out Credit Transfer Arrangement Rulebook v0.1 - for public consultation DownloadPDF | 2.24 MB
EPC208-21 Max. Amount for Instant Euro OCT Instructions under the [Inst] Euro OCT Arrangement RB - for public consultation DownloadPDF | 219.38 KB
EPC013-22 [Inst] Euro OCT Arrangement rulebook - Response template for public consultation DownloadDOCX | 207.35 KB
Rulebooks 09 January 2024| Version v5.0 EPC Payment Scheme Management Rules Rulebooks Adherence Credit transfer Direct debit Governance One-Leg Out Instant credit transfer Scheme End-User Multi-Stakeholder Group (SEU MSG) Scheme Technical Player Multi-Stakeholder Group (STP MSG) Dispute Resolution Committee (DRC) Payment Scheme Management Board (PSMB) EPC207-14 v5.0 EPC Payment Scheme Management Rules DownloadPDF | 519.01 KB
Guidance documents 03 November 2022| Version v2.0 Clarification paper on SEPA Credit Transfer and SEPA Instant Credit Transfer rulebooks Guidance documents Credit transfer Instant credit transfer EPC131-17 v2.0 Clarification Paper SCT and SCT Inst scheme rulebooks DownloadPDF | 733.67 KB
Other 28 March 2023| Version v1.0 2022 Public Consultation on the [Instant] Euro One-Leg Out Credit Transfer Arrangement Rulebook – Collected Comments with EPC Responses Other Credit transfer One-Leg Out Instant Credit Transfer (OCT Inst) Instant credit transfer Public consultation EPC091-22 [Inst] Euro OCT Arrangement rulebook - 2022 Public Consultation comments & EPC responses DownloadPDF | 1.13 MB
EPC091-22 [Inst] Euro OCT Arrangement rulebook - 2022 Public Consultation comments & EPC responses DownloadPDF | 1.13 MB
Rulebooks 25 May 2022| Version v1.0 2022 Public Consultation – EPC SEPA Payment Scheme Change Proposal Submission Documents Rulebooks Credit transfer Direct debit Governance Instant credit transfer Public consultation EPC005-22 v1.0 Change Proposal Submission Document - 2022 public consultation SCT change requests DownloadPDF | 565.5 KB EPC006-22 v1.0 Change Proposal Submission Document - 2022 public consultation SCT Inst change requests DownloadPDF | 633.96 KB EPC007-22 v1.0 Change Proposal Submission Document - 2022 public consultation SDD Core change requests DownloadPDF | 488.04 KB EPC008-22 v1.0 Change Proposal Submission Document - 2022 public consultation SDD B2B change requests DownloadPDF | 459.57 KB
EPC005-22 v1.0 Change Proposal Submission Document - 2022 public consultation SCT change requests DownloadPDF | 565.5 KB
EPC006-22 v1.0 Change Proposal Submission Document - 2022 public consultation SCT Inst change requests DownloadPDF | 633.96 KB
EPC007-22 v1.0 Change Proposal Submission Document - 2022 public consultation SDD Core change requests DownloadPDF | 488.04 KB
EPC008-22 v1.0 Change Proposal Submission Document - 2022 public consultation SDD B2B change requests DownloadPDF | 459.57 KB
Guidance documents 14 November 2023| Version 5.0 Guidance on reason codes for SEPA Credit Transfer R-transactions Guidance documents Credit transfer EPC135-18 v5.0 Guidance on Reason Codes for SCT R-transactions DownloadPDF | 453.4 KB
Guidance documents 14 November 2023| Version v4.1 EPC Recommendation on ISO 20022 Customer Reporting of SCTs and SDDs Guidance documents Credit transfer Direct debit Instant credit transfer EPC188-09 version 4.1 DownloadPDF | 895.13 KB
Guidance documents 14 November 2023| Version 1.1 Guidance on the use of structured addresses under the SEPA payment schemes as of November 2025 Guidance documents Credit transfer Direct debit Instant credit transfer EPC153-22 v1.1 EPC guidance document - Use of Structured Address under the SEPA Payment Schemes as of Nov 2025 DownloadPDF | 425.99 KB
EPC153-22 v1.1 EPC guidance document - Use of Structured Address under the SEPA Payment Schemes as of Nov 2025 DownloadPDF | 425.99 KB
Guidance documents 14 November 2023| Version 4.0 Guidance on the migration to the 2019 version of the ISO 20022-based XML messaging standard Guidance documents Credit transfer Direct debit Instant credit transfer EPC087-22 v4.0 EPC guidance document - Migration to the 2019 Version of ISO 20022-based XML Messaging Standard DownloadPDF | 790.67 KB
EPC087-22 v4.0 EPC guidance document - Migration to the 2019 Version of ISO 20022-based XML Messaging Standard DownloadPDF | 790.67 KB
Implementation Guidelines 14 November 2023| Version 2023 V1.1 SEPA Credit Transfer Inter-PSP Implementation Guidelines 2023 version 1.1 Implementation Guidelines Credit transfer EPC115-06 SCT Inter-PSP IG 2023 V1.1 DownloadPDF | 4.34 MB EPC115-06 SCT Inter-PSP IG 2023 V1.0 XSD UPDATE DownloadZIP | 281.99 KB EPC144-22 v1.0 Addendum to EPC115-06 SCT Inter-PSP IG 2023 V1.0 - List of detailed changes DownloadPDF | 748.97 KB EPC050-23 v1.0 Errata to the 2023 version 1.0 SCT IGs DownloadPDF | 529.29 KB
EPC144-22 v1.0 Addendum to EPC115-06 SCT Inter-PSP IG 2023 V1.0 - List of detailed changes DownloadPDF | 748.97 KB
Implementation Guidelines 14 November 2023| Version 2023 V1.1 SEPA Credit Transfer Customer-to-PSP Implementation Guidelines 2023 version 1.1 Implementation Guidelines Credit transfer EPC132-08 SCT C2PSP IG 2023 V1.1 DownloadPDF | 2.07 MB EPC132-08 SCT C2PSP IG 2023 V1.0 XSD UPDATE DownloadZIP | 67.33 KB EPC143-22 v1.0 Addendum to EPC132-08 SCT C2PSP IG 2023 V1.0 - List of detailed changes DownloadPDF | 462.49 KB EPC050-23 v1.0 Errata to the 2023 version 1.0 SCT IGs DownloadPDF | 529.29 KB
EPC143-22 v1.0 Addendum to EPC132-08 SCT C2PSP IG 2023 V1.0 - List of detailed changes DownloadPDF | 462.49 KB
Other 17 January 2024| Version v2.0 SEPA Credit Transfer scheme adherence pack - Extended Remittance Information option Other Adherence Credit transfer SCT ERI option adherence document templates DownloadZIP | 43.58 KB
Minutes and agendas 06 June 2023 Agenda and minutes of the third meeting of the Scheme End-User Multi-Stakeholder Group (March 2023) Minutes and agendas Credit transfer Direct debit One-Leg Out Instant credit transfer SEPA Proxy Lookup (SPL) Scheme End-User Multi-Stakeholder Group (SEU MSG) SEPA Request-to-Pay (SRTP) One-Leg Out Instant Credit Transfer (OCT Inst) SEU MSG 001-23 Agenda 3rd SEU MSG meeting 2023-03-28 DownloadPDF | 169.21 KB SEU MSG 002-23 Minutes 3rd SEU MSG meeting 28 March 2023 DownloadPDF | 302.06 KB
Minutes and agendas 06 June 2023 Agenda and minutes of the third meeting of the Scheme Technical Player Multi-Stakeholder Group (March 2023) Minutes and agendas Credit transfer Direct debit One-Leg Out Instant credit transfer SEPA Proxy Lookup (SPL) Scheme Technical Player Multi-Stakeholder Group (STP MSG) SEPA Request-to-Pay (SRTP) One-Leg Out Instant Credit Transfer (OCT Inst) STP MSG 001-23 Agenda 3rd STP MSG meeting 2023-03-29 DownloadPDF | 172.61 KB STP MSG 002-23 Minutes 3rd STP MSG meeting 29 March 2023 DownloadPDF | 295.81 KB
Minutes and agendas 30 November 2023 Agenda and minutes of the fourth meeting of the Scheme End-User Multi-Stakeholder Group (September 2023) Minutes and agendas Credit transfer Direct debit One-Leg Out Instant credit transfer SEPA Proxy Lookup (SPL) Scheme End-User Multi-Stakeholder Group (SEU MSG) SEPA Request-to-Pay (SRTP) One-Leg Out Instant Credit Transfer (OCT Inst) SEU MSG 003-23 Agenda 4th SEU MSG meeting 2023-09-12 DownloadPDF | 195.17 KB SEU MSG 004-23 Minutes 4th SEU MSG meeting 12 September 2023 DownloadPDF | 234.12 KB
Minutes and agendas 30 November 2023 Agenda and minutes of the fourth meeting of the Scheme Technical Player Multi-Stakeholder Group (September 2023) Minutes and agendas Credit transfer Direct debit One-Leg Out Instant credit transfer SEPA Proxy Lookup (SPL) Scheme Technical Player Multi-Stakeholder Group (STP MSG) SEPA Request-to-Pay (SRTP) One-Leg Out Instant Credit Transfer (OCT Inst) STP MSG 003-23 Agenda 4th STP MSG meeting 2023-09-13 DownloadPDF | 196.41 KB STP MSG 004-23 Minutes 4th STP MSG meeting 13 September 2023 DownloadPDF | 267.6 KB
Guidance documents 16 February 2023| Version v2.0 Clarification Paper on the Use of Slashes in References, Identifications and Identifiers Guidance documents Credit transfer Direct debit Instant credit transfer EPC230-15 V2.0 Clarification Paper on the Use of Slashes in References Identifications and Identifiers v2.0 DownloadPDF | 335.95 KB
EPC230-15 V2.0 Clarification Paper on the Use of Slashes in References Identifications and Identifiers v2.0 DownloadPDF | 335.95 KB
Minutes and agendas 20 October 2022 Agenda and minutes of the second meeting of the Scheme Technical Player Multi-Stakeholder Group (September 2022) Minutes and agendas Credit transfer Direct debit One-Leg Out Instant credit transfer SEPA Proxy Lookup (SPL) Scheme Technical Player Multi-Stakeholder Group (STP MSG) SEPA Request-to-Pay (SRTP) STP MSG 003-22 Agenda 2nd STP MSG meeting 2022-09-07 DownloadPDF | 192.42 KB STP MSG 004-22 Minutes 2nd STP MSG meeting 07 September 2022 DownloadPDF | 308.75 KB
Minutes and agendas 20 October 2022 Agenda and minutes of the second meeting of the Scheme End-User Multi-Stakeholder Group (September 2022) Minutes and agendas Credit transfer Direct debit One-Leg Out Instant credit transfer SEPA Proxy Lookup (SPL) Scheme End-User Multi-Stakeholder Group (SEU MSG) SEPA Request-to-Pay (SRTP) SEU MSG 003-22 Agenda 2nd SEU MSG meeting 2022-09-12 DownloadPDF | 195.91 KB SEU MSG 004-22 Minutes 2nd SEU MSG meeting 12 September 2022 DownloadPDF | 280.91 KB
Minutes and agendas 14 April 2022 Agenda and minutes of the first meeting of the Scheme End-User Multi-Stakeholder Group (March 2022) Minutes and agendas Credit transfer Direct debit One-Leg Out Instant credit transfer SEPA Proxy Lookup (SPL) Scheme End-User Multi-Stakeholder Group (SEU MSG) SEPA Request-to-Pay (SRTP) SEU MSG 001-22 Agenda 1st SEU MSG meeting 2022-03-01 DownloadPDF | 195.45 KB SEU MSG 002-22 Minutes 1st SEU MSG meeting 01 March 2022 DownloadPDF | 345.29 KB
Minutes and agendas 14 April 2022 Agenda and minutes of the first meeting of the Scheme Technical Player Multi-Stakeholder Group (March 2022) Minutes and agendas Credit transfer Direct debit One-Leg Out Instant credit transfer SEPA Proxy Lookup (SPL) Scheme Technical Player Multi-Stakeholder Group (STP MSG) SEPA Request-to-Pay (SRTP) STP MSG 001-22 Agenda 1st STP MSG meeting 2022-03-03 DownloadPDF | 192.61 KB STP MSG 002-22 Minutes 1st STP MSG meeting 03 March 2022 DownloadPDF | 412.12 KB
Minutes and agendas 21 December 2021 Agenda and minutes of the 13th meeting of the EPC Scheme End-User Forum (September 2021) Minutes and agendas Credit transfer Direct debit EPC Scheme End User Forum (SEUF) Instant credit transfer SEUF 003-21 Agenda 13th meeting Scheme End-User Forum 2021-09-10 DownloadPDF | 165.79 KB SEUF 004-21 Minutes 13th SEUF meeting 10 September 2021 DownloadPDF | 339.74 KB
Minutes and agendas 21 December 2021 Agenda and minutes of the 15th meeting of the EPC Scheme Technical Forum (September 2021) Minutes and agendas Credit transfer Direct debit EPC Scheme Technical Forum (ESTF) Instant credit transfer ESTF 003-21 Agenda 15th meeting EPC Scheme Technical Forum 2021-09-09 DownloadPDF | 168.01 KB ESTF 004-21 Minutes 15th ESTF meeting 09 September 2021 DownloadPDF | 398.57 KB
Implementation Guidelines 30 June 2022| Version 2023 V1.0 SEPA Credit Transfer Customer-to-PSP Implementation Guidelines 2023 version 1.0 Implementation Guidelines Credit transfer EPC132-08 SCT C2PSP IG 2023 V1.0 DownloadPDF | 2.07 MB EPC132-08 SCT C2PSP IG 2023 V1.0 XSD UPDATE DownloadZIP | 67.33 KB EPC143-22 v1.0 Addendum to EPC132-08 SCT C2PSP IG 2023 V1.0 - List of detailed changes DownloadPDF | 419.39 KB EPC050-23 v1.0 Errata to the 2023 version 1.0 SCT IGs DownloadPDF | 529.29 KB
EPC143-22 v1.0 Addendum to EPC132-08 SCT C2PSP IG 2023 V1.0 - List of detailed changes DownloadPDF | 419.39 KB
Implementation Guidelines 22 June 2022| Version 2023 V1.0 SEPA Credit Transfer Inter-PSP Implementation Guidelines 2023 version 1.0 Implementation Guidelines Credit transfer EPC115-06 SCT Inter-PSP IG 2023 V1.0 DownloadPDF | 4.38 MB EPC115-06 SCT Inter-PSP IG 2023 V1.0 XSD UPDATE DownloadZIP | 281.99 KB EPC144-22 v1.0 Addendum to EPC115-06 SCT Inter-PSP IG 2023 V1.0 - List of detailed changes DownloadPDF | 748.97 KB EPC050-23 v1.0 Errata to the 2023 version 1.0 SCT IGs DownloadPDF | 529.29 KB
EPC144-22 v1.0 Addendum to EPC115-06 SCT Inter-PSP IG 2023 V1.0 - List of detailed changes DownloadPDF | 748.97 KB
Minutes and agendas 26 May 2021 Agenda and minutes of the 12th meeting of the EPC Scheme End-User Forum (March 2021) Minutes and agendas Credit transfer Direct debit EPC Scheme End User Forum (SEUF) Instant credit transfer SEUF 001-21 Agenda 12th meeting Scheme End-User Forum 2021-03-25 DownloadPDF | 164.89 KB SEUF 002-21 Minutes 12th SEUF meeting 25 March 2021 DownloadPDF | 317.5 KB
Minutes and agendas 26 May 2021 Agenda and minutes of the 14th meeting of the EPC Scheme Technical Forum (March 2021) Minutes and agendas Credit transfer Direct debit EPC Scheme Technical Forum (ESTF) Instant credit transfer ESTF 001-21 Agenda 14th meeting EPC Scheme Technical Forum 2021-03-24 DownloadPDF | 167.4 KB ESTF 002-21 Minutes 14th ESTF meeting 24 March 2021 DownloadPDF | 359.87 KB
Implementation Guidelines 26 November 2020| Version 2021 V1.0 SEPA Credit Transfer Scheme Customer-to-PSP Implementation Guidelines 2021 version 1.0 Implementation Guidelines Credit transfer EPC132-08 SCT C2PSP IG 2021 V1.0 DownloadPDF | 1.9 MB EPC132-08 SCT C2PSP IG 2021 V1.0 XSD Update DownloadZIP | 50.38 KB EPC080-21v1.0 Errata to the 2021 Version 1.0 SCT IGs DownloadPDF | 583.76 KB