Other 02 January 2023| Version v4.0 EPC List of SEPA Scheme Countries Other Credit transfer Direct debit Instant credit transfer EPC409-09 EPC List of SEPA Scheme Countries v4.0 DownloadPDF | 306.07 KB
Other 01 March 2019 Map of SEPA Scheme Countries and Territories Other Credit transfer Direct debit Media and communication EPC027-19 Map of SEPA countries and territories DownloadPDF | 5.39 MB
Other 04 March 2024| Version v4.0 Guide for Adherence to the SEPA Request to Pay scheme Other Adherence SEPA Request-to-Pay (SRTP) EPC085-21 Guide to the SEPA RTP Scheme Adherence Process DownloadPDF | 551.77 KB
Other 17 January 2024| Version v5.0 SEPA Credit Transfer scheme adherence pack Other Credit transfer Adherence SCT adherence document templates DownloadZIP | 105.43 KB
Other 17 January 2024| Version v5.0 SEPA Instant Credit Transfer scheme adherence pack Other Instant credit transfer Adherence SCT Inst adherence document templates DownloadZIP | 102.33 KB
Other 17 January 2024| Version v5.0 SEPA Direct Debit Core scheme adherence pack Other Direct debit Adherence SDD Core scheme adherence document templates DownloadZIP | 92.46 KB
Other 17 January 2024| Version v5.0 SEPA Direct Debit Business-to-Business scheme adherence pack Other Direct debit Adherence SDD B2B scheme adherence document templates DownloadZIP | 95.39 KB
Guidance documents 18 March 2024| Version v10.0 Creditor Identifier Overview Guidance documents Direct debit SDD mandate EPC262-08 v10.0 Creditor Identifier Overview DownloadPDF | 4.27 MB
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
Other 23 October 2020 Criteria for the extension of the SEPA geographical scope Other Adherence Credit transfer Direct debit Governance EPC061-14 v5.0 Criteria for the extension of the SEPA geographical scope DownloadPDF | 256.18 KB
Rulebooks 22 December 2023| Version 3.2 The SEPA Request-to-Pay scheme rulebook version v3.2 Rulebooks SEPA Request-to-Pay (SRTP) EPC014-20 v3.2 SEPA RTP Scheme Rulebook DownloadPDF | 2.1 MB
Rulebooks 30 November 2020| Version 1.0 The SEPA Request-To-Pay (SRTP) Scheme Rulebook Rulebooks SEPA Request-to-Pay (SRTP) EPC014-20 SEPA RTP Scheme Rulebook DownloadPDF | 1.37 MB
Other 01 December 2023| Version 1.0 SEPA Payment Account Access (SPAA) scheme adherence pack Other SEPA Payment Account Access (SPAA) Adherence SEPA Payment Account Access (SPAA) scheme adherence pack DownloadZIP | 69.07 KB
Rulebooks 31 May 2023| Version v3.1 The SEPA Request-to-Pay scheme rulebook version v3.1 Rulebooks SEPA Request-to-Pay (SRTP) EPC014-20 v3.1 SEPA RTP Scheme Rulebook DownloadPDF | 1.95 MB
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
Rulebooks 26 June 2023| Version v1.1 The SEPA Payment Account Access (SPAA) Scheme Rulebook v1.1 Rulebooks SEPA Payment Account Access Multi-Stakeholder Group (SPAA MSG) SEPA Payment Account Access (SPAA) EPC012-22 v1.1 SEPA Payment Account Access Scheme Rulebook DownloadPDF | 1.73 MB
Other 30 May 2023| Version v 6.0 Guide for Adherence to the SEPA Credit Transfer scheme, the SEPA Instant Credit Transfer scheme, the SEPA Direct Debit schemes and the One-Leg Out Instant Credit Transfer Other Adherence Credit transfer Direct debit Instant credit transfer One-Leg Out Instant Credit Transfer (OCT Inst) EPC012-17 Adherence Guide to the EPC Payment Schemes v6.0 DownloadPDF | 579.97 KB
Implementation Guidelines 16 December 2021| Version v2.0 SEPA Request-to-Pay Implementation Guidelines Version 2.0 Implementation Guidelines SEPA Request-to-Pay (SRTP) EPC133-20 SEPA Request-to-Pay IGs V2.0 (pdf) DownloadPDF | 15.3 MB EPC133-20 SEPA Request-to-Pay IGs V2.0 (ZIP file) DownloadZIP | 444.99 KB
Rulebooks 24 November 2022| Version v3.0 The SEPA Request-to-Pay scheme rulebook version v3.0 Rulebooks SEPA Request-to-Pay (SRTP) EPC014-20 v3.0 SEPA RTP Scheme Rulebook DownloadPDF | 1.95 MB
Rulebooks 30 November 2022| Version v1.0 The SEPA Payment Account Access (SPAA) Scheme Rulebook Rulebooks SEPA Payment Account Access (SPAA) EPC012-22 v1.0 SEPA Payment Account Access Scheme Rulebook DownloadPDF | 1.54 MB
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
Implementation Guidelines 01 February 2021| Version v1.0 SEPA Request-to-Pay Implementation Guidelines Version 1.0 Implementation Guidelines SEPA Request-to-Pay (SRTP) EPC133-20 SEPA Request-to-Pay IGs 2021 V1.0 DownloadPDF | 13.1 MB EPC133-20 SEPA Request-to-Pay IGs 2021 V1.0 XSD DownloadZIP | 352.35 KB
Guidance documents 28 October 2013 SEPA Requirements for an Extended Character Set (UNICODE Subset) - Best Practices Guidance documents Credit transfer Direct debit EPC217-08 SEPA Conversion Table.xls DownloadXLS | 229.5 KB EPC217-08 Best practices SEPA Requirements for an Extended character set DownloadPDF | 132.95 KB
Rulebooks 30 November 2021| Version v2.0 The SEPA Request-to-Pay scheme rulebook version v2.0 Rulebooks SEPA Request-to-Pay (SRTP) EPC014-20 v2.0 SEPA RTP Scheme Rulebook DownloadPDF | 1.54 MB
Other 11 March 2022 Terms and Conditions - Usage of SEPA Logo Other Media and communication EPC025-08-Terms-and-Conditions-SEPA-logo-v0.5 DownloadPDF | 279.38 KB
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 20 December 2018| Version 1.0 The SEPA Proxy Lookup (SPL) scheme rulebook Rulebooks SEPA Proxy Lookup (SPL) Mobile EPC250-18 - The SEPA Proxy Lookup (SPL) scheme rulebook DownloadPDF | 640.41 KB
Rulebooks 05 March 2020| Version 2.0 The SEPA Proxy Lookup (SPL) scheme rulebook version 2.0 Rulebooks Mobile SEPA Proxy Lookup (SPL) Person-to-Person mobile payments The SEPA Proxy Lookup (SPL) scheme rulebook version 2.0 DownloadPDF | 830.66 KB
Guidance documents 18 March 2024| Version v9.0 Guidelines for the appearance of mandates in the SEPA Direct Debit schemes Guidance documents Direct debit SDD mandate EPC392-08 v9.0 SDD Mandate Layout Guidelines DownloadPDF | 2.82 MB
Guidance documents 29 November 2019 Mobile Initiated SEPA (Instant) Credit Transfer Interoperability Guidance (MSCT IG) Guidance documents Multi-stakeholder group on mobile initiated SEPA credit transfers (MSG MSCT) Contactless payments Credit transfer Instant credit transfer Mobile SEPA Proxy Lookup (SPL) Person-to-Person mobile payments EPC 269-19v1.0 Mobile Initiated SEPA (Instant) Credit Transfer Interoperability Guidance (MSCT IG) DownloadPDF | 4.28 MB
EPC 269-19v1.0 Mobile Initiated SEPA (Instant) Credit Transfer Interoperability Guidance (MSCT IG) DownloadPDF | 4.28 MB
Guidance documents 02 July 2018 Mobile Contactless SEPA Card Payments Interoperability Implementation Guidelines Guidance documents Mobile Multi-stakeholder group on mobile contactless SEPA card payments (MSG MCP) Mobile Contactless SEPA Card Payments Interoperability Implementation Guidelines (EPC144-1777v1.0) DownloadPDF | 1.75 MB
Mobile Contactless SEPA Card Payments Interoperability Implementation Guidelines (EPC144-1777v1.0) DownloadPDF | 1.75 MB
Other 11 March 2022 SEPA Logo - Visual Identity Guidelines Other Media and communication EPC034-08 VIG SEPA logo.pdf DownloadPDF | 256.13 KB
Other 07 October 2021 Terms of reference of the SEPA Payment Account Access Multi Stakeholder Group (SPAA MSG) Other SEPA Payment Account Access Multi-Stakeholder Group (SPAA MSG) EPC166-21v1.1_Terms of reference of the SEPA Payment Account Access Multi Stakeholder Group (SPAA MSG) DownloadPDF | 220.76 KB
EPC166-21v1.1_Terms of reference of the SEPA Payment Account Access Multi Stakeholder Group (SPAA MSG) DownloadPDF | 220.76 KB
Other 30 May 2023| Version 1.0 One-Leg Out Instant Credit Transfer scheme adherence pack Other One-Leg Out Instant Credit Transfer (OCT Inst) Adherence OCT Inst scheme adherence pack DownloadZIP | 114.55 KB
Rulebooks 30 June 2022| Version v2.1 SRTP scheme rulebook version 2.1 Rulebooks SEPA Request-to-Pay (SRTP) EPC014-20 The Sepa Request-to-Pay scheme rulebook version V2.1 DownloadPDF | 1.56 MB
Guidance documents 18 March 2024| Version v3.1 Quick Response Code: Guidelines to Enable Data Capture for the Initiation of a SEPA Credit Transfer Guidance documents Credit transfer EPC069-12 v3.1 Quick Response Code - Guidelines to Enable the Data Capture for the Initiation of an SCT DownloadPDF | 383.88 KB
EPC069-12 v3.1 Quick Response Code - Guidelines to Enable the Data Capture for the Initiation of an SCT DownloadPDF | 383.88 KB
Other 30 August 2021| Version v1.0 Terms of reference of the SEPA Payment Account Access Multi-Stakeholder Group (SPAA MSG) Other Terms of reference of the SEPA Payment Account Access MultiStakeholder Group (SPAA MSG) DownloadPDF | 219.93 KB
Terms of reference of the SEPA Payment Account Access MultiStakeholder Group (SPAA MSG) DownloadPDF | 219.93 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
Minutes and agendas 26 March 2024 Minutes of the 28th meeting of the SEPA Payment Account Access Multi-Stakeholder Group (SPAA MSG) – 27 February 2024 Minutes and agendas SEPA Payment Account Access Multi-Stakeholder Group (SPAA MSG) SPAA MSG 004-24 v1.0 Minutes 28th Meeting of the SPAA MSG – 27 February 2024 DownloadPDF | 385.67 KB
Rulebooks 13 June 2022 Public consultation on the SEPA Payment Account Access Scheme Rulebook Rulebooks Public consultation SEPA Payment Account Access Multi-Stakeholder Group (SPAA MSG) EPC012-22 v0.9 SEPA Payment Account Access Scheme Rulebook - Draft version for public consultation DownloadPDF | 1.76 MB EPC123-22 v1.0 SPAA Possible Additional Functionality for Public Consultation DownloadDOCX | 204.24 KB EPC112-22 v1.0 Response template for public consultation on SPAA scheme rulebook DownloadDOCX | 204.85 KB
EPC012-22 v0.9 SEPA Payment Account Access Scheme Rulebook - Draft version for public consultation DownloadPDF | 1.76 MB
EPC123-22 v1.0 SPAA Possible Additional Functionality for Public Consultation DownloadDOCX | 204.24 KB
EPC112-22 v1.0 Response template for public consultation on SPAA scheme rulebook DownloadDOCX | 204.85 KB
Guidance documents 08 July 2021 Public consultation on draft second release “Mobile Initiated SEPA (Instant) Credit Transfer Interoperability Guidance (MSCT IG)” Guidance documents Instant credit transfer Mobile SEPA Proxy Lookup (SPL) Multi-stakeholder group on mobile initiated SEPA credit transfers (MSG MSCT) Person-to-Person mobile payments Public consultation Request-To-Pay Multi-Stakeholder Group (RTP MSG) Mobile Initiated SEPA (Instant) Credit Transfer Interoperability Guidance – draft 2nd release (EPC269-21v1.14) DownloadPDF | 9.74 MB Feedback questionnaire New MSCT use cases and interoperability models (MSG MSCT 074-21v1.0) DownloadDOCX | 350.45 KB
Mobile Initiated SEPA (Instant) Credit Transfer Interoperability Guidance – draft 2nd release (EPC269-21v1.14) DownloadPDF | 9.74 MB
Feedback questionnaire New MSCT use cases and interoperability models (MSG MSCT 074-21v1.0) DownloadDOCX | 350.45 KB
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