SEPA XML Generator
Turn your payment data into ISO 20022 compliant SEPA XML files. Import from Excel or CSV, validate IBAN and BIC automatically, and download bank-ready pain.001 and pain.008 files.
How to generate a SEPA XML file
Import your data
Paste from Excel or upload a CSV file containing your beneficiaries, IBANs and amounts.
Automatic validation
The generator checks every IBAN, BIC and amount, then validates the file against the official XSD schema.
Download the XML
Get a compliant pain.001 or pain.008 file ready to submit to your bank.
Why use our SEPA XML generator
Guaranteed ISO 20022 compliance
Every file is validated against official XSD schemas and standard banking business rules.
No data stored
Your IBANs, BICs and amounts are processed in memory only. Nothing is retained after download.
Excel and CSV import
Import your accounting exports directly without manual re-entry thanks to the mapping assistant.
Transfers and direct debits
Generate both pain.001 (credit transfers) and pain.008 (direct debits) from a single interface.
SEPA XML generator FAQ
What is a SEPA XML file?
A SEPA XML file is an ISO 20022 formatted document used to send credit transfer (pain.001) or direct debit (pain.008) instructions to your bank. It follows a standardised XSD schema to ensure interoperability between financial institutions.
Is the generated file accepted by all banks?
Yes. Files comply with the official ISO 20022 XSD schemas used by banks across the SEPA zone. The generator also applies common business rules to prevent rejections.
Can I generate a SEPA XML file from Excel?
Absolutely. Paste your data from Excel or upload a CSV. The mapping assistant automatically matches columns to required fields (IBAN, BIC, amount, reference).
Is my banking data safe?
Yes. Data is processed in memory in your browser only. No IBAN, BIC or amount is stored on our servers after the file is generated.
Ready to generate your SEPA XML files?
Start free with 2 rows per file — no credit card required.