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1 min readWarningEBA reporting framework 4.2Updated 11 November 2026

Breakdown by charges levied: the absolute value of number of credit transfers cannot be less than the absolute value of instant credit transfers (S 01.01, EBA rule v90077_h)

A warning in the sEPA instant payments return (SEPA IPR), on template S 01.01, s 01.01 - number and value of credit transfers and instant credit transfers (national currency).

Check your file against this ruleWhat to do if it fails

The rule in plain words

For breakdown by charges levied: the absolute value of number of credit transfers cannot be less than the absolute value of instant credit transfers.

EBA checks it for three rows: total, free of charge and charged. 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.

the absolute value of Charged, Number of credit transfers >= the absolute value of Charged, of which: instant credit transfers

What to do if your filing fails it

  1. 01Open the template below and find the cells the rule reads.
  2. 02Compare the values in your file. If the first is smaller than it may be, one of them is wrong: check both before you change either.
  3. 03EBA allows a small rounding difference, worked out from the decimals each value is reported with.
  4. 04It runs only when your filing indicators mark S 01.01 as reported.
  5. 05This 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 01.01 - number and value of credit transfers and instant credit transfers (national currency) (S 01.01)

Rows

  • 0010Total
  • 0070Free of charge
  • 0080Charged

Columns

  • 0050Number of credit transfers
  • 0060of which: instant credit transfers
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}.

abs({S_01.01,r0080,c0050,}) >= abs({S_01.01,r0080,c0060,})

The next two:

abs({S_01.01,r0070,c0050,}) >= abs({S_01.01,r0070,c0060,})abs({S_01.01,r0010,c0050,}) >= abs({S_01.01,r0010,c0060,})

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.