SDD XML Generator
Generate SEPA Direct Debit XML files in pain.008 format. Manage mandates (RUM), configure your creditor identifier (ICS), import from Excel and download bank-ready files.
How to generate an SDD XML file
Configure mandates
Enter mandate references (RUM), signature dates and sequence types (FRST, RCUR, OOFF, FNAL) for each debtor.
Validate automatically
The generator checks your ICS, debtor IBANs and BICs, then validates the file against the official pain.008 XSD schema.
Download the XML
Get a compliant SDD XML file (pain.008) ready to submit to your bank with the correct collection dates.
Why use our SDD XML generator
Complete mandate management
Embed RUM, signature dates and sequence types directly in the XML — everything your bank needs to process the collection.
ICS verification
Your SEPA Creditor Identifier is validated automatically to prevent bank rejections.
Excel and CSV batch import
Import hundreds of mandates from a spreadsheet and generate a single SDD XML file in seconds.
SDD XML generator FAQ
What is an SDD XML file?
An SDD (SEPA Direct Debit) XML file is an ISO 20022 pain.008 message used to initiate direct debit collections from debtor bank accounts.
What is the difference between SDD Core and SDD B2B?
SDD Core is used for consumer direct debits with an 8-week refund right. SDD B2B has no refund right and requires explicit mandate confirmation by the debtor's bank.
Can I import mandates from Excel?
Yes. Upload a CSV or paste from Excel. The mapping assistant automatically matches columns to debtor name, IBAN, BIC, mandate ID (RUM), signature date and amount.
Generate your SDD XML files now
Start free with 2 mandates per file — no credit card required.