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SEPA File Formats

The SEPA data formats, as specified by the European Payments Council (EPC), for the exchange of SEPA payments such as direct debits and credit transfers, represent such a common data set. The SEPA data formats are detailed in the SEPA implementation guidelines released by the EPC with regard to the SEPA Credit Transfer (SCT) and SEPA Direct Debit (SDD) Rulebooks.

The most recent SEPA implementation Guidelines are available as follows:

Creditors/Originators are advised to contact their bank for File Format specifications that will be accepted by their bank for submission of SEPA Credit Transfers and SEPA Direct Debits.