Generate SEPA pain.001 files for Santander.
FinTech Insight: 2025/2026 Mandate
European banks like Santander are shifting to Structured Addresses. Our converter automatically handles <StrtNm>, <BldgNb>, and <TwnNm> tags to ensure your uploads are compliant and mostly not rejected.
Why Use Our Converter for Santander?
Transitioning from the old AEB/CSB 34 text format? Santander now strictly requires the ISO 20022 pain.001.001.03 standard for corporate SEPA transfers (Remesas). Our tool ensures your Excel data is mapped perfectly into this exact schema.
Santander's Spanish corporate portals, migrating away from the legacy AEB/CSB 34 norm, are known among finance teams for being unusually strict about accented characters (á, é, ñ) in creditor and remittance fields — some regional portal versions silently reject files containing them rather than transliterating automatically. Business customers also frequently report needing to double-check that the "Remesas" (batch transfer) execution date falls on a valid Spanish banking business day, since Santander's validation calendar differs slightly from the generic TARGET2 calendar some accounting tools assume.
Compatible with all European Banks
Simple 3-Step Process
Convert your payment data to SEPA XML in minutes.
1. Upload Excel
Upload your own Excel or CSV file — works with exports from Xero, Sage, QuickBooks, or any spreadsheet. No template required (though we offer one if you'd like a head start).
2. Select & Preview
Choose payment type (Salary, Supplier, etc.) and preview the data instantly.
3. Download XML
Pay a small fee and instantly download your valid SEPA Pain.001 XML file.
Bank-Grade Security
Your financial data security is our top priority. We've built our system to ensure your sensitive information never leaves your control.
No Data Storage
We do not store your files. They are processed and deleted immediately.
Client-Side Processing
Data processing happens securely in your browser session.
SSL Encrypted
All transfers are protected by 256-bit SSL encryption.
Simple, Transparent Pricing
Choose the plan that fits your needs.
Free Preview
Validate your Excel files and preview the output structure.
- Unlimited Validations in the Converter
- IBAN & BIC Check
- Preview XML Structure
- Privacy-First Processing
Pay Per File
Download the valid, unmasked SEPA XML file ready for banking.
- Download Unmasked XML
- Full IBAN Visibility
- Instant Invoice Generation
Pro Subscription
For regular users who need unlimited access.
- Unlimited XML Downloads
- SEPA + SWIFT + NACHA support
- Priority Support
- Cancel Anytime
Teams
For teams up to 5
For teams who want to share company settings and mappings across up to 5 members.
- Everything in Pro
- 5 team members included
- Shared company settings & mappings
- SEPA + SWIFT + NACHA support
Business
For teams that need reliability guarantees
- Everything in Pro
- API access — SEPA + NACHA generation & validation
REST API with sandbox environment
- Dedicated support & SLA
- Priority onboarding
- Multi-entity / multi-subsidiary licensing
Enterprise
For larger organizations
For organizations that need on-premise deployment, ERP integration, and dedicated support.
- On-premise / self-hosted deployment
- SAP, Oracle, NetSuite integration
- Custom business rules & approval limits
- Dedicated support & SLA
- Multi-entity / multi-subsidiary licensing
Frequently Asked Questions
Is this compatible with my bank?
Yes, the output is standard ISO 20022 (pain.001.001.03) accepted by all SEPA banks and major global banks.
Can I get an invoice?
Yes, a proper invoice for "Software Services" will be generated via Stripe immediately after payment.
Are salary payments confidential?
Absolutely. When you select "Salary Mode", we use the 'SALA' code so banks hide the details on your statement.
Latest Resources & Guides
Learn more about SEPA, ISO 20022, and payment automation.