Rule reference · SEPA Credit Transfer scheme rules · Identifiers
SEPA-SCT-ID-002: Transaction reference violates SEPA character rules
References, identifications and identifiers must use the SEPA Latin character set, must not start or end with '/' and must not contain '//'.
| 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/CdtTrfTxInf/PmtId/EndToEndId /Document/CstmrCdtTrfInitn/PmtInf/CdtTrfTxInf/PmtId/InstrId /Document/CstmrCdtTrfInitn/PmtInf/CdtTrfTxInf/RmtInf/Strd/CdtrRefInf/Ref |
| Source | EPC132-08 2025 Version 1.0, section 1.4 Character Set |
| Rule pack | sepa.sct.pain001.v09 v1, effective 2025-10-05 |
How to fix it
Check how end-to-end identifications and creditor references are generated.
Try it with a synthetic example
These files are synthetic test data from BankLint's test corpus. Download one, or validate it directly.
- EndToEndId starting with '/'. FAIL · Download · Validate it
Related rules: Identifiers
- SEPA-SCT-ID-001: Reference or identifier violates SEPA character rules
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