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Excel or CSV to SEPA XML (bulk payment file)
Turn a payment list into a SEPA XML file your bank accepts: transfers (pain.001) or direct debits (pain.008). Free, instant, no sign-up.
Use our template: payments (transfer) · direct debit. Column names in English, German, French, Dutch or Spanish are recognised (name / Empfänger, IBAN, amount / Betrag, reference / Verwendungszweck).
- Download our ready template (link above), open it in Excel and fill one row per payment: name, IBAN, amount, reference.
- Press Select file and pick your filled list.
- Fill in your own name and IBAN (the account the money goes from).
- Press Make SEPA file, download it and upload it in your online banking (look for “file upload” or “bulk payment”).
💡 Simple guide · no technical skills needed
When do I need this?
You pay many people at once (salaries, suppliers) or collect money from many customers, and your bank wants one upload file instead of typing each payment.
Good to know
- Leave “Format” on the recommended new version unless your bank asks for the old one.
Words explained
- Excel
- A spreadsheet program (tables with rows and columns). Google Sheets and LibreOffice open the same files.
- CSV
- A very simple table file. Excel and Google Sheets open it.
- SEPA XML
- A file with many payments in it that you upload to your online bank instead of typing each payment.
- pain.001
- The official name of a SEPA file for sending payments.
- pain.008
- The official name of a SEPA file for collecting money by direct debit.
- direct debit
- You take the money from your customer's account, with their written permission (Lastschrift).
- IBAN
- Your bank account number in the international format, e.g. DE89 3704 0044 0532 0130 00.
- SEPA
- The system for euro bank transfers between European countries.
Stuck? Press Help in the bottom corner and write your question in any language. You get an answer in seconds, or a real person answers you.
Need this every day? Do it from your own app or script with the SEPA XML Generator: 500 calls a month free, no card.
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