The first annual reporting deadline under the EU Instant Payments Regulation arrived on April 9, 2026. All payment service providers offering SEPA credit transfers were required to submit standardized reports to their national competent authorities. The European Banking Authority defined the reporting templates and XBRL-csv validation rules in implementing technical standards finalized in 2025.
Reports require PSPs to disclose the number and value of credit transfers processed, distinguishing between classic SEPA and instant SEPA transactions. PSPs must also report fee comparisons between instant and non-instant credit transfers and the share of transactions rejected due to EU sanctions screening.
National competent authorities will forward aggregated data to the EBA and European Commission by October 9, 2026. The EBA had originally set the first deadline for April 2025 but delayed it by twelve months to allow time for industry alignment on reporting formats and templates.