Rule reference · SEPA Credit Transfer scheme rules · Amounts
SEPA-SCT-AMT-003: Amount written with more than two decimal places
The instructed amount is written with more than two decimal places, all of them zeros after the second (for example 1250.000). The value has at most two decimals, and the ISO 20022 schema accepts it.
| Severity | INFO Info: recommendation only |
|---|---|
| Status | Recommendation, or depends on your agreement with the bank |
| Applies to | pain.001.001.09, SEPA Credit Transfer |
| Elements checked | /Document/CstmrCdtTrfInitn/PmtInf/CdtTrfTxInf/Amt/InstdAmt |
| Source | EPC132-08 2025 Version 1.0, section 2.1.1, item 2.95 (SEPA format rule) · Standards and sources |
| Rule pack | sepa.sct.pain001.v09 v3, effective 2025-10-05 |
Why it matters
Some banks check the written text rather than the value and reject an amount with a third decimal place.
How to fix it
Write amounts with at most two decimal places in the export to be safe.
Example
Synthetic XML fragments.
<Amt>
<InstdAmt Ccy="EUR">1250.000</InstdAmt>
</Amt><Amt>
<InstdAmt Ccy="EUR">1250.00</InstdAmt>
</Amt>Try it with a synthetic example
These files are synthetic test data from BankLint's test corpus. Download one, or validate it directly.
- Amount 1250.000 and control sums 6460.440: two decimals by value, PASS; the written third decimal is INFO (pack v3; v2 reported BLOCKERs). PASS · Download · Validate it
Explained in
Related rules: Amounts
- SEPA-SCT-AMT-001: Amount outside the SEPA range
- SEPA-SCT-AMT-002: Amount has more than two decimals
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