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1 min readWarningEBA reporting framework 4.2Updated 11 November 2026

Total must be reported (S 03.00, EBA rule e89152_e)

A warning in the sEPA instant payments return (SEPA IPR), on template S 03.00, s 03.00 - number of payment accounts and total charges (national currency).

Check your file against this ruleWhat to do if it fails

The rule in plain words

Total must be reported.

EBA checks it for three columns, all for payment accounts: number of, value of charges for and maintainance of. That makes three checks. A failure names the one that failed.

How the Line4 Check report words itShow

The first of its checks, word for word as the report shows it when it fails. The others read the same, with their own column, row or sheet.

Value of charges for payment accounts: Total is reported

What to do if your filing fails it

  1. 01Open the template below and find the cells the rule reads.
  2. 02Report a value in this cell. A 0 counts as reported; a cell left out of the file does not.
  3. 03It runs only when your filing indicators mark S 03.00 as reported.
  4. 04This is a warning. It does not stop the filing on its own, but your authority may ask you to explain it.

The cells it reads

S 03.00 - number of payment accounts and total charges (national currency) (S 03.00)

Row

  • 0010Total

Columns

  • 0010Number of payment accounts
  • 0020Value of charges for payment accounts
  • 0030of which: maintainance of payment accounts
Show the rule as writtenShow

EBA's formula, as written out for the first of its checks. Cells are written as {template, row, column, sheet}.

not(empty({S_03.00,r0010,c0020,}))

The next two:

not(empty({S_03.00,r0010,c0030,}))not(empty({S_03.00,r0010,c0010,}))

Every SEPA IPR rule, by template

Checks like this one, run at the point of submission, are the first step to real-time supervision. Line4 builds SupTech software for financial regulators that runs checks like these as each return arrives.