Rule reference · SEPA Credit Transfer scheme rules · Remittance information

SEPA-SCT-RMTINF-004: Creditor reference needs both type and reference

When creditor reference information is used, both the reference type and the reference must be present.

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/Strd/CdtrRefInf/Tp · Ref
Source	EPC132-08 2025 Version 1.0, section 2.1.1, items 2.169, 2.170 and 2.175 · Standards and sources
Rule pack	sepa.sct.pain001.v09 v2, effective 2025-10-05

Why it matters

A structured creditor reference without its type (or without the reference itself) does not meet the SEPA usage rules.

How to fix it

Check the structured reference mapping; populate Tp/CdOrPrtry/Cd (SCOR) and Ref together.

Example

Synthetic XML fragments.

Example that fails

<Strd>
  <CdtrRefInf>
    <Ref>RF18539007547034</Ref>
  </CdtrRefInf>
</Strd>

Corrected

<Strd>
  <CdtrRefInf>
    <Tp>
      <CdOrPrtry>
        <Cd>SCOR</Cd>
      </CdOrPrtry>
    </Tp>
    <Ref>RF18539007547034</Ref>
  </CdtrRefInf>
</Strd>

Try it with a synthetic example

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

Structured creditor reference without its Type. FAIL · Download · Validate it

Explained in

SEPA-SCT-RMTINF-001: Either structured or unstructured remittance, not both
SEPA-SCT-RMTINF-002: Only one remittance information occurrence allowed
SEPA-SCT-RMTINF-003: Creditor reference type must be SCOR

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