Febelfin banking standards for online banking

Based on guidelines from the European Payments Council (EPC), Febelfin has published implementation guidelines.

As of <date yet to be confirmed>, the use of the structured or “hybrid” address will become mandatory. Unstructured addresses may no longer be used.

These new requirements are described in the Febelfin (Instant) SCT and SDD standards.

Please consult your bank to verify whether these address formats are already supported in the current version. Users are encouraged to prepare for this change in a timely manner.

More information can be found below.

• Febelfin European CT Example

• Febelfin Generic CT Example

• Febelfin European CT Example

• Febelfin European Instant CT Example

• Febelfin Generic CT Example

• SDD2023 sample 1

• SDD2023 sample 2

• SDD2025 sample 1

• SDD2025 sample 2

Clarification Paper on the Use of Slashes in References, Identifications and Identifiers | European Payments Council.

Guidance on reason codes for SEPA Direct Debit R-transactions