Rule reference · SEPA Credit Transfer scheme rules · Postal addresses

SEPA-SCT-ADDR-001: At most two Address Line occurrences

SEPA allows at most two Address Line occurrences in the debtor and creditor postal addresses (ISO 20022 allows seven). The first failing address in each payment information block is reported.

Severity	BLOCKER Blocker: the run fails
Status	Requirement of the guidelines
Applies to	pain.001.001.09, SEPA Credit Transfer
Elements checked	/Document/CstmrCdtTrfInitn/PmtInf/Dbtr/PstlAdr/AdrLine /Document/CstmrCdtTrfInitn/PmtInf/CdtTrfTxInf/Cdtr/PstlAdr/AdrLine
Source	EPC132-08 2025 Version 1.0, section 2.1.1, items 2.39 and 2.134 · Standards and sources
Rule pack	sepa.sct.pain001.v09 v2, effective 2025-10-05

Why it matters

Address lines beyond the second are outside the SEPA rules and may lead to rejection or truncation.

How to fix it

Shorten the address to two lines, or switch the address export to structured fields (street, building number, post code, town, country).

Example

Synthetic XML fragments.

Example that fails

<PstlAdr>
  <Ctry>DE</Ctry>
  <AdrLine>Beispielweg 1</AdrLine>
  <AdrLine>Hinterhaus</AdrLine>
  <AdrLine>12345 Alphastadt</AdrLine>
</PstlAdr>

Corrected

<PstlAdr>
  <StrtNm>Beispielweg</StrtNm>
  <BldgNb>1</BldgNb>
  <PstCd>12345</PstCd>
  <TwnNm>Alphastadt</TwnNm>
  <Ctry>DE</Ctry>
</PstlAdr>

Try it with a synthetic example

These files are synthetic test data from BankLint's test corpus. Download one, or validate it directly.

Creditor address sent as Country plus three Address Lines; SEPA allows two. FAIL · Download · Validate it

Explained in

SEPA-SCT-ADDR-002: Structured or hybrid address needs Town Name and Country

Validate a pain.001 fileFree, no account needed, files are not stored.