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SEPA XML Guide
Everything about CSV to SEPA XML conversion and banking compatibility
Our generator automatically handles IBAN validation, amount formatting according to the ISO 20022 standard, and generates the unique transaction references required by European banks. You can also find the BIC from a French IBAN with our IbanMatch tool.
What is a SEPA XML generator?
A SEPA XML generator is a tool that automatically converts your credit transfer or direct debit data (CSV/Excel format) into XML files compliant with the European SEPA (Single Euro Payments Area) banking standards. Our converter guarantees compatibility with all European banks. Learn more about our online SEPA credit transfer software.
How does CSV to SEPA XML conversion work?
Our SEPA banking tool analyses your CSV file, validates the IBANs and BICs, formats the amounts according to the ISO 20022 standard, then generates a SEPA XML file ready to import into your bank. The process is fully automated and secure.
Which banks accept the generated SEPA XML files?
All SEPA XML files created with our generator are compatible with all European banks: Crédit Agricole, BNP Paribas, Société Générale, LCL, Crédit Mutuel, Banque Populaire, Caisse d'Épargne, and all other banking institutions complying with SEPA standards.
Is SEPA XML file generation secure?
Yes, our CSV to SEPA XML converter processes all your financial data locally in your browser. No banking information is transmitted to or stored on our servers. We are GDPR compliant and ISO 27001 certified to guarantee maximum security for your data.