(1) In addition to the essential requirements set out in Article 5, the following technical requirements shall apply to credit transfers and direct debit transactions:

(a) The payment account identifier referred to in Article 5(1)(a) and (c) must be IBAN.

(b) The standard for message format referred to in Article 5(1)(b) and (d) must be the ISO 20022 XML standard.

(c) The remittance data field must allow for 140 characters. Payment schemes may allow for a higher number of characters, except if the device used to remit information has technical limitations relating to the number of characters, in which case the technical limit of the device applies.

(d) Remittance reference information and all the other data elements provided in accordance with points (2) and (3) of this Annex must be passed in full and without alteration between PSPs in the payment chain.