pain.001 File Generator
Create SEPA credit transfer files in pain.001 format compliant with ISO 20022. Enter your beneficiaries, amounts and references, then download a validated XML file ready for your bank.
How to create a pain.001 file
Enter beneficiaries
Add manually or import from Excel/CSV the names, IBANs, BICs and amounts for your transfers.
Automatic checks
The generator verifies every IBAN and BIC, then validates the complete pain.001 file structure.
Export the XML file
Download an ISO 20022 compliant pain.001 file ready to upload to your bank's portal.
Benefits of the pain.001 generator
Standardised pain.001 format
The file follows the CustomerCreditTransferInitiationV03 (or later) schema required by SEPA banks.
Multi-transaction batches
Group multiple transfers in a single pain.001 file to reduce fees and simplify bank operations.
Reusable originator profiles
Save your originator data (name, IBAN, BIC) to speed up future batch creation.
pain.001 FAQ
What is the pain.001 format?
pain.001 (Payment Initiation — Customer Credit Transfer Initiation) is the standard ISO 20022 message to initiate SEPA credit transfers. It contains originator information, beneficiary details, amounts and execution dates.
How many transfers can I include in a single file?
There is no technical limit. In free mode you can test with 2 rows. Paid plans unlock unlimited batches.
Does pain.001 support international transfers?
Yes. The ISO 20022 pain.001 format supports SEPA transfers in EUR as well as international multi-currency wires with SHA, BEN or OUR charge codes.
Create your first pain.001 file
Try the SEPA credit transfer generator for free — no installation required.