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Excel to SEPA XML — create a pain.001 payment file from a spreadsheet
Copy your payment list from Excel, paste it, and download a SEPA credit transfer file (pain.001) that has been checked row by row — IBANs, amounts, characters and lengths. Nothing is uploaded.
SafeCAMT also checks pain.001 files you already have, and reads the bank’s pain.002 answer.
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How to create a SEPA XML file from Excel
- Keep your payments in Excel with one row per payment — at least name, IBAN and amount.
- Open the builder in SafeCAMT (＋ Build pain.001 from a spreadsheet), copy the rows in Excel and paste them, or open a .csv file. The columns are recognised from their headers in English, German, French, Dutch, Spanish and Italian.
- Enter your own account (debtor name, IBAN, BIC) and the execution date, choose pain.001.001.09 or the older pain.001.001.03 your bank may still ask for.
- Fix what the row checks flag, then download the XML and upload it to your online banking.
Free for files with up to 10 payments. Pro ($19 one-time, no subscription) builds files of any size.
Columns the builder understands
| Column | Notes |
|---|---|
| Name | creditor name (required) |
| IBAN | creditor IBAN (required, mod-97 checked) |
| Amount | e.g. 1234.56 or 1.234,56 (required) |
| BIC | optional — SEPA payments within the EEA do not need it |
| Currency | optional, EUR by default; other currencies get their own batch |
| Reference / purpose | free text up to 140 characters, or an RF creditor reference |
| End-to-end ID | optional, generated if missing |
| Country, Town, Post code, Street | creditor address; town and country are needed for payments outside the EEA |
What is checked before the file is built
- IBAN length per country and check digits (mod-97), BIC format, amounts (two decimals, SEPA maximum), RF creditor references.
- Text in the SEPA character set (umlauts and symbols are converted — see the SEPA character converter), field lengths, duplicate end-to-end IDs.
- Town and country for creditors outside the EEA.
The pain.001.001.09 output was validated against the official ISO 20022 XSD, and every file is re-checked by SafeCAMT's own pain.001 validator before you download it. Your bank's implementation guide still has the last word — upload a small test file first.
FAQ
How do I convert Excel to a SEPA XML file?
Copy the payment rows from Excel into SafeCAMT’s pain.001 builder, add your own account and the execution date, fix any flagged rows and download the pain.001 XML for your online banking.
Which pain.001 version should I choose?
pain.001.001.09 is the current version; some banks still require pain.001.001.03. Check your bank’s SEPA documentation.
Do I need the BIC?
Not for SEPA payments within the EEA; the IBAN is enough. Fill it in if your bank asks for it.
Is my payment list uploaded?
No. The builder runs in your browser; the data never leaves your computer.
Last updated 2026-11-14. Something wrong or missing? Email support@biteapps.cc.