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In forcePayment service providers: SEPA reporting (EU, EBA)Last checked 11 November 2026

Charges for credit transfers and rejected payments, SEPA / Instant Payments (Art. 15(3) SEPA Regulation)

A regulatory return listed by the Federal Financial Supervisory Authority (Bundesanstalt für Finanzdienstleistungsaufsicht) (BaFin), Germany.

Reports under Article 15(3) of the SEPA Regulation, added by the Instant Payments Regulation (EU) 2024/886, on the level of charges for credit transfers, instant credit transfers and payment accounts, and the share of payments refused because of targeted financial restrictive measures, separately for national and cross-border transactions. Source

Official title: Meldepflichten Verordnung über Echtzeitüberweisungen

The facts

Who files
Payment service providers; branches report under their own identifier, not the LEI of the head office. Source
How often
Annual, for the previous calendar year. The first report covered 26 October 2022 to 31 December 2025, as four separate reports, one per calendar year. Source
Deadline
First report by 9 April 2026. The deadline for later years is not stated on the page. Source
Format
xBRL-CSV, Excel. xBRL-CSV to the EBA taxonomy, named under the EBA filing rules with the LEI (or DE + 8-digit BaFin ID + BAFINID000 without an LEI), or BaFin's macro-enabled Excel template (only the version of 5 February 2026), via the MVP procedure 'Verbraucherschutz'. Source
How it is filed
Filing routes recorded for the BaFin: MVP Portal (Melde- und Veröffentlichungsplattform, reporting and publishing platform); Direct submission to BaFin outside the MVP Portal. See how firms file with the BaFin.
Status
In force
Group
Payment service providers: SEPA reporting (EU, EBA)

Templates (0)

The library lists no templates for this return.

EU return: the templates and instructions are defined by the EBA. See the library's EBA entry eba/sepa-ipr (docs/eba/sepa-ipr.md). German firms use the EBA's templates and taxonomy, or BaFin's Excel version of them. Source

Validation rules

The BaFin publishes the checks it runs on this return. They could not be counted from the published material. Software can run them exactly as published. Source

How they are written: EBA validation rules and filing rules in the EBA reporting framework.

How they were counted

Not counted here: the EBA's validation rules apply (see eba/sepa-ipr).

Counts are in the BaFin's own unit, so they are not comparable with other regulators' counts.

Public data

No published data from this return was found. No data from this return published by BaFin was found. Source

Official documents (5)

The BaFin's own files, with the size and SHA-256 fingerprint of each as downloaded on 11 November 2026, so anyone can tell whether a copy is the same version.

  • MVP-Portal

    List of returns · HTML

    BaFin's page on its reporting and publishing platform (Melde- und Veröffentlichungsplattform, MVP). It lists 44 specialised procedures (Fachverfahren) firms use to file with BaFin, with registration steps and manuals. Read in German; the English version lists only 18 of them.

  • Meldepflichten Verordnung über Echtzeitüberweisungen

    Filing rules · HTML · 25 February 2026

    Reporting by payment service providers under Article 15(3) of the SEPA Regulation on charges and on rejected payments due to targeted financial restrictive measures: first report by 9 April 2026, then annual; xBRL-CSV to the EBA taxonomy or BaFin's Excel template; procedure 'Verbraucherschutz'.

  • Excel-Vorlage Höhe der Entgelte für Überweisungen, Echtzeitüberweisungen und Zahlungskonten sowie Anteil der verweigerten Zahlungsausführungen

    Template · XLSM · 292.2 KB · 5 February 2026

    Macro-enabled Excel template; only the version published on 5 February 2026 can be processed.

    SHA-256 8ad790e3132fshow in full8ad790e3132ffd759b13d34becc96b4a1c347b9cf39f9b5c521ba7c02808b229
  • Informationsblatt zum Fachverfahren Verbraucherschutz (MVP-Portal)

    Filing rules · PDF · 766.6 KB · 25 March 2026

    SHA-256 a2476e4e77c5show in fulla2476e4e77c56d27eb12b17d29c676e72a68ee6c37ac587b094390cfc9ee90b0
  • Benutzerhandbuch für das MVP Portal

    Guidance · PDF · 3.3 MB

    User manual for registering on the MVP Portal and applying for specialised procedures. Not read in full; size and hash recorded.

    SHA-256 ad770ad7df85show in fullad770ad7df85ff9be0dcd51cb1dc67d7edb2db7c7c6cb35cab09ca5ff605278e

Sources

Every page and document this return's facts were read from.

Knowing exactly what is collected, in what format and under which rules is the first step to real-time supervision. Line4 builds SupTech software for financial regulators that runs checks like these as each return arrives.

Line4's text and records here are free to reuse under CC BY 4.0. Please credit: “Source: Line4 regulatory submissions library (CC BY 4.0), https://www.line4.ai”. The regulators' documents, forms, taxonomies, rules and data belong to them: see BaFin's reuse terms. This describes what regulators publish. It is not legal or regulatory advice: always rely on the regulator's own text.

© Federal Financial Supervisory Authority / www.bafin.de. Documents copied here are unchanged. The plain-English summaries are Line4's own; BaFin does not endorse this library.

Last checked 11 November 2026.