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Sources and Confidence Levels

Every important claim on SEPA.tr is tied to a source. Below is the full list of the primary documents we use: the institution, the direct document link, the publication date, the validity window, the last-checked date, the confidence level and the pages on the site where the document is used. We do not use fabricated sources or fake deep-links; any field that cannot be verified is shown as 'Not verified'.

Updated:

Summary

16 primary sources, 5 categories. For each source: the institution · direct document link · publication date · (if any) validity window · last-checked date · A–E confidence level · the pages where it is used on the site.

The confidence-level system

We assign each source a confidence level according to how strongly it supports the claim. Observed product behaviour (D) does not replace official scheme participation; where there is no definitive data, we do not make definitive statements.

A Official institution/bank technical document
B Bank's official product/tariff page
C Written institutional confirmation
D Observed product behaviour (limited account/country/channel)
E Secondary/unverified source

SEPA schemes and register of participants (EPC)

The primary source for the SEPA scheme rules and for the organisations that actually participate in the schemes: the European Payments Council (EPC).

SEPA scheme rulebooks & geographical scope

Confidence A

European Payments Council (EPC)

Publication/document date
2025
Valid from
—
Valid until
indefinite
Last checked
2026-07-16
Document link: https://www.europeanpaymentscouncil.eu (europeanpaymentscouncil.eu)
Used on pages: /sepa-nedir · /semalar · /ulkeler/* · /bankalar/*

Register of Participants — official list of payment service providers that actually participate in the SEPA schemes (SCT, SCT Inst, SDD Core/B2B, VoP) (downloadable CSV/PDF/XML; SDD B2B register current as of 12 Jun 2026)

Confidence A

European Payments Council (EPC)

Publication/document date
2026-06-12
Valid from
—
Valid until
indefinite
Last checked
2026-07-16
Document link: https://www.europeanpaymentscouncil.eu/what-we-do/be-involved/register-participants/registers-participants-sepa-payment-schemes (europeanpaymentscouncil.eu)
Used on pages: /araclar/epc-katilimci-sorgulama · /bankalar/* · /ulkeler/*

2025 SCT Inst Rulebook — the scheme-wide €100,000 cap on instant payments was REMOVED (theoretical maximum €999,999,999.99); a PSP cannot set its own limit lower than for SCT

Confidence A

European Payments Council (EPC)

Publication/document date
2024-11
Valid from
2025-10-05
Valid until
indefinite
Last checked
2026-07-16
Document link: https://www.europeanpaymentscouncil.eu/document-library/rulebooks/2025-sepa-instant-credit-transfer-rulebook-version-10 (europeanpaymentscouncil.eu)
Used on pages: /sepa-instant-nedir · /sct-mi-sct-instant-mi

EU regulations (regulations and directives)

The legal basis for fees, instant payments, IBAN discrimination and open-banking obligations — the official EUR-Lex texts.

Instant Payments Regulation (IPR) — eurozone credit institutions must offer receiving SEPA Instant (SCT Inst) from 9 January 2025, and sending plus Verification of Payee (VoP) from 9 October 2025; for EMIs 9 April 2027

Confidence A

European Union — Regulation (EU) 2024/886 (amends 2021/1230 and 260/2012)

Publication/document date
2024-03-13
Valid from
2025-01-09
Valid until
indefinite
Last checked
2026-07-16
Document link: https://eur-lex.europa.eu/eli/reg/2024/886/oj (eur-lex.europa.eu)
Used on pages: /sepa-instant-nedir · /araclar/vop-simulasyonu · /bankalar/* · /banka-mi-emi-mi

SEPA Regulation — Regulation (EU) No 260/2012, Article 9 (Payment accessibility): a party making/accepting a euro transfer or direct debit to a payment account within the EU/EEA may not stipulate in which member state the account must be (prohibition of IBAN discrimination). Confirmed by CJEU C-28/18. Scope: EU/EEA euro accounts only — non-SEPA (e.g. Turkish) IBANs are OUT of scope.

Confidence A

European Union — Regulation (EU) No 260/2012 (amends 924/2009)

Publication/document date
2012-03-14
Valid from
2012-03-31
Valid until
indefinite
Last checked
2026-07-17
Document link: https://eur-lex.europa.eu/eli/reg/2012/260 (eur-lex.europa.eu)
Used on pages: /iban-ayrimciligi · /araclar/iban-ayrimciligi

Cross-border payments regulation — the charge for a cross-border euro payment must be the SAME as the equivalent domestic payment (equal-charges principle); also, the charge for a cross-border euro instant transfer may not exceed that of a normal transfer

Confidence A

European Union — Regulation (EU) 2021/1230 (codifies 924/2009; amended by 2024/886)

Publication/document date
2021-08-19
Valid from
2021-08-19
Valid until
indefinite
Last checked
2026-07-16
Document link: https://eur-lex.europa.eu/eli/reg/2021/1230/oj/eng (eur-lex.europa.eu)
Used on pages: /sepa-ucretsiz-mi · /sepa-transfer-ucreti · /sepa-ucretleri

Second Payment Services Directive (PSD2) — Directive (EU) 2015/2366 + RTS (Del. Reg. (EU) 2018/389, Art. 30-31): online payment-account providers must open AT LEAST ONE compliant access interface to licensed third parties (AISP/PISP) — a dedicated API or an adapted customer interface; the choice is the bank's. It is a regulated access channel, not a public commercial developer API (since 2019).

Confidence A

European Union / European Banking Authority (EBA)

Publication/document date
2015
Valid from
2019-09-14
Valid until
indefinite
Last checked
2026-07-16
Document link: https://www.eba.europa.eu/regulation-and-policy/payment-services-and-electronic-money (eba.europa.eu)
Used on pages: /bankalar/* · /wise-mi-banka-mi · /revolut-mu-banka-mi

Central banks and standards

Payment systems statistics, the IBAN/ISO 20022 standards and national bank code data.

Payment systems and SEPA statistics

Confidence A

European Central Bank (ECB)

Publication/document date
2025
Valid from
—
Valid until
indefinite
Last checked
2026-07-16
Document link: https://www.ecb.europa.eu (ecb.europa.eu)
Used on pages: /sepa-nedir · /sepa-takas-mutabakat-target

IBAN Registry (ISO 13616)

Confidence A

SWIFT / ISO

Publication/document date
2025
Valid from
—
Valid until
indefinite
Last checked
2026-07-16
Document link: https://www.swift.com (swift.com)
Used on pages: /iban-nedir · /ulkeler/* · /araclar/iban-dogrulama

ISO 20022 message standards (pain / camt)

Confidence A

ISO 20022 Registration Authority

Publication/document date
2025
Valid from
—
Valid until
indefinite
Last checked
2026-07-16
Document link: https://www.iso20022.org (iso20022.org)
Used on pages: /iso-20022 · /sepa-odeme-referansi

Bankleitzahlen (BLZ) data file

Confidence A

Deutsche Bundesbank (Germany's central bank)

Publication/document date
2025
Valid from
—
Valid until
indefinite
Last checked
2026-07-16
Document link: https://www.bundesbank.de (bundesbank.de)
Used on pages: /blz-nedir · /araclar/blz-sorgulama · /alman-iban-yapisi

Turkey payment systems regulations

Confidence A

Central Bank of the Republic of Türkiye (TCMB)

Publication/document date
2025
Valid from
—
Valid until
indefinite
Last checked
2026-07-16
Document link: https://www.tcmb.gov.tr (tcmb.gov.tr)
Used on pages: /turkiye-sepa · /turkiye-bankalari

Turkey's SEPA process

The primary (EEAS joint statement) and supporting sources regarding Turkey's letter of intent to join.

Minister of Treasury and Finance Mehmet Şimşek statement: Turkey submitted its letter of intent to join SEPA to the EPC — SUPPORTING secondary source (primary source: EEAS joint statement)

Confidence C

Ministry of Treasury and Finance statement, via Anadolu Agency (news publisher)

Publication/document date
2026-07-02
Valid from
2026-07-02
Valid until
indefinite
Last checked
2026-07-16
Document link: https://www.aa.com.tr/tr/ekonomi/bakan-simsek-turkiye-sepaya-katilim-icin-niyet-mektubunu-avrupa-odemeler-konseyine-iletti/3984504 (aa.com.tr)
Used on pages: /turkiye-sepa

Enlargement partners joining SEPA

European Commission announcements on the actual participation of Western Balkan and Moldovan banks in the SEPA schemes.

Commission welcomes Albania, Moldova, Montenegro and North Macedonia as first Enlargement partners to join SEPA schemes — 40 banks officially joined the SEPA schemes

Confidence A

European Commission (DG Enlargement and Eastern Neighbourhood)

Publication/document date
2025-10-16
Valid from
2025-10-06
Valid until
indefinite
Last checked
2026-07-16
Document link: https://enlargement.ec.europa.eu/news/commission-welcomes-albania-moldova-montenegro-and-north-macedonia-first-enlargement-partners-join-2025-10-16_en (enlargement.ec.europa.eu)
Used on pages: /ulkeler/arnavutluk · /ulkeler/karadag · /ulkeler/moldova · /ulkeler/kuzey-makedonya

Commission welcomes Serbia joining SEPA schemes — 18 Serbian banks officially joined the SEPA schemes

Confidence A

European Commission (DG Enlargement and Eastern Neighbourhood)

Publication/document date
2026-05-05
Valid from
2026-05-05
Valid until
indefinite
Last checked
2026-07-16
Document link: https://enlargement.ec.europa.eu/news/commission-welcomes-serbia-joining-sepa-schemes-allowing-faster-and-cheaper-euro-transactions-2026-05-05_en (enlargement.ec.europa.eu)
Used on pages: /ulkeler/sirbistan

Our source policy

  • A primary source (an official institution document) is always preferred over a secondary/news source; a secondary source is used only as supporting material.
  • No fake deep-link is created for any figure, fee or date that cannot be verified; the field remains "Not verified".
  • On YMYL (money/finance) topics, no definitive statement is made where there is no definitive data; "based on indications / may / not verified" language is preferred.
  • Sources are re-checked regularly; the last-checked date is shown on every record.

If you believe a source has become out of date or you know of a better primary source, we would be glad to assess it in line with the principles on our methodology page.

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