ISO 20022 Blog
Guides and resources about ISO 20022, SEPA and SWIFT payments
DTAZV replacement: foreign payments in pain.001.001.09
On 24 September 2026, the Deutsche Kreditwirtschaft (DK), the joint committee of the German banking associations, suspended the retirement of the legacy formats planned for November 2026 — foreign payments included. No new end date has been set; it will follow SWIFT and the EPC. The migration itself does not go away: your bank still sets its own day, and as of 25 September 2026 GLS Bank is keeping 14 November 2026. Once your bank's own cut-off has passed, foreign payments to it are submitted only as XML files in the pain.001.001.09 format, over EBICS with the order type AXZ. This guide covers the dates, what the AXZ variant actually requires, how to create and check your first file, and what to clarify with your bank beforehand. Last updated: 25 September 2026.
Read more →How to Create a SEPA XML File: The Complete Guide
SEPA XML files are the standard format for bank transfers and direct debits across Europe. Whether you are a treasurer, accountant or developer, understanding the structure of these files is essential for automating your payment workflows. This guide walks through every step, from XML structure to generation tools.
Read more →pain.001 vs pain.002: Understanding ISO 20022 Message Types
The ISO 20022 standard defines a family of XML messages for payments. The most common ones — pain.001, pain.002 and pain.008 — each play a specific role in the payment chain. This article explains their differences, use cases and how they work together.
Read more →ISO 20022 Migration Guide: Timeline, Impact and Steps
The migration to ISO 20022 is one of the biggest changes in international financial messaging. SWIFT ended the MT/MX coexistence period for cross-border payments in November 2025. The deadlines set for November 2026 concern the files businesses send to their banks: older pain versions and, in Germany, the DTAZV format. On 24 September 2026 the Deutsche Kreditwirtschaft suspended that retirement without naming a new date — and as of 25 September 2026 GLS Bank was keeping its own; we have no information on other institutions. This guide, updated on 25 September 2026, covers the timeline, the 2026 deadlines, the real-world impact and the steps to make the transition a success.
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