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

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

The requested execution date is given as a date and time (DtTm) instead of a date (Dt). Date Time 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/ReqdExctnDt/DtTm
Source	EPC132-08 2025 Version 1.0, section 1.2; 2.1.1, item 2.19 (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 requested execution date as ReqdExctnDt/Dt, or confirm with your bank that it supports a date and time.

Example

Synthetic XML fragments.

Example that fails

<ReqdExctnDt>
  <DtTm>2026-10-20T10:00:00</DtTm>
</ReqdExctnDt>

Corrected

<ReqdExctnDt>
  <Dt>2026-10-20</Dt>
</ReqdExctnDt>

Try it with a synthetic example

These files are synthetic test data from BankLint's test corpus. Download one, or validate it directly.

Requested execution date given as date-time: not a SEPA core element (advisory WARNING). REVIEW · Download · Validate it

Explained in

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

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