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Regulation 260/2012/EU - SEPA RegulationRecitalsArticle 1 Subject matter and scopeArticle 2 DefinitionsArticle 3 ReachabilityArticle 4 InteroperabilityArticle 5 Requirements for credit transfer and direct debit transactionsArticle 5a Instant credit transfer transactionsArticle 5b Charges in respect of credit transfers and verification of the payeeArticle 5c Verification of the payee in the case of credit transfersArticle 5d Screening of PSUs by PSPs that offer instant credit transfers to verify whether a PSU is a person or entity subject to targeted financial restrictive measuresArticle 6 End-datesArticle 7 Validity of mandates and right to a refundArticle 8 Interchange fees for direct debit transactionsArticle 9 Payment accessibilityArticle 10 Competent authoritiesArticle 11 PenaltiesArticle 12 Out-of-court complaint and redress proceduresArticle 13 Delegation of powerArticle 14 Exercise of the delegationArticle 15 ReviewArticle 16 Transitional provisionsArticle 17 Amendments to Regulation (EC) No 924/2009Article 18 Entry into forceAnnex Technical Requirements (Article 5)Done at
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Version status: Entered into force | Document consolidation status: Updated to reflect all known changes
Version date: 31 March 2012 - onwards
Version 2 of 2

Article 18 Entry into force

This Regulation shall enter into force on the day following that of its publication in the Official Journal of the European Union.

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