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1 min readWarningEBA reporting framework 4.2Updated 10 November 2026

Credit transfers initiated electronically must equal the sum of its two parts (EBA rule v09195_h)

A warning in the payment fraud return (PSD2 fraud reporting), on template Y 01.01, credit transfers transactions.

Check your file against this ruleWhat to do if it fails

The rule in plain words

Credit transfers initiated electronically must equal credit transfers initiated non-remotely plus credit transfers initiated remotely.

EBA checks it for two columns: payment transactions and fraudulent payment transactions. And on six sheets: domestic, cross-border within the EEA and cross-border outside the EEA, each split into amount of payments and number of transactions. That makes twelve 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.

Payment transactions: Of which Initiated electronically, Cross-border outside the EEA number of transactions = Of which initiated via non-remote payment channel, Cross-border outside the EEA number of transactions + Of which initiated via remote payment channel, Cross-border outside the EEA number of transactions

What to do if your filing fails it

  1. 01Open the template below and find the cells the rule reads.
  2. 02Add up the parts in your file and compare the result with the total.
  3. 03If they differ, a part is missing, a value sits in the wrong cell, or the total is out of date.
  4. 04EBA allows a small rounding difference, worked out from the decimals each value is reported with.
  5. 05It runs only when your filing indicators mark Y 01.01 as reported.
  6. 06This 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

Credit transfers transactions (Y 01.01)

Rows

  • 0040Of which Initiated electronically
  • 0050Of which initiated via remote payment channel
  • 0230Of which initiated via non-remote payment channel

Columns

  • 0010Payment transactions
  • 0020Fraudulent payment transactions

Sheets

  • 0010Domestic amount of payments
  • 0020Domestic number of transactions
  • 0030Cross-border within the EEA amount of payments
  • 0040Cross-border within the EEA number of transactions
  • 0050Cross-border outside the EEA amount of payments
  • 0060Cross-border outside the EEA number of transactions

A worked example

The first of its checks, with simple numbers.

Illustrative values
Credit transfers initiated non-remotely1,200
Credit transfers initiated remotely800
Together2,000
What the rule then expects

Credit transfers initiated electronically must then be 2,000.

2,000Passes
2,100Fails

A file that reports 2,000 passes. One that reports 2,100 fails, by 100.

The numbers are illustrative, reported to the unit, so the rounding tolerance does not change the result.

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}.

{Y_01.01,r0040,c0010,s0060} = {Y_01.01,r0230,c0010,s0060} + {Y_01.01,r0050,c0010,s0060}

The next five:

{Y_01.01,r0040,c0020,s0020} = {Y_01.01,r0230,c0020,s0020} + {Y_01.01,r0050,c0020,s0020}{Y_01.01,r0040,c0020,s0060} = {Y_01.01,r0230,c0020,s0060} + {Y_01.01,r0050,c0020,s0060}{Y_01.01,r0040,c0010,s0050} = {Y_01.01,r0230,c0010,s0050} + {Y_01.01,r0050,c0010,s0050}{Y_01.01,r0040,c0020,s0010} = {Y_01.01,r0230,c0020,s0010} + {Y_01.01,r0050,c0020,s0010}{Y_01.01,r0040,c0010,s0030} = {Y_01.01,r0230,c0010,s0030} + {Y_01.01,r0050,c0010,s0030}

And 6 more, the same formula for the other cells it covers.

Every PSD2 fraud reporting rule, by template

Checks like this one, run at the point of submission, are the first step to real-time supervision.