Rule reference · SEPA Credit Transfer scheme rules · IBAN check digits
SEPA-SCT-IBAN-003: Debtor IBAN is not from a SEPA country
The debtor IBAN starts with a country code that is not part of the SEPA schemes' geographical scope (EPC409-09, the list of SEPA countries and territories with the IBAN codes they use).
| 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 | EPC409-09 Version 8.0, section 5, countries and territories with their IBAN country codes · Standards and sources |
| Rule pack | sepa.sct.pain001.v09 v3, effective 2025-10-05 |
Why it matters
A SEPA credit transfer can only be made from an account in a SEPA country; the bank rejects it.
How to fix it
Check the house bank account used for this payment method; an account outside SEPA needs another payment method.
Example
Synthetic XML fragments.
<Id>
<IBAN>TR420001000000000000000001</IBAN>
</Id><Id>
<IBAN>DE50100000000000000001</IBAN>
</Id>Try it with a synthetic example
These files are synthetic test data from BankLint's test corpus. Download one, or validate it directly.
- Debtor IBAN from a country outside SEPA (TR, valid check digits): BLOCKER (pack v3, EPC409-09). FAIL · Download · Validate it
Explained in
Related rules: IBAN check digits
- SEPA-SCT-IBAN-001: Debtor IBAN check digits are wrong
- SEPA-SCT-IBAN-002: Creditor IBAN check digits are wrong
- SEPA-SCT-IBAN-004: Creditor IBAN is not from a SEPA country
Validate a pain.001 fileFree, no account needed, files are not stored.