Société Générale SEPA XML Guide: Batch Booking and the 140-Character Remittance Cap
Société Générale's implemented profile is close to the ISO 20022 default: mixed grouping, batch booking on, and the same 140-character remittance cap used by BNP Paribas. There is no dedicated field-level rule file for Société Générale in the validator, so most issues you'll hit are the general SEPA schema requirements covered in 5 Common SEPA XML Error Codes, not a bank-specific quirk.
What the implemented Société Générale profile writes and checks
| Area | Société Générale profile behavior |
|---|---|
| Batch booking | Enabled by default. |
| Grouping | MIXD. |
| Remittance information | Unstructured remittance (Ustrd) is capped at 140 characters, the same limit as BNP Paribas. |
| Bank-specific validator rules | None beyond the configuration above. |
What actually causes rejections
Since there's no Société Générale-specific character-set or address rule in the validator, the practical failure modes are the general ones: an invalid IBAN checksum, a remittance string over 140 characters, or a missing structured address element that any bank enforcing EPC address rules will reject. Use the free IBAN validator on your source accounts before generating, and keep remittance text concise.
Prepare Excel without creating a repair queue
- Validate IBANs individually before a full-file run if you're unsure about data quality.
- Keep remittance/invoice references at 140 characters or fewer.
- Select Société Générale when generating; batch booking and the remittance cap apply automatically.
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