Rule reference · SEPA Credit Transfer scheme rules · Identifiers

SEPA-SCT-ID-006: Debtor-side party with more than one Other identification

The initiating party, the debtor or the ultimate debtor (payment information level) is identified with more than one 'Other' occurrence. SEPA allows at most one in an organisation or a private identification; ISO 20022 allows several.

Severity	BLOCKER Blocker: the run fails
Status	Requirement of the guidelines
Applies to	pain.001.001.09, SEPA Credit Transfer
Elements checked	/Document/CstmrCdtTrfInitn//InitgPty/Id/OrgId/Othr /Document/CstmrCdtTrfInitn//InitgPty/Id/PrvtId/Othr /Document/CstmrCdtTrfInitn//Dbtr/Id/OrgId/Othr /Document/CstmrCdtTrfInitn//Dbtr/Id/PrvtId/Othr /Document/CstmrCdtTrfInitn//UltmtDbtr/Id/OrgId/Othr /Document/CstmrCdtTrfInitn//UltmtDbtr/Id/PrvtId/Othr
Source	EPC132-08 2025 Version 1.0, section 2.1.1, items 1.10, 1.11, 2.41, 2.42, 2.71 and 2.72 · Standards and sources
Rule pack	sepa.sct.pain001.v09 v5, effective 2025-10-05

Why it matters

Additional identifications are outside the SEPA rules and may lead to rejection.

How to fix it

Send one 'Other' identification (the one your bank or the payee needs), or use AnyBIC or LEI for an organisation.

Example

Synthetic XML fragments.

Example that fails

<OrgId>
  <LEI>TESTLEI0000000000097</LEI>
  <Othr>…</Othr>
  <Othr>
    <Id>SYNTHETIC-REG-2</Id>
  </Othr>
</OrgId>

Corrected

<OrgId>
  <LEI>TESTLEI0000000000097</LEI>
  <Othr>…</Othr>
</OrgId>

Try it with a synthetic example

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

Debtor organisation identification with an LEI and two 'Other' identifications: an LEI and one 'Other' are allowed, a second 'Other' is not (item 2.41). FAIL · Download · Validate it

Explained in

SEPA Credit Transfer rules for pain.001.001.09

SEPA-SCT-ID-001: Message or payment information ID violates SEPA character rules
SEPA-SCT-ID-002: Transaction reference violates SEPA character rules
SEPA-SCT-ID-003: Payment information identification used twice
SEPA-SCT-ID-004: Message or payment information ID is blank
SEPA-SCT-ID-005: Transaction reference is blank
SEPA-SCT-ID-007: Transaction party with more than one Other identification

Questions

What does SEPA-SCT-ID-006 check?

How do I fix “Debtor-side party with more than one Other identification”?

Send one 'Other' identification (the one your bank or the payee needs), or use AnyBIC or LEI for an organisation.

Is this a SEPA requirement?

Yes. It comes from the EPC SEPA Credit Transfer customer-to-PSP implementation guidelines (EPC132-08 2025 Version 1.0, section 2.1.1, items 1.10, 1.11, 2.41, 2.42, 2.71 and 2.72).

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