Rule reference · SEPA Credit Transfer scheme rules · Character set
SEPA-SCT-CHARSET-001: Text outside the SEPA Latin character set
PSPs must support the Latin character set; characters beyond it are only supported under bilateral or multilateral agreements.
| Severity | WARNING Warning: the run needs review |
|---|---|
| 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/Cdtr/Nm /Document/CstmrCdtTrfInitn/PmtInf/CdtTrfTxInf/RmtInf/Ustrd |
| Source | EPC132-08 2025 Version 1.0, section 1.4 Character Set |
| Rule pack | sepa.sct.pain001.v09 v1, effective 2025-10-05 |
Why it matters
Characters outside the basic set may be rejected or converted by the receiving PSP.
How to fix it
Check the character conversion settings of the export, or confirm the extended set is agreed with your PSP.
Try it with a synthetic example
These files are synthetic test data from BankLint's test corpus. Download one, or validate it directly.
- Creditor name with 'ü': advisory WARNING (extended sets need bilateral agreement). REVIEW · Download · Validate it
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