SEPA implementation guidelines
SEPA uses file formats based on the ISO 20022 XML standard.
All financial institutions and companies in SEPA countries must use the same standards for submitting European credit transfers and European direct debits. EPC and Dutch banks have developed various documents for this purpose. Any bank-specific information is usually described in a bank-specific document. Below is an overview of the relevant and available information for each scheme.
Go directly to
- SEPA Credit Transfer
- SEPA Instant Credit Transfer
- SEPA Direct Debit Core
- SEPA Direct Debit Business-to-Business
- SEPA Request-to-Pay
- Verification of Payee
- One-Leg Out Instant Credit Transfer
- Reporting van SEPA-transacties
SEPA Credit Transfer
Rulebook
Implementation Guidelines
- SCT Scheme Inter-PSP IG 2025 v1.0(opens in new window)
- SCT Scheme Inter-PSP IG 2021 v1.0(opens in new window)
– Errata to the SCT Scheme Inter-PSP IG 2021 v1.0(opens in new window) - SCT Scheme Customer-to-PSP IG 2025 v1.0(opens in new window)
- SCT Scheme Customer-to-PSP IG 2021 v1.0(opens in new window)
– Errata to the SCT Scheme Customer-to-PSP IG 2021 v1.0(opens in new window) - PLUS Implementation Guidelines for the Netherlands:
– SCT Customer to Bank 2023 v1.0
Guidance documents
- Guidance on reason codes for SCT R-transactions v6.0(opens in new window)
- Guidance on the usage of Extended Remittance Information v1.0(opens in new window)
- Clarification paper on SCT and SCT Inst Scheme Rulebooks v4.0(opens in new window)
- Recommendation on ISO 20022 consumer reporting of SCTs, OCT Inst and SDDs v5.0(opens in new window)
- Guidance document Provision of Addresses under the EPC Payment Schemes V2.1(opens in new window)
SEPA Instant Credit Transfer
Rulebook
Implementation Guidelines
- SCT Inst Scheme Inter-PSP IG 2025 v1.0(opens in new window)
- SCT Inst Scheme Inter-PSP IG 2021 v1.0(opens in new window)
- SCT Inst Scheme Customer-to-PSP IG 2025 v1.0(opens in new window)
- SCT Inst Scheme Customer-to-PSP IG 2021 v1.0(opens in new window)
– Errata to the SCT Inst Scheme Customer-to-PSP IG 2021 v1.0 (opens in new window)
Guidance documents
- Guidance on reason codes for SCT Inst R-transactions v7.0(opens in new window)
- Clarification paper on SCT and SCT Inst Scheme Rulebooks v4.0(opens in new window)
- Recommendation on ISO 20022 customer reporting of SCTs, OCT Inst and SDDs v5.0(opens in new window)
- Guidance document Provision of Addresses under the EPC
Payment Schemes V2.1(opens in new window)
SEPA Direct Debit Core
Rulebook
Implementation Guidelines
- SDD Core Scheme Inter-PSP IG 2025 v1.0(opens in new window)
- SDD Core Scheme Inter-PSP IG 2021 v1.0(opens in new window)
- SDD Core Scheme Customer-to-PSP IG 2025 v1.0(opens in new window)
- SDD Core Scheme Customer-to-PSP IG 2021 v1.0;(opens in new window)
- SDD Core Scheme E-mandate Service IG 2025 v1.0(opens in new window)
- SDD Core Scheme E-mandate Service IG 2021 v1.0(opens in new window)
- PLUS Implementation Guidelines for the Netherlands:
– SDD Customer to Bank 2023 v1.0
Guidance documents
- Guidance on reason codes for SDD R-transaction v8.0(opens in new window)
- Reason codes for European direct debits; information for creditors v4.0 (in Dutch)
- Clarification paper on SDD Core and SDD B2B Rulebooks v5.0(opens in new window)
- Recommendation on ISO 20022 customer reporting of SCTs, OCT Inst and SDDs v5.0(opens in new window)
- Creditor Identifier Overview v12.0(opens in new window)
- SDD Core Mandate Translations(opens in new window)
- Guidelines for the appearence of mandates in the SDD schemes v11.0(opens in new window)
- Guidance document Provision of Addresses under the EPC
Payment Schemes V2.1(opens in new window)
SEPA Direct Debit Business-to-Business
Rulebook
Implementation Guidelines
- SDD B2B Scheme Inter-PSP IG 2025 v1.0(opens in new window)
- SDD B2B Scheme Inter-PSP IG 2021 v1.0(opens in new window)
- SDD B2B Scheme Customer-to-PSP IG 2025 v1.0(opens in new window)
- SDD B2B Scheme Customer-to-PSP IG 2021 v1.0(opens in new window)
- SDD B2B E-Mandate Service IG 2025 v1.0(opens in new window)
- SDD B2B E-Mandate Service IG 2023 v1.1(opens in new window)
- SDD B2B E-Mandate Service IG 2021 v1.0(opens in new window)
- PLUS Implementation Guidelines for the Netherlands:
– SDD Customer to Bank 2023 v1.0
Guidance documents
- Guidance on reason codes for SDD R-transactions v8.0(opens in new window)
- Reason codes for European direct debits; information for creditors v4.0 (in Dutch)
- Clarification paper on SDD Core and SDD B2B Rulebooks v5.0(opens in new window)
- Recommendation on ISO 20022 customer reporting of SCTs, OCT Inst and SDDs v4.1(opens in new window)
- Creditor Identifier Overview v12.0(opens in new window)
- SDD B2B Mandate Translations(opens in new window)
- Guidelines for the appearance of mandates in the SDD schemes v11.0(opens in new window)
- Guidance document Provision of Addresses under the EPC
Payment Schemes V2.1(opens in new window)
SEPA Request-to-Pay
Rulebook
Implementation Guidelines
Guidance documents
Verification of Payee
Rulebook
One-Leg Out Instant Credit Transfer
Rulebook
Implementation Guidelines
- OCT Inst Customer-to-PSP IG 2025 v1.0(opens in new window)
- OCT Inst Scheme Inter-PSP INCOMING IG 2025 v1.0(opens in new window)
- OCT Inst Scheme Inter-PSP OUTGOING IG 2025 v1.0(opens in new window)
Guidance documents
- Adherence pack 2025 v1.0(opens in new window)
- Guidance on reason codes 2023 v1.0(opens in new window)
Reporting of SEPA transactions
The EPC does not have a Rulebook for account statement information. However, there are Dutch XML implementation guidelines for CAMT.053. These are:
- XML message for Bank-to-Customer Statement v1.1 (CAMT.053)
- XML Message for Bank-to-Customer Statement v2.0
The v2.0 is more in line with the CGI Guidelines and the recommendations of the EPC regarding Bank to Customer Reporting .
Migratie naar de ISO 20022-based XML Messaging Standard
The above technical documents are based on the:
SEPA Implementatierichtlijnen
Provision of Addresses
Provision of Addresses under the EPC payment Schemes 2025 v2.0(opens in new window)