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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. The 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, based on European and Dutch SEPA Implementation Guidelines (in Dutch).

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SEPA Credit Transfer

Rulebook

Implementation guidelines

Guidance documents

SEPA Instant Credit Transfer

Rulebook

Implementation guidelines

Guidance documents

SEPA Direct Debit Core

Rulebook

Implementation guidelines

Guidance documents

SEPA Direct Debit Business-to-Business

Rulebook

Implementation guidelines

Guidance documents

SEPA Request-to-Pay

Rulebook

Implementation guidelines

Guidance documents

Verification of Payee

Rulebook

One-Leg-Out Instant Credit Transfer

Rulebook

Implementation guidelines

Guidance documents

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:

Version 2.0 is more in line with the CGI Guidelines and recommendations of the EPC regarding PSP-to-Customer Reporting .

Migration to ISO 20022
XML messaging standard

Providing addresses