SEPA Credit Transfer rulebook and implementation guidelines

The SCT rulebook currently in effect up to and including 5 October 2025 is the 2023 SCT rulebook version 1.1. Version 1.1 formally replaced version 1.0 of the 2023 SCT rulebook at its publication on 14 November 2023.

Read more about the 2023 SCT rulebook version 1.1

The Implementation Guidelines of the 2023 SCT rulebook are based on the 2019 message version of the ISO 20022 standard.

Read more about the 2023 SCT Customer-to-PSP IGs version 1.1 
Read more about the 2023 SCT Inter-PSP IGs version 1.1  

Do you want to use the EPC’s Intellectual Property Rights related to the EPC payment schemes’ rulebooks and implementation guidelines for non-euro transactions? Click here  for more information.

• Introduction of the possibility for payment end-users to provide an address of the payer and/or of the payee in a hybrid format alongside the already existing possibilities of submitting an address either in a fully structured format or in an unstructured format (for more information see guidance document EPC153-22).
• Inclusion of Alias and Proxy definitions.
• Further rulebook precisions relating to the initiation of Recalls, the initiation of any related Requests for Status Update and their respective handling by each scheme participant concerned.
• Rewording of some EU legislative acts mentioned throughout the rulebook. No regulatory changes at all have been made to the existing business and operational rulebook rules.

Annex IV of the 2025 SCT rulebook version 1.0 lists all changes since the version 1.1 of the 2023 SCT rulebook.