Rulebook · European Payments Council · Authoritative (T1)
SEPA Credit Transfer Scheme Rulebook
Current version 2025 v1.1 · Effective Oct 5, 2025 · entry recorded 26 Mar 2026
Open the current version at the publisher ↗
Systems it applies to
Publisher: European Payments Council →
Versions ClearingPost holds (3)
- 2025 v1.1effective 5 Oct 2025current
What changed: Revised unstructured address phase-out deadline from 22 November 2026 to 15 November 2026; introduced hybrid address format option alongside fully structured and unstructured formats. On 9 September 2026 the EPC Payment Scheme Management Board decided to maintain support for unstructured addresses beyond 15 November 2026; the PSMB will reconvene in October 2026 to set a new end date, and revised rulebooks are expected to be published by October 2026 at the latest.
This version at the publisher ↗ - 2025 v1.0effective 5 Oct 2025
What changed: Updated structured address requirements, alignment with SWIFT CBPR+ standards
This version at the publisher ↗ - 2023 v1.3effective 19 Nov 2023
What changed: Added IBAN-only rule for euro payments
This version at the publisher ↗