ISO 20022 File Validator
Check the compliance of your SEPA XML files before sending them to your bank. The validator checks XSD schema, IBANs, BICs and business rules to catch errors before they cause a rejection.
How to validate an ISO 20022 file
Upload your XML file
Upload a pain.001 or pain.008 file, or paste the XML content directly into the editor.
Automatic analysis
The validator detects the file type, checks XSD compliance and verifies every IBAN and BIC.
Fix and export
Errors are pinpointed precisely. Fix them directly in the editing module, then export the corrected file.
Why validate your ISO 20022 files
Prevent bank rejections
Catch structural errors, invalid IBANs and missing BICs before sending to your bank.
Full XSD validation
Every file is checked against official ISO 20022 XSD schemas for pain.001 and pain.008 formats.
Anomaly detection
The validator also flags inconsistencies such as unusual amounts or past execution dates.
Integrated editing
After validation, fix errors directly in the appropriate module without leaving the application.
ISO 20022 validation FAQ
What file types are supported?
The validator supports pain.001 (SEPA and international credit transfers) and pain.008 (SEPA direct debits), including multi-currency variants.
Does validation replace my bank's checks?
No. The validator checks technical compliance with the ISO 20022 schema and common business rules. Your bank may apply additional checks specific to its system.
Can I validate a file generated by another tool?
Yes. The validator accepts any XML file in pain.001 or pain.008 format, regardless of the tool used to produce it.
Validate your SEPA files before submission
Catch errors early and avoid costly bank rejections.