SEPA SCT
ACHSEPA Credit Transfer scheme - a rulebook governed by the European Payments Council (EPC), not a single system. Processed through multiple Clearing and Settlement Mechanisms (CSMs): STEP2-T (pan-European, EBA Clearing), CORE(FR) (France, STET), RPS (Germany, Bundesbank), and various national CSMs. 36 SEPA countries. ISO 20022 native.
ClearingPost does not assess whether SEPA SCT is running normally.
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All 1 upcoming →Dated items ClearingPost holds, each with its source and whether the date is confirmed
No supported dated items in this window for SEPA SCT.
Deferred · no revised date
- no revised date · previously 14 Nov 2026ISO 20022 milestone for November 2026: Unstructured addresses to be removed · recorded 31 Jul 2026source ↗
Changed
All recorded changes →Material, sourced changes ClearingPost recorded; corrections to its own record are labelled as such
- 3,540 (May 2026, EPC Register) changed to 3,508recorded 9 Oct 2026 · SCT Register of Participants, Version 2026-09-11source ↗
EPC125-05, 2025 Version 1.2, date issued 30 September 2026, date effective 30 September 2026. The rulebook states that throughout the document the determined date of 15 November 2026 as of which the unstructured address format is no longer permitted has been taken out, without a new end date yet set, reflecting the decision taken at the September 2026 PSMB meeting. The EPC will maintain support for unstructured addresses beyond the previously announced 15 November 2026 deadline and will determine a new end date 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.
took effect 30 Sep 2026 · European Payments Councilsource ↗Version 1.1 (EPC218-23), issued on 16 March 2026 and effective from 20 September 2026. It contains urgent changes and clarifications that the VOP Working Group identified after the scheme's launch, to solve issues arising from the deployment of the VOP service or to clarify parts of the rulebook, the API specifications and the API Security Framework.
took effect 20 Sep 2026 · European Payments Councilsource ↗- Data updateSEPA SCT average daily transactions increased to ~136M (H2 2025, euro area) · SEPA SCT average daily value decreased to ~€831B (H2 2025, euro area)recorded 29 Jul 2026 · Payments statistics: second half of 2025
First version of the VOP scheme rulebook, in force from 5 October 2025. It focused on the requirements of the EU Instant Payments Regulation and limited verification of a payee to SEPA Credit Transfer (SCT) and SEPA Instant Credit Transfer (SCT Inst) transactions. Superseded by version 1.1 from 20 September 2026.
took effect 5 Oct 2025 · European Payments Councilsource ↗
Rules & documents
The rulebooks, operating rules and standards documents ClearingPost holds for SEPA SCT, each with its current version, or the latest published one when none is in force yet
- SEPA Credit Transfer Scheme RulebookEuropean Payments Council · 2025 v1.2 · Effective Sep 30, 2026 · Authoritative (T1)
- Verification Of Payee (VOP) Scheme RulebookEuropean Payments Council · 1.1 · Effective Sep 20, 2026 · Authoritative (T1)
Sources ClearingPost reads ECB · Authoritative (T1) · 9 of 14 fields carry a source and a recorded date · latest sourced entry recorded 9 Oct 2026 · evidence details ↓
Record · SEPA SCT
EPC published Verification of Payee scheme rulebook v1.1, API specifications v4.1, and API Security Framework v2.1, all effective 20 September 2026, supporting PSP compliance with IPR-mandated payee verification for SEPA Credit Transfers and SEPA Instant Credit Transfers. Swift deferred all payments changes in Standards Release 2026 on 27 August 2026 and will consult on structured-address timing with an update by December; the EPC issued version 1.2 of the 2025 SEPA Credit Transfer Scheme Rulebook on 30 September 2026, effective the same day, which takes out the 15 November 2026 end date for the unstructured address format without setting a new one.
EPC125-05, 2025 Version 1.2, date issued 30 September 2026, date effective 30 September 2026. The rulebook states that throughout the document the determined date of 15 November 2026 as of which the unstructured address format is no longer permitted has been taken out, without a new end date yet set, reflecting the decision taken at the September 2026 PSMB meeting. The EPC will maintain support for unstructured addresses beyond the previously announced 15 November 2026 deadline and will determine a new end date 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.
Version 1.1 (EPC218-23), issued on 16 March 2026 and effective from 20 September 2026. It contains urgent changes and clarifications that the VOP Working Group identified after the scheme's launch, to solve issues arising from the deployment of the VOP service or to clarify parts of the rulebook, the API specifications and the API Security Framework.
Operations · SEPA SCT
Operational monitoring: not configured. ClearingPost does not monitor operational sources for this system and does not assess its current service condition.
Operations lists the systems ClearingPost monitors and the operational events it has recorded.
Intelligence for SEPA SCT (7)
Coverage whose headline or summary names SEPA SCT, or names its operator or country together with its system type. Each item quotes that evidence and says whether the source is the SEPA SCT operator or external.
Wider coverage that mentions SEPA SCT (12)
These articles mention SEPA SCT in their text but not in their headline or summary, so they are listed as context rather than as SEPA SCT intelligence.