EBA Decision Harmonizes SEPA Payment Data Reporting for NCAs
Summary
The European Banking Authority published a decision dated April 1, 2026, harmonizing how national competent authorities (NCAs) report SEPA payment data under the SEPA Regulation. Under the decision, NCAs will now submit annual reports on payment charges and sanctions-related transaction rejections to the EBA alone by October 9 each year, eliminating the prior requirement to report separately to both the European Commission and the EBA. The EBA will then share the aggregated data with the European Commission via its EUCLID data collection platform.
What changed
The EBA published a decision harmonizing the reporting of SEPA payment data by NCAs, effective immediately. NCAs that previously reported identical information separately to both the European Commission and the EBA must now submit this data solely to the EBA by October 9 annually. The decision applies to annual reports on charges for credit transfers, payment account fees, and shares of transactions rejected due to EU sanctions under Article 15 of the SEPA Regulation.
Payment service providers are indirectly affected as the streamlined process eliminates redundant data collection—NCAs holding existing data are responsible for its accuracy without requiring PSPs to re-submit information. The primary impact is on NCA administrative processes and internal reporting workflows to align with the new single-channel approach via the EUCLID platform.
Archived snapshot
Apr 18, 2026GovPing captured this document from the original source. If the source has since changed or been removed, this is the text as it existed at that time.
April 17, 2026
EBA Decision on harmonising reporting of SEPA data by NCAs
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The European Banking Authority (EBA) has published a decision dated 1 April, harmonising how national competent authorities (NCAs) report data under the SEPA Regulation (EU) No 260/2012. Under Article 15(3) of the SEPA Regulation, payment service providers (PSPs) are required to report annually on charges for credit transfers and payment accounts, as well as the shares of transactions rejected due to EU sanctions. Under Article 15(4) of the SEPA Regulation, NCAs must currently share that information with both the European Commission (EC) and the EBA. To avoid double reporting, the decision provides that NCAs will now report this information only to the EBA, via a single reporting channel, on an annual basis by 9 October of each year. The EBA will then make this information available to the EC via its data collection ecosystem, the European Centralised Infrastructure of Data (EUCLID), as soon as possible after receiving it from the NCAs. The decision also clarifies that where NCAs already hold some of the required data, they are responsible for ensuring its accuracy and completeness, without re collecting it from PSPs. In addition, the Annex to the EBA's EUCLID Decision is amended to reflect this new reporting requirement. The decision takes effect immediately.
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