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SEPA Credit Transfer rulebook

SEPA Credit Transfer (SCT) is among the favourite payment methods of citizens and businesses in Europe, and a convenient alternative to cash and cheques.

SEPA Credit Transfer rulebook

Payment service providers providing services can find on this page information to help them implement the scheme.

SCT rulebook currently in effect

The rulebook in effect until 19 November 2017 is version 8.3.

Read more about the SCT rulebook version 8.3


The changes introduced in version 8.3 of the rulebook are of an administrative nature only, related to an updated version of the Scheme Management Internal Rules (SMIRs). The SMIRs describe the internal organisation, structure, rules and processes of the schemes.

The Implementation Guidelines () relevant to the rulebook version 8.3 are based on the 2009 version of ISO 20022.

Read more about the SCT scheme Interbank IGs version 8.0

Read more about the SCT scheme Customer-to-Bank IGs version 8.0


Other useful documents for the scheme implementation:

Clarification paper: SEPA Credit Transfer and SEPA Direct Debit

Quick Response code: Guidelines to enable data capture for the initiation of a SEPA Credit Transfer

Recommendation on customer reporting of SCT and SDD

SEPA requirements for an extended character set (UNICODE subset) - best practices

2017 SCT rulebook

The 2017 rulebook version 1.0 is effective from 19 November 2017 until November 2019.

Read more about the 2017 SCT rulebook


The are based on the 2009 version of ISO 20022. They do not yet include the ISO 20022 XML messages for the inquiries and for the ‘request for recall by the originator’. An updated version will be published in November 2017 at the latest.

Read more about the SCT scheme Customer-to-Bank IGs 2017 version 1.0

Read more about the SCT scheme Interbank IGs 2017 version 1.0

Main changes introduced in the 2017 SCT rulebook

Annex III of the 2017 rulebook version 1.0 lists all changes compared to the version 8.3. The most important are detailed below.

  • The 2017 rulebook includes the obligation for scheme participants to accept at least but not exclusively Customer-to-Bank (C2B) payment message files based on the specifications defined in its C2B scheme . Customers will still have the choice either to continue using their current C2B payment message file set-up or to opt for the C2B payment message file based on the specifications.
  • inquiry procedures are introduced, and will become effective as of 18 November 2018 between the beneficiary bank and the originator bank based on ISO 20022 camt. XML messages. An inquiry occurs when a scheme participant requests information or clarification about the status of a credit transfer. All scheme participants will have to be at least able to accept such inquiries procedures, and to respond to them (via defined ISO 20022 XML messages).
  • A new procedure is introduced for originator banks to handle a ‘request for recall by the originator’ for a reason other than duplicate sending, technical problems resulting in erroneous transactions and a fraudulent credit transfer. This procedure will rely upon ISO 20022 XML messages, and becomes effective as of 18 November 2018. All scheme participants will have to be able to accept the ‘request for recall by the originator’ message and to respond to it via defined ISO 20022 XML messages.
  • The 2017 rulebook contains a number of regulatory changes driven by , and by the guide for the assessment of credit transfer schemes against the oversight standards of the Eurosystem.

    These changes impact the rights and obligations of scheme participants and the SMIRs but do not affect the operational and business rules of the rulebook.