SEPA Direct Debit Core Scheme Rulebook

Systems it applies to

• SEPA SDD →

Publisher: European Payments Council →

Versions ClearingPost holds (2)

1. 2025 v1.2effective 30 Sep 2026current

   What changed: EPC016-06, 2025 Version 1.2, date issued 30 September 2026, date effective 30 September 2026. The rulebook states that Version 1.2 reflects the EPC decision taken in September 2026 to delay the planned November 2026 end date of the unstructured address format under all five EPC payment schemes, so the EPC will maintain support for unstructured addresses beyond the previously announced 15 November 2026 deadline. A new end date will be determined in due course based on market and payment industry developments. The change is limited to the address message element; no other changes were made to this rulebook version.

   This version at the publisher ↗
2. 2025 v1.1effective 5 Oct 2025

   What changed: Introduced hybrid address format; revised unstructured address phase-out deadline to 15 November 2026 aligned with SWIFT MX release date. 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.

   Publisher page (not this version) ↗