SEPA-SCT-ADDR-003: Debtor country required for a non-EEA SEPA payment

The debtor agent or a creditor agent in this payment information block is in a non-EEA SEPA country or territory (such as Switzerland, the United Kingdom or Serbia; identified by the BIC or, without a BIC, by the IBAN), so the debtor's postal address must give its Country.

Why it matters

Payments to or from non-EEA SEPA countries must carry the payer's address; without a country they do not meet the SEPA usage rules and may be rejected.

How to fix it

Send the debtor (company code) address with Country, preferably fully structured with Town Name and Country.

Example

Synthetic XML fragments.

<PmtInf>
  …
  <ReqdExctnDt>…</ReqdExctnDt>
  <Dbtr>
    <Nm>Synthetic Corp Example AG</Nm>
    <PstlAdr>
      <AdrLine>Beispielweg 1</AdrLine>
      <AdrLine>12345 Musterstadt</AdrLine>
    </PstlAdr>
  </Dbtr>
  <DbtrAcct>…</DbtrAcct>
  <DbtrAgt>…</DbtrAgt>
  …
</PmtInf>

<PmtInf>
  …
  <ReqdExctnDt>…</ReqdExctnDt>
  <Dbtr>
    <Nm>Synthetic Corp Example AG</Nm>
    <PstlAdr>
      <StrtNm>Beispielweg</StrtNm>
      <BldgNb>1</BldgNb>
      <PstCd>12345</PstCd>
      <TwnNm>Musterstadt</TwnNm>
      <Ctry>DE</Ctry>
    </PstlAdr>
  …
</PmtInf>

Try it with a synthetic example

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

• Creditor agent in Switzerland (non-EEA SEPA) and a debtor address without Country: BLOCKER (pack v3, item 2.23). FAIL · Download · Validate it

Explained in

• Structured, hybrid and unstructured addresses in SEPA pain.001
• pain.002 status and reason codes for pain.001 files

Related rules: Postal addresses

• SEPA-SCT-ADDR-001: At most two Address Line occurrences
• SEPA-SCT-ADDR-002: Structured or hybrid address needs Town Name and Country

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