How to create SEPA XML files from CSV or Excel
A practical step-by-step workflow for creating a pain.001 SEPA Credit Transfer XML file from CSV, XLS, or XLSX payment data — including validation and testing with your bank.
Guides
SEPA XML guides.
Practical, vendor-neutral explanations of SEPA Credit Transfer XML: pain.001 versions, validation, and how to prepare payment files from CSV and Excel exports.
Guides
pain.001.001.02 vs pain.001.001.09: which SEPA XML version should you use?
A practical comparison of the pain.001.001.02 and pain.001.001.09 SEPA Credit Transfer XML versions: what changed, structured addresses, and how to choose the right version for your bank.
SEPA structured addresses: what changes on 15 November 2026?
From 15 November 2026, unstructured addresses are no longer permitted in SEPA payment files. What the EPC deadline means for pain.001, pain.008, and your CSV or Excel data — and how to prepare.
Common SEPA XML rejection errors and fixes
Why banks reject pain.001 SEPA Credit Transfer files: invalid IBANs, malformed amounts, wrong message version, missing fields, execution date and remittance issues — and how to catch them before upload.
Tools and workflows
Where SEPA Generator fits each way of working — start from the page that matches your input or your task.
pain.001 Generator
Generating pain.001.001.02, pain.001.001.03 or pain.001.001.09 Credit Transfer XML, and choosing the message version your bank's channel expects.
CSV to SEPA XML
Turning recurring CSV exports from accounting, ERP, or payroll systems into SEPA XML, by hand or as a scripted routine.
Excel to SEPA XML
Working from an XLS or XLSX payment sheet your team maintains directly, using the built-in Excel input templates.
SEPA Direct Debit XML Generator
Preparing pain.008.001.08 collections for the Core and B2B schemes from CSV or Excel, with mandate references and sequence types. A Pro capability.
SEPA XML Validation
How Community checks your data during generation, and how Pro adds XSD validation and validation of existing SEPA XML files.
Example Validation Report
A real SEPA Generator Pro report, generated from a synthetic pain.008 file, with every finding explained by row, field and validation layer.
Ready to generate a SEPA file?
The Community Edition creates pain.001 SEPA Credit Transfer XML from CSV, XLS, and XLSX files, locally on your computer. Need Direct Debit, XSD validation, or detailed reports? Explore SEPA Generator Pro.