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In forcePayments and crypto-assetsLast checked 11 November 2026

Charges for credit transfers and rejected instant payments, SEPA / Instant Payments (SEPA_IPR)

A regulatory return listed by the European Banking Authority (EBA), European Union.

Payment service providers report how much they charge for regular and instant credit transfers and for payment accounts, and how many instant credit transfers were rejected because of EU sanctions screening. The EBA says the standard reporting lets the European Commission monitor how changes to the SEPA Regulation affect the fees customers pay, so that instant credit transfers are no longer more expensive than regular ones. Source

Official title: Implementing Technical Standards on uniform reporting under the Single Euro Payments Area Regulation (reporting of the level of charges for credit transfers, instant credit transfers and payment accounts, and the share of rejected transactions)

Check a SEPA instant payments file, freeEvery EBA rule for SEPA instant payments, in plain words

The facts

Who files
Payment service providers (the EBA press release names banks, payment institutions and e-money institutions) in scope of Article 15 of Regulation (EU) No 260/2012 report to their national competent authority. Providers in euro Member States report templates S 01.01, S 02.01, S 03.00 and S 04.00; providers in non-euro Member States that offer euro credit transfers report all six templates (Annex II, 'Scope of reporting'). Reporting is at entity level: branches in another Member State report to the host authority, and parent entities report for themselves to the home authority (recital 3 and Annex II). Authorities may let providers send only a reference to identical data already submitted (recital 7, Annex II). Source
How often
Annual. 'PSPs shall report the annual aggregate figures up until 31 of December of the calendar year preceding the year in which the report is submitted' (Article 1(2)); rejections are reported 'for the calendar year preceding the year in which the report is submitted' (Article 2(2)). The first harmonised report contains figures for each year from 26 October 2022 to 31 December 2022 onwards (Articles 1(3) and 2(3)). Source
Deadline
The ITS text itself sets no submission date; it comes from Article 15(3) of the SEPA Regulation. The EBA final report (EBA/ITS/2025/02, paragraphs 10 to 12) says authorities should collect the data in a harmonised way 'on 9 April 2026, and report the data to the EBA and EC on 9 October 2026', and that 'Subsequent submissions to be submitted by 9 April of each year will include annual aggregates for the preceding year only'. The 4.2 page footnote confirms the first remittance from providers to authorities on 9 April 2026 for 2022 to 2025 data. Paragraph 13 says later reporting from authorities to the Commission and EBA is outside the legal scope of the ITS. Source
Format
xBRL-CSV. The EBA takes these reports only in xBRL-CSV, whatever the reference date (CSV adoption policy of release 4.2). Source
How it is filed
Filing routes recorded for the EBA: EUCLID (European Centralised Infrastructure of Data); Pillar 3 data hub (P3DH) submissions. See how firms file with the EBA.
Status
In forceIn force (4.2 page; the EBA product page shows application date 26/10/2025). The 4.2 page footnote says the 'First remittance date from PSPs to NCAs on 9 April 2026 referring to 2022, 2023, 2024 and 2025 data', and that the first IPR report moved from v4.1 to v4.2. The 4.2 page CSV policy says new report types 'MICA, PILLAR3, INSTANT PAYMENT, DORA, they should always in CSV format regardless of reference dates'. Source
Legal basis
Group
Payments and crypto-assets
Check a file before you file it

Line4 Check for EBA reporting runs EBA's own validation rules on a SEPA_IPR file in your browser, free. Your file never leaves your computer. What it runs, from its published manifest:

  • EBA release 4.2: 247 of EBA's 248 active checks (99%).

Every EBA rule for SEPA instant payments, in plain words

It is not a substitute for the validation the supervisor runs when you submit.

Templates (6)

The tables and forms inside the return. Plain name first, the EBA's code in brackets.

  • Number and value of credit transfers and instant credit transfers (national currency) (S 01.01)
  • Number and value of credit transfers and instant credit transfers (euro) (S 01.02)
  • Charges for credit transfers and instant credit transfers (national currency) (S 02.01)
  • Charges for credit transfers and instant credit transfers (euro) (S 02.02)
  • Number of payment accounts and total charges (national currency) (S 03.00)
  • Number of rejected instant credit transfers (S 04.00)

Templates of module SEPA_IPR in EBA release 4.2, read from the module's entry point in the taxonomy package; parts of a template split into sub-tables (a, b, c) are listed once. Source

Validation rules

37 rules, as counted from the EBA's published material. Software can run them exactly as published. Source

How they are written: Excel list with one row per rule and module version: an expression column in the EBA's DPM-XL syntax, severity (error or warning), active status and reference-date range. The same rules ship as XBRL Formula assertions in the taxonomy package..

EBA's list applies the active SEPA_IPR_4.2 rules to reference dates from 2022-12-31 with no end date set.

The rules, on eba.europa.eu

How they were counted

Distinct rule codes listed for module SEPA_IPR_4.2 in EBA's validation rules list VR_4.4.phase1_.xlsx ((from 4.0) EBA_Validation rules, latest update 12/10/2026) with IsActive = Active: 37 of 37 listed. 0 of the active rules have severity error; the rest are warnings.

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

Public data

No published data from this return was found. No publication of this return's data found on the EBA's risk analysis and data pages (checked 2026-11-11). Source

Official documents (15)

The EBA'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.

  • Legal Act (SEPA_IPR)

    Legal text · DOCX · 85.6 KB · 1 October 2025

    Adopted Commission text 'of 1.10.2025' (C(2025) 6570); OJ number not printed in this file.

    SHA-256 00a3983b5a77show in full00a3983b5a773b3bdb1d98ba508a44ec609b0019ec439fb324810e16b2c04645
  • Templates (SEPA_IPR)

    Template · XLSX · 28.6 KB · 5 February 2026

    Annex I: S 01.01, S 01.02, S 02.01, S 02.02, S 03.00, S 04.00.

    SHA-256 dfbb83147ad7show in fulldfbb83147ad754ac0bb75fa2aad7607d51f1e340c3f7499d7a76b0da4f7366f9
  • Instructions (SEPA_IPR)

    Instructions · DOCX · 113.7 KB · 5 February 2026

    Annex II instructions, including scope of reporting.

    SHA-256 7b72b488e3b0show in full7b72b488e3b0eb181b1d808bf8a71b701663622eacd454e6a80f174c8a4555ad
  • Draft Implementing Technical Standards on uniform reporting under SEPA

    Other · PDF · 654.1 KB · 4 February 2025

    EBA final report EBA/ITS/2025/02 dated 4 February 2025; explains the 9 April deadlines and the 12-month postponement.

    SHA-256 d67ce428d8b8show in fulld67ce428d8b872011c5b8cfc50a64ac8eed3264e48addedee496e1ff1e78acd1
  • FAQ for reporting innovations and upcoming releases

    Guidance · PDF · 234.4 KB · 10 September 2025

    Q6: first IPR report moved to v4.2; first remittance April 2026; IPR submitted using the xBRL-CSV taxonomy.

    SHA-256 2e85d29b56e9show in full2e85d29b56e93d235bcd1935a1d93bde07f859499d64c202ec0fe39d2b5d5808
  • DPM table layout and data point categorization (4.2.1)

    Template · ZIP · 17.5 MB · 27 February 2026

    Annotated Excel layouts of every template in release 4.2 and 4.2.1, with row and column codes.

    SHA-256 e022598f9f98show in fulle022598f9f98408d6920555a90c899bea5a1a2519b696703c232526a45b7cc07
  • Reporting framework 4.2

    List of returns · HTML

    Table 1.A maps every module of release 4.2 to its legal act, templates and instructions.

  • Taxonomy package 4.2

    Taxonomy · ZIP · 62.0 MB · 13 January 2026

    XBRL taxonomy for all 50 modules of release 4.2, including the validation rules as XBRL Formula assertions.

    SHA-256 0bf9e33720deshow in full0bf9e33720de1472e809417999cfd29e4b5eadb31750c7770622e502590bbdd0
  • Sample files 4.2

    Sample · ZIP · 2.9 MB · 13 January 2026

    SHA-256 41fb8435ce33show in full41fb8435ce33c53528bd05f8624e79acdfc7e6d8991a67870292646fb88cc0ef
  • (from 4.0) EBA_Validation rules (latest update 12/10/2026)

    Validation rules · XLSX · 1.1 MB · 12 October 2026

    One row per rule and module version, with the expression, severity, active status and reference-date range.

    SHA-256 38c190fa4c2fshow in full38c190fa4c2ff81f22a5bd2ed94f744fc64e4eb9b722676e07f89669d79b1aea
  • Small validation package 14/09/2026: Micro taxonomy package

    Validation rules · ZIP · 1.5 MB · 14 September 2026

    Severity and deactivation updates for the taxonomy (XBRL set folders).

    SHA-256 ea6184a7e3a6show in fullea6184a7e3a67016346f2154bfb04ca0a489ea829cf344239367fa216d21709f
  • EBA filing rule V5.9

    Filing rules · PDF · 1.2 MB · 26 June 2026

    Technical rules for XBRL-XML and xBRL-CSV files sent to the EBA.

    SHA-256 bbc23b9ecad5show in fullbbc23b9ecad5de0a0821bbe8bce8e4ce617652afce02e81c88d572bac4a4b293
  • DPM Know issues (uploaded on 05/11/2026)

    Known issues · XLSX · 69.9 KB · 5 November 2026

    SHA-256 c6753a428649show in fullc6753a4286496876f2e545b355f1ebaddf0e4383de522b19818c93af141327e0
  • EBA filing rule V5.8

    Filing rules · PDF · 1.1 MB · 25 February 2026

    SHA-256 dea8d520c922show in fulldea8d520c9229c52ae1f44e921a3728d769544e0f0c8937da3958f1c0197d2bf
  • FAQs for Reporting Innovations and Upcoming Releases (Updated on 25/11/2025)

    Guidance · PDF · 196.4 KB · 25 November 2025

    SHA-256 ddcccd9e56f0show in fullddcccd9e56f0c670c5fdeffda7b564dd5a7bf752e990be8e6ed3e2fe7c6fd796

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 EBA's reuse terms. This describes what regulators publish. It is not legal or regulatory advice: always rely on the regulator's own text.

Contains material from the European Banking Authority (EBA), https://www.eba.europa.eu, reproduced with the source acknowledged as the EBA's legal notice requires. Source: European Banking Authority.

Last checked 11 November 2026.