The European Banking Authority (EBA) published a Decision harmonising how National Competent Authorities (NCAs) transmit data under the Single Euro Payments Area (SEPA) Regulation, creating a single reporting channel to the EBA and avoiding parallel submissions to both the EBA and the European Commission. The Decision complements the European Commission’s implementing requirements that Payment Service Providers (PSPs) report data on charges for credit transfers, instant credit transfers and payment accounts, as well as sanctions-related rejection rates, and supports Commission monitoring of access to instant credit transfers and their pricing relative to standard credit transfers. Under the new approach, NCAs must submit the relevant dataset annually to the EBA exclusively through the European Centralised Infrastructure of Data (EUCLID) by 9 October each year, with a reference date of 31 December of the preceding calendar year, using one integral and fully complete file. A derogation requires the first harmonised reporting to include separate files for each year preceding the submission year, starting with the period 26 October 2022 to 31 December 2022. NCAs must also submit and maintain master data, including the list of PSPs in scope, and where they already hold some of the required data they remain responsible for its accuracy and completeness without re-collecting it from PSPs; the EBA will then make the data available to the European Commission through EUCLID at individual-PSP level. The Decision amends the Annex to the EBA’s EUCLID Decision to incorporate the new SEPA reporting requirement and enters into force immediately.
European Banking Authority 2026-04-10
European Banking Authority issues Decision requiring National Competent Authorities to report SEPA Regulation data exclusively via EUCLID
The European Banking Authority has adopted a Decision harmonising how National Competent Authorities transmit Single Euro Payments Area data, establishing a single reporting channel via the European Centralised Infrastructure of Data and eliminating submissions to the European Commission. National Competent Authorities must submit annual datasets on payment service provider charges and sanctions-related rejection rates, maintain master data, and remain responsible for data accuracy where they already hold the information. The Decision amends the Annex to the EBA’s EUCLID Decision and takes immediate effect.