Rule reference · SEPA Credit Transfer scheme rules · Remittance information
SEPA-SCT-RMTINF-001: Either structured or unstructured remittance, not both
SEPA allows either structured or unstructured remittance information in a transaction, not both.
| 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/RmtInf/Ustrd /Document/CstmrCdtTrfInitn/PmtInf/CdtTrfTxInf/RmtInf/Strd |
| Source | EPC132-08 2025 Version 1.0, section 2.1.1, item 2.164 |
| Rule pack | sepa.sct.pain001.v09 v1, effective 2025-10-05 |
How to fix it
Check the remittance information mapping.
Try it with a synthetic example
These files are synthetic test data from BankLint's test corpus. Download one, or validate it directly.
- Both structured and unstructured remittance in one transaction. FAIL · Download · Validate it
Related rules: Remittance information
- SEPA-SCT-RMTINF-002: Only one remittance information occurrence allowed
- SEPA-SCT-RMTINF-003: Creditor reference type must be SCOR
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