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SEPA Instant Credit Transfer rulebook

The SEPA Instant Credit Transfer (SCT Inst) scheme will make European payments faster and ever more convenient.

SEPA Instant Credit Transfer rulebook

This new scheme – which officially launches in November 2017 – will enable euro credit transfers with the funds made available on the account in less than ten seconds at any time and in an area that will progressively span over 34 European countries. All payment service providers () are invited to adhere to the scheme as soon as possible. The technical information for implementing the scheme is available on this page.

2017 SCT Inst rulebook version 1.0

The 2017 Inst rulebook version 1.0 enters into force on 21 November 2017 and remains effective until November 2019.

Read more about the 2017 SCT Inst rulebook version 1.0

The Implementation Guidelines () are based on the 2009 version of ISO 20022.

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

Read more about the SCT Inst scheme Interbank IGs 2017 version 1.0