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Home › SEPA XML Examples
SEPA XML File Examples
pain.001, pain.008 and camt.053
Download sample SEPA XML files compliant with the ISO 20022 standard, ready to use to test your integration, understand the structure expected by banks, or validate your own generator.
ISO 20022 XML file examples (pain.001, pain.008, camt.053)
Three ready-to-use files, ISO 20022 compliant, to understand the expected structure or test your own system.
- pain.001 example (SEPA credit transfer) — SEPA credit transfer order, 2 transactions, valid IBAN/BIC.
- pain.008 example (SEPA direct debit) — SEPA CORE direct debit order, with mandate and references.
- camt.053 example (account statement) — ISO 20022 bank account statement, with opening/closing balances and entries.
To automatically check the structure of one of these files (or your own), use our SEPA XML validator.
pain.001 vs pain.008: what's the difference in the XML?
Both formats share the ISO 20022 structure but differ in payment purpose and required data.
| pain.001 (credit transfer) | pain.008 (direct debit) | |
|---|---|---|
| Purpose | SEPA credit transfer | SEPA direct debit |
| XML root element | CstmrCdtTrfInitn |
CstmrDrctDbtInitn |
| Transaction block | CdtTrfTxInf |
DrctDbtTxInf |
| Specific data required | Beneficiary BIC and IBAN | SDD mandate (RUM) and creditor ICS |
Frequently asked questions
Where can I find free SEPA XML file examples?
You can download three ISO 20022 compliant SEPA XML examples above: a pain.001 (credit transfer), a pain.008 (direct debit) and a camt.053 (account statement).
Are these XML file examples compliant with the ISO 20022 standard?
Yes. Each example follows the ISO 20022 structure (header, NbOfTxs, CtrlSum, IBAN, BIC) and can be analyzed by our SEPA XML validator to check its compliance.
Can I use these files to test my own system or generator?
Yes, these files are free to use for this purpose: importing into a test environment, comparing structure, or checking your own SEPA XML parser.
What is the difference between a pain.001 file and a pain.008 file?
pain.001 initiates a SEPA credit transfer (the sender pays a beneficiary), while pain.008 initiates a SEPA direct debit (the sender collects a payment from a debtor, based on an SDD mandate).
How do I generate my own SEPA XML file from my data?
Download one of our Excel or CSV templates, fill it in with your credit transfer or direct debit data, then import it into EasyBankFlow to generate a compliant SEPA XML file in seconds.
Generate your own SEPA XML files with EasyBankFlow
Move from examples to your own files: create your free account and convert your Excel/CSV credit transfers or direct debits into compliant SEPA XML.
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