SEPA

Hub SEPA et ISO 20022

Convertissez vos fichiers Excel de paie et de paiements fournisseurs en XML SEPA pain.001 et pain.008 conformes aux banques — instantanément, avec le convertisseur gratuit qui fonctionne directement dans votre navigateur.

2026-07-20·

SEPADirect Debit

How to Automate SEPA Direct Debit: Convert Excel to pain.008 XML

Stop manually managing SEPA Direct Debit mandates. Learn how to convert your Excel collection lists into bank-compliant ISO 20022 pain.008 XML files effortlessly.

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2026-07-20·

SEPAPayroll

Stop SEPA Bank Rejections: How to Generate Valid SEPA Payroll XML Files

End the monthly nightmare of payroll day. Learn why banks reject your Excel or CSV exports and how to generate ISO 20022 compliant SEPA Payroll XML files every time.

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2026-07-03·

APIJSON

How to Convert JSON to SEPA and SWIFT pain.001 XML via API

Learn how to programmatically generate bank-compliant ISO 20022 pain.001 XML files from JSON payloads for SEPA and SWIFT payments.

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2026-03-18·

SEPAXero

Exporting SEPA XML from Xero, Sage, and Datev: The Easy Excel Workaround

Frustrated by a Xero SEPA XML export error or struggling with Sage and Datev? Discover the simple Excel workaround to generate bank-compliant files instantly.

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2026-03-18·

SEPAExcel

Excel in SEPA XML umwandeln (Einfach, Schnell & DSGVO-Konform)

Erfahren Sie, wie Sie sicher Excel in SEPA XML umwandeln können – 100% DSGVO-konform, direkt im Browser. Ideal für Datev XML Exporte und Gehaltsabrechnungen.

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2026-03-18·

SEPAExcel

How to Convert Excel to SEPA XML (pain.001.001.03) in 2026

Learn the fastest way to convert Excel to SEPA XML in 2026. Stop writing VBA scripts and use our 100% secure pain.001.001.03 generator to create bank-compliant files.

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2025-01-03·

SEPAExcel

How to Convert Excel to SEPA XML (pain.001) in 3 Steps

Stop struggling with bank error codes. Learn how to securely convert your Excel payroll and payment files into ISO 20022 SEPA XML format instantly.

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2026-01-04·

SEPAError Codes

5 Common SEPA XML Error Codes & How to Fix Them

Seeing 'Schema Validation Failed' or 'Invalid IBAN'? Here is a list of the most annoying SEPA error codes and how our tool fixes them automatically.

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2025-01-05·

ISO 20022Banking Standards

What is ISO 20022 and Why Do I Need It?

The global banking standard has changed. Understand what ISO 20022 is, why banks are enforcing it, and how to comply without changing your accounting software.

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2026-02-12·

Smart MappingExcel

Don't Change Your Excel Layout: Convert Any Spreadsheet to SEPA XML Instantly

Tired of rigid Excel templates? Discover how our Smart Column Mapping lets you convert any spreadsheet from Xero, Sage, or HR software to SEPA XML without reformatting.

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2026-08-26·

SEPAING

How to Send SEPA Payments to ING: Field Requirements and Common Rejections

The ING credit-transfer profile uses pain.001.001.03, TRF payment method, batch booking, a two-address-line limit, and Latin-1-safe names and remittance text.

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2026-08-26·

SEPACitibank

Citibank SEPA XML Requirements: What CitiConnect Expects from Your Payment File

The implemented CitiConnect profile defaults to batch booking, MIXD grouping, TRF credit transfers, and a restricted EndToEndId character set.

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2026-08-26·

SEPADeutsche Bank

Deutsche Bank SEPA Payments: Field Rules, Rejections, and How to Avoid Them

The Deutsche Bank profile generates pain.001.001.09 with grouped, future-dated batches and requires beneficiary town, country, and debtor-agent BIC.

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2026-08-26·

SEPABBVA

BBVA SEPA XML Guide: Payment Field Requirements and Rejection Fixes

This guide covers the implemented BBVA SEPA credit-transfer profile: pain.001.001.03, MIXD grouping, default batch booking, and salary category handling.

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2026-08-26·

BICISO 20022

BIC Code Validation: Why Some Banks Require 11 Characters (Not 8)

An 8-character BIC is structurally valid under ISO 9362, but bank profiles can require an 11-character branch-qualified value. Learn how the implemented profiles validate each case.

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2026-08-26·

SEPASWIFT

SWIFT pain.001 vs SEPA pain.001: What’s Actually Different?

pain.001 is one message family, not one interchangeable file. Compare the implemented SEPA profiles with the Straight2Bank SWIFT profile: schema, accounts, BICs, charge bearer, address handling, and character sets.

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2026-08-26·

SEPAISO 20022

Pain.001 vs Pain.002 vs Pain.008: What Each SEPA Message Type Does

Know which ISO 20022 pain message starts a credit transfer, starts a direct debit, or reports payment status—and which files this converter actually generates.

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2026-09-08·

SEPACommerzbank

Commerzbank SEPA XML Requirements: Structured Addresses and Future-Dated Batches

The Commerzbank profile enforces a future execution date and warns when addresses are not split into structured street and building-number fields.

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2026-09-08·

SEPAPostbank

Postbank SEPA XML Guide: How the Profile Differs from Deutsche Bank Group

Postbank is part of Deutsche Bank Group but runs its own SEPA profile: pain.001.001.03, a future-dated batch requirement, and a structured-address warning.

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2026-09-08·

SEPASantander

Santander SEPA XML Guide: EndToEndId Length and Character-Set Warnings

The Santander profile mirrors BBVA on salary categorization, and separately flags long EndToEndId values and non-alphanumeric characters in the creditor name.

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2026-09-08·

SEPABNP Paribas

BNP Paribas SEPA XML Guide: The Country-Code Rule Tied to the Structured-Address Rollout

BNP Paribas enforces a strict two-letter country-code format as part of the ongoing structured-address rollout, plus a 140-character remittance limit and an optional local-instrument field for direct debit.

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2026-09-08·

SEPASociété Générale

Société Générale SEPA XML Guide: Batch Booking and the 140-Character Remittance Cap

The Société Générale profile enables batch booking by default and caps unstructured remittance information at 140 characters, with no additional bank-specific validator rules beyond that.

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2026-09-08·

SEPAIntesa Sanpaolo

Intesa Sanpaolo SEPA XML Guide: Why Accented Italian Characters Get Rewritten

The Intesa Sanpaolo profile applies legacy CBI-era character sanitization, silently converting accented Italian letters like à, è, and ò to their unaccented equivalents.

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2026-09-08·

SEPAUniCredit

UniCredit SEPA XML Guide: The Same Legacy Character Sanitization as Intesa Sanpaolo

UniCredit shares the ITALIAN_LEGACY character-sanitization profile with Intesa Sanpaolo: accented vowels and ñ/ç are rewritten to unaccented ASCII in names and remittance text.

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2026-09-08·

SEPAABN AMRO

ABN AMRO SEPA XML Guide: The 140-Character Remittance Limit

The ABN AMRO profile uses the standard pain.001.001.03 namespace with a 140-character cap on unstructured remittance information.

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2026-09-08·

camt.053camt.054

camt.053 vs camt.054: What Bank Statement XML Files Actually Contain

camt.053 is a full bank-to-customer statement with balances; camt.054 is a lighter debit/credit notification without balance context. Here is what each format is for and how to get them into Excel.

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