Rule reference · SEPA Credit Transfer scheme rules · Debtor account
SEPA-SCT-DBTRACCT-001: Debtor account must be an IBAN
Only IBAN is allowed to identify the debtor account.
| 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/DbtrAcct/Id/IBAN |
| Source | EPC132-08 2025 Version 1.0, section 2.1.1, item 2.46 |
| Rule pack | sepa.sct.pain001.v09 v1, effective 2025-10-05 |
How to fix it
Check the house bank account mapping; provide the IBAN.
Try it with a synthetic example
These files are synthetic test data from BankLint's test corpus. Download one, or validate it directly.
- Debtor account identified by Othr instead of IBAN. FAIL · Download · Validate it
Validate a pain.001 fileFree, no account needed, files are not stored.