SCT Inst — Payment Network Profile | nonusd

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Europe2017-11

SCT Inst

SEPA Instant Credit Transfer

🏳️ 36 SEPA countries (EU/EEA + UK, Switzerland, etc.)EUR (Euro)

IssuerEuropean Payments Council (EPC)Visit issuer →

Payment Types

Credit transfers (instant)P2PP2BB2BGovernment payments

Key Features

Pan-European instant credit transfers
IBAN-based addressing
ISO 20022 messaging standard
Settled via TIPS (TARGET Instant Payment Settlement) or RT1 (EBA Clearing)
Maximum 10-second processing
EU Regulation 2024/886 mandates universal adoption

Statistics

coverage36 countries

availability24/7/365

bank adoption60%+ of European banks offer instant transfers; 100% mandated by end of 2025

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Status

ALL SYSTEMS OPERATIONAL

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settlement timeUnder 10 seconds

transaction limitUp to €1,000,000 (raised in 2025)

share of credit transfers23% of all SEPA credit transfers (H1 2025)

Profile

NetworkSCT Inst

Full NameSEPA Instant Credit Transfer

Country🏳️ 36 SEPA countries (EU/EEA + UK, Switzerland, etc.)

CurrencyEUR (Euro)

RegionEurope

Launched2017-11

IssuerEuropean Payments Council (EPC)

www.europeanpaymentscouncil.eu

www.europeanpaymentscouncil.eu/what-we-do/sepa-instant-credit-transfer

www.europeanpaymentscouncil.eu/document-library

Made by @dylansz_

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