Rule reference · SEPA Credit Transfer scheme rules · Elements outside the SEPA core

SEPA-SCT-CORE-001: Equivalent amount is not a SEPA core element

The amount is given as an equivalent amount instead of an instructed amount in euro. Equivalent Amount is not part of the SEPA core subset; it is only available in additional optional services.

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/Amt/EqvtAmt
Source	EPC132-08 2025 Version 1.0, section 1.2; 2.1.1, item 2.96 (not part of the SEPA core subset) · Standards and sources
Rule pack	sepa.sct.pain001.v09 v2, effective 2025-10-05

Why it matters

Not a SEPA core element; your bank may reject it if it does not offer that optional service.

How to fix it

Send the instructed amount in EUR (Amt/InstdAmt), or confirm with your bank that it supports equivalent amounts.

Example

Synthetic XML fragments.

Example that fails

<Amt>
  <EqvtAmt>
    <Amt Ccy="USD">1250.00</Amt>
    <CcyOfTrf>EUR</CcyOfTrf>
  </EqvtAmt>
</Amt>

Corrected

<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.

Equivalent amount instead of an instructed EUR amount: not a SEPA core element (advisory WARNING). REVIEW · Download · Validate it

Explained in

SEPA-SCT-CORE-002: Execution date with time is not a SEPA core element

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