Euro Credit Transfers and Direct Debits Regulation

Proposal for a REGULATION OF THE EUROPEAN PARLIAMENT AND OF THE COUNCIL establishing technical requirements for credit transfers and direct debits in euros and amending Regulation (EC) No 924/2009

Stage: In force
In force: In force since 31 Mar 2012 · CELEX 32012R0260
Procedure: Regulation
Last activity: 14 Mar 2012

1 act

Delegated and implementing acts beneath it

By status: 1 published.

Act	Kind	Status	Adoption
Commission Implementing Regulation (EU) 2025/1979	Implementing · Regulation	Published

Titles link to EUR-Lex where the act has been published.

Summary

Generated

Regulation (EU) No 260/2012 sets technical and business requirements for euro credit transfers and direct debits, including reachability, interoperability, and message formats. Amended in 2024, it mandates instant credit transfers: euro-area PSPs must offer receiving by 9 January 2025 and sending by 9 October 2025; non-euro-area PSPs by 9 January 2027 and 9 July 2027.

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Sources: EUR-Lex. Record as of 14 Sept 2026. Something wrong on this page? Report an error.

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