This is also a key tool for any PSP and Clearing and Settlement Mechanism (CSM) that needs to know which organisations are able to send and receive SEPA credit transfers (SCT) and direct debits (SDD) and One-Leg Out instant credit transfers (OCT Inst).
There is a Register of Participants for each European Payments Council scheme (the SCT, the SEPA Instant Credit Transfer (SCT Inst), the SDD Core, the SDD Business-to-Business (B2B), the SEPA Request-to-pay (SRTP), the SEPA Payment Account Access (SPAA) and the OCT Inst schemes). A separate register is kept for those SCT scheme participants that have adhered to the Extended Remittance Information option.
Only legal entities within SEPA that have adhered to the EPC schemes are included in the Register of Participants. Branches are not included, unless they are SEPA branches of a Payment Service Provider incorporated in a country that is outside the geographical scope of the SEPA schemes.
Scheme participants and CSMs as well as other technical infrastructures seeking to ensure their systems have up-to-date statuses for all participating PSPs (as well as non-PSPs for the SRTP scheme) can find the planned updates of the Register of Participants below. The schedule also includes the deadlines for applicant scheme participants to submit their adherence packs for a given Register update publication.
Download here the calendar of 2025.
In accordance with industry practice, the operational start date is the first Monday after the first full weekend of the month.
| Publication cycle | Adherence receipt deadline by EPC | Register SCT, SDD, SRTP and SPAA publication | Operational Readiness Date |
| 1 | 20 December 2024 | 10 January 2025 | 3 February 2025 |
| 2 | 17 January 2025 | 7 February 2025 | 3 March 2025 |
| 3 | 14 February 2025 | 7 March 2025 | 31 March 2025 |
| 4 | 21 March 2025 | 11 April 2025 | 5 May 2025 |
| 5 | 18 April 2025 | 9 May 2025 | 2 June 2025 |
| 6 | 23 May 2025 | 13 June 2025 | 7 July 2025 |
| 7 | 18 July 2025 | 8 August 2025 | 1 September 2025 |
| 8 | 22 August 2025 | 12 September 2025 | 6 October 2025 |
| 9 | 19 September 2025 | 10 October 2025 | 3 November 2025 |
| 10 | 17 October 2025 | 7 November 2025 | 1 December 2025 |
For those interested in knowing the numbers of PSPs who adhered to the SCT, SCT Inst, SDD Core, SDD B2B and OCT Inst schemes per country you can find the latest data in the document below.
EPC scheme participants may need to know the total number of scheme participants in order to be able to assess the percentage of scheme participants affected in the circumstances of a so-called major incident.
The Business Identifier Codes (BICs) that are listed in the Register of Participants are reference BICs only (used to unambiguously identify the scheme participants adhering to the relevant scheme), and must not be relied upon as valid routing BICs. Any organisation using these BICs for routing rather than reference purposes may face difficulties when initiating or processing transactions under the EPC schemes.
When a scheme participant chooses a CSM, it provides its routing BICs (including those of its branches) to this organisation.
CSMs compliant with the EPC schemes use the Register of Participants to check which PSPs are reachable in the context of EPC scheme transactions.