SEPA-SCT-CHARSET-002: National Latin characters outside the SEPA basic set

The creditor name or remittance text uses national Latin letters (such as ü, é or ß) or ASCII punctuation (such as & or @) outside the basic Latin set. The guidelines let customers use the character set in use at national level, while PSPs only have to support the basic set.

Why it matters

Allowed if your bank supports the national character set; otherwise the bank may convert these characters.

How to fix it

No action if your bank accepts the national character set; otherwise enable character conversion in the export.

Example

Synthetic XML fragments.

<Cdtr>
  <Nm>Example Smith &amp; Sons Ltd</Nm>
  <PstlAdr>…</PstlAdr>
</Cdtr>

<Cdtr>
  <Nm>Example Supplier Alpha GmbH</Nm>
  <PstlAdr>…</PstlAdr>
</Cdtr>

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 '&': outside the basic Latin set, advisory INFO only. PASS · Download · Validate it
• Creditor name with 'ü': national Latin letter, advisory INFO (pack v2; v1 reported a WARNING). PASS · Download · Validate it

Explained in

• Remittance information in a SEPA pain.001 (Ustrd, Strd, RF)
• SEPA Credit Transfer rules for pain.001.001.09
• SEPA character set, names and identifiers

Related rules: Character set

• SEPA-SCT-CHARSET-001: Text contains control characters or non-Latin script

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