Obecné zásady Evropské centrální banky (EU) 2026/1473 ze dne 4. května 2026, kterými se mění obecné zásady (EU) 2022/912 o transevropském expresním automatizovaném systému zúčtování plateb v reálném čase nové generace (TARGET) (ECB/2022/8) (ECB/2026/11)

THE GOVERNING COUNCIL OF THE EUROPEAN CENTRAL BANK,

Having regard to the Treaty on the Functioning of the European Union, and in particular Article 127(2), first and fourth indents, thereof,

Having regard to the Statute of the European System of Central Banks and of the European Central Bank, and in particular Article 3.1 and Articles 17, 18 and 22 thereof,

Guideline (EU) 2022/912 (ECB/2022/8) is amended as follows: 1.in Article 2, the following point 28a is inserted: (28a) European Payments Council’s SEPA One-Leg Out Instant Credit Transfer (OCTs Inst) scheme or OCTs Inst scheme;; 2.in Article 2, point (63a) is deleted; 3.Annex I is amended with effect from 15 June 2026 in accordance with Annex I to this Guideline; 4.Annex III is amended with effect from 15 June 2026 in accordance with Annex II to this Guideline; 5.Annex I is amended with effect from 14 November 2026 in accordance with Annex III to this Guideline; 6.Annex III is amended with effect from 14 November 2026 in accordance with Annex IV to this Guideline.

in Article 2, the following point 28a is inserted: (28a) European Payments Council’s SEPA One-Leg Out Instant Credit Transfer (OCTs Inst) scheme or OCTs Inst scheme;;

in Article 2, point (63a) is deleted;

Annex I is amended with effect from 15 June 2026 in accordance with Annex I to this Guideline;

Annex III is amended with effect from 15 June 2026 in accordance with Annex II to this Guideline;

Annex I is amended with effect from 14 November 2026 in accordance with Annex III to this Guideline;

Annex III is amended with effect from 14 November 2026 in accordance with Annex IV to this Guideline.

Guideline (EU) 2022/912 of the European Central Bank of 24 February 2022 on a new-generation Trans-European Automated Real-time Gross Settlement Express Transfer system (TARGET) and repealing Guideline ECB/2012/27 (ECB/2022/8) (OJ L 163, 17.6.2022, p. 84, ELI: http://data.europa.eu/eli/guideline/2022/912/oj).

(1) On 11 June 2021 , the Governing Council decided that a cross-currency settlement functionality in TARGET instant payment settlement (TIPS) service is in line with the strategic objectives of the Eurosystem. Further to this decision, TIPS will allow, as of 14 November 2026 , for the sending and receipt of payments by or to TIPS participants that adhere to the European Payment Council’s SEPA (EPC) One-Leg Out Instant Credit Transfer (OCTs Inst) scheme.

(2) From 15 June 2026 , a facility will be introduced to allow participants to better manage their liquidity by enabling automatic liquidity transfers between a participant’s main cash accounts (MCAs) and their TIPS dedicated cash accounts (TIPS DCAs), once a floor or ceiling limit set by the participant has been breached.

(3) From 1 July 2026 , the fees for holders of real-time gross settlement dedicated cash accounts (RTGS DCAs) will be amended.

(4) It is necessary to clarify the eligibility of applicant participants which are subject to restrictive measures adopted by the Council of the European Union or any Member State pursuant to Article 65(1)(b), Article 75 or Article 215 of the Treaty on the Functioning of the European Union that have quasi insolvency effects, to ensure that such applicant participants are treated commensurately, with the discretion of the TARGET component operator being minimal in that regard.

(5) While it is necessary that national central banks (NCBs) continue to have the ability under the harmonised conditions for participation in TARGET to accelerate the obligations of a participant where a default results in the termination of that participant’s participation, NCBs should nevertheless have the option not to accelerate obligations where a default results in a suspension of participation.

(6) It is also necessary to introduce certain editorial revisions in Guideline (EU) 2022/912 of the European Central Bank (ECB/2022/8)Guideline (EU) 2022/912 of the European Central Bank of 24 February 2022 on a new-generation Trans-European Automated Real-time Gross Settlement Express Transfer system (TARGET) and repealing Guideline ECB/2012/27 (ECB/2022/8) (OJ L 163, 17.6.2022, p. 84, ELI: http://data.europa.eu/eli/guideline/2022/912/oj). .

(7) Therefore, Guideline (EU) 2022/912 (ECB/2022/8) should be amended accordingly,

This Guideline shall take effect on the day of its notification to the national central banks of the Member States whose currency is the euro.

The national central banks of the Member States whose currency is the euro shall take the necessary measures to comply with this Guideline and apply those measures set out in Annexes I and II from 15 June 2026 , and those measures set out in Article 1(1) and (2) and Annexes III and IV from 14 November 2026 . They shall notify the ECB of the texts and means relating to those measures by 18 May 2026 , at the latest.

Article 1 Article 1 Amendments

Article 2 Article 2 Taking effect and implementation 1This Guideline shall take effect on the day of its notification to the national central banks of the Member States whose currency is the euro. 2.The national central banks of the Member States whose currency is the euro shall take the necessary measures to comply with this Guideline and apply those measures set out in Annexes I and II from 15 June 2026 , and those measures set out in Article 1(1) and (2) and Annexes III and IV from 14 November 2026 . They shall notify the ECB of the texts and means relating to those measures by 18 May 2026 , at the latest.

Article 3 Article 3 Addressees

This Guideline is addressed to all Eurosystem central banks.

HAS ADOPTED THIS GUIDELINE: