Quick Guide To COR1 SEPA Direct Debits 6

Many legacy direct debit schemes were pretty efficient and allowed creditors to collect according to various business requirements. Some legacy schemes allowed collections to be submitted to the bank / clearing 1 day prior to the collection date. This has now changed under SEPA direct debit CORE processing where the requirement is for collection instructions to be submitted 2 days prior to the due date (for Recurring collections). For many corporates this represented significant business process redesign and change.

  1. Recognising this shortfall in the CORE scheme, in November 2012 the EPC updated the SEPA Direct Debit rulebook which created a local instrument ‘COR1‘ handling a shorter processing cycle of Due Date-1 day. This allowed the creditor to submit the collection file 1 day before collection date
  2. COR1 SEPA direct debit collections is a purely optional scheme, and it is up to the bank if they wish to support COR1
  3. So far only Austria, Germany and Spain support COR1 processing
    1. Please check with your banks first, or refer to post A Must Visit Website for any SEPA Implementation… to see which banks support COR1
  4. Given that existing / legacy collection scheme facilitates submitting the direct debit file one day prior to the due date, it is likely that the COR1 scheme will prevail in Austria, Germany, Spain, and CORE will be used for cross border euro currency collections
  5. Aside from being able to submit the first (FRST) and recurring (RCUR) collections 1 day prior to the due date, all other aspects of COR1 SEPA direct debit collections align with the CORE scheme
  6. To collect using COR1 you must explicitly refer to the COR1 SEPA direct debit scheme within the XML Payment Information tag as follows:








Let me know if you have any other interesting COR1 SEPA direct debit information to share….

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6 thoughts on “Quick Guide To COR1 SEPA Direct Debits

  1. Reply Sandeep Mar 12,2014 4:45 pm

    Nice read indeed.

    May i know if we can use same XML file for both SDD CORE and SDD COR1?

    • Reply SEPA-for-Corporates Mar 12,2014 8:19 pm

      Hi Sandeep

      Generally speaking, yes. The XML would be the same. The notable difference would be with the Local Instrument tag value…

      The LclInstrm value would be ‘CORE’ or ‘COR1’ as required.

      But I would urge to you to check with your target bank/payment service provider for any other differences they may require.

      Good luck!

      Best Regards – SEPAforCorporates

  2. Pingback: Italy - Migrating RID to SEPA Direct Debit - SEPA for Corporates

  3. Reply Saurabh Sep 9,2016 6:57 am


    Is it possible to keep the DME structure same as CORE but generate the output as COR1 via coding ?


  4. Reply Stefan Oct 18,2016 7:30 am


    it’s important to also change the namespace to a namespace, that supports COR1.


  5. Reply Alexis Giesen Jan 27,2017 11:10 am

    “COR1 is dead, Long live D-1 target!”

    You might want to update your overview since COR1 will not be relevant anymore.:

    Since the end of 2016 submission period of one day became standard also for CORE. So there is no reason to use COR1 anymore.

    Under SEPA Rulebook version 9.0, all SDD Core collections presented either for the first time, on a recurrent basis or as a one-off collection, can be presented up to D-1 TARGET Business Day (D-1).

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