STEP2's SEPA credit transfer service averaged 29.0 million daily transactions in December 2025, valued at EUR 105 billion. This was the platform's highest SCT month by both volume and value. January 2025 had opened at 26.1 million daily transactions worth EUR 83 billion. SCT volume grew 11% across the twelve months. April was the second-busiest month at 28.4 million daily transactions averaging EUR 93 billion.
The SDD Core clearing service began 2025 at 41.6 million daily transactions. By December, daily averages had climbed to 49.6 million. The intra-year increase was approximately 19%. December SDD Core daily value reached EUR 9 billion, up from EUR 8 billion in January. The year-end SDD Core peak reflects the typical concentration of recurring direct debit collections before calendar year-end.
January 2026 returned to seasonal norms with SCT daily averages at 25.1 million transactions worth EUR 84 billion. SDD Core settled at 44.7 million daily transactions valued at EUR 8.5 billion. SDD Core volume exceeded its January 2025 equivalent by approximately 7.5%. Across all services, EBA Clearing processed 24 billion transactions in full year 2025. The platform currently connects 237 direct participants and over 4,800 reachable PSPs.