Rule reference · SEPA Credit Transfer scheme rules · Remittance information
SEPA-SCT-RMTINF-006: Issuer ISO needs an RF creditor reference
When the creditor reference issuer is ISO, the reference must be an RF Creditor Reference (ISO 11649) - RF, two check digits and up to 21 letters or digits.
| Severity | WARNING Warning: the run needs review |
|---|---|
| Status | Requirement of the guidelines |
| Applies to | pain.001.001.09, SEPA Credit Transfer |
| Elements checked | /Document/CstmrCdtTrfInitn/PmtInf/CdtTrfTxInf/RmtInf/Strd/CdtrRefInf/Ref |
| Source | EPC132-08 2025 Version 1.0, section 2.1.1, item 2.175 · Standards and sources |
| Rule pack | sepa.sct.pain001.v09 v3, effective 2025-10-05 |
Why it matters
The creditor cannot reconcile the payment automatically, and the bank may treat the reference as invalid.
How to fix it
Send an RF reference when Issuer is ISO, or leave out the issuer for a creditor's own reference.
Example
Synthetic XML fragments.
<CdtrRefInf>
<Tp>…</Tp>
<Ref>INV1001</Ref>
</CdtrRefInf>Try it with a synthetic example
These files are synthetic test data from BankLint's test corpus. Download one, or validate it directly.
- Creditor reference issuer ISO with a reference that is not an RF reference: WARNING (pack v3, item 2.175). REVIEW · Download · Validate it
Explained in
Related rules: Remittance information
- 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
- SEPA-SCT-RMTINF-004: Creditor reference needs both type and reference
- SEPA-SCT-RMTINF-005: Structured remittance longer than 140 characters
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