UniCredit SEPA XML Guide: The Same Legacy Character Sanitization as Intesa Sanpaolo
UniCredit's implemented profile is configured identically to Intesa Sanpaolo's on the point that trips people up most: character sanitization for Italy's legacy CBI-era banking channels. If you already read the Intesa Sanpaolo guide, the behavior below is the same.
What the implemented UniCredit profile writes and checks
| Area | UniCredit profile behavior |
|---|---|
| Batch booking | Enabled by default. |
| Grouping | MIXD. |
| Character sanitization | ITALIAN_LEGACY mode — the same accented-character rewriting used for Intesa Sanpaolo, applied to the creditor name and unstructured remittance. |
Expect de-accented names and remittance text
A creditor name containing à, è, ì, ò, ù (and their uppercase forms), ñ/Ñ, or ç/Ç is rewritten to the closest unaccented ASCII letter before the XML is generated — the same substitution table as Intesa Sanpaolo. This is expected UniCredit-profile behavior, not data corruption, and it only applies when UniCredit (or another ITALIAN_LEGACY profile) is selected as the target bank.
Prepare Excel without creating a repair queue
- Don't "fix" accented names in your source spreadsheet in response to seeing de-accented output — the sanitization is applied at generation time and is specific to the UniCredit XML output, not your records.
- Keep IBANs, amounts, and remittance descriptions in separate columns so the sanitizer only touches the name and remittance text, not structured payment data.
- Select UniCredit when generating so batch booking and the character sanitization apply consistently.
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