Rule reference · SEPA Credit Transfer scheme rules · Creditor agent
SEPA-SCT-CDTRAGT-001: Creditor agent may only carry a BIC
Only BICFI is allowed for the creditor agent; if no BIC is known, the creditor agent structure must not be used.
| 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/CdtTrfTxInf/CdtrAgt/FinInstnId/BICFI |
| Source | EPC132-08 2025 Version 1.0, section 2.1.1, item 2.114 |
| Rule pack | sepa.sct.pain001.v09 v1, effective 2025-10-05 |
How to fix it
Either provide the creditor agent BIC or omit CdtrAgt entirely.
Try it with a synthetic example
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- Creditor agent present without BICFI. FAIL · Download · Validate it
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