Spanish 'Cuaderno' formats (Norma 19, 34, 58)

Published on 2026-01-04 · Updated on 2026-05-17

Spanish ‘Cuaderno’ formats (Norma 19, 34, 58)

Spanish bank-file family for direct debits (19), credit transfers (34) and credit advances (58).

Flat ASCII file with 162 chars per line. Most Spanish banks still accept it although SEPA XML is preferred today.

See also

AEB

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Full SEPA glossary (alphabetical index)

Full SEPA glossary (alphabetical index)

Alphabetical SEPA glossary index with 49 terms.

Workflow rejection

Workflow rejection

Internal rejection before submitting the operation to the bank. Does not produce an R-message.

VOP (Verification of Payee)

VOP (Verification of Payee)

Mandatory SEPA service since October 2025 that checks the beneficiary name matches the IBAN.

UMR (Unique Mandate Reference)

UMR (Unique Mandate Reference)

Unique reference identifying a SEPA mandate within the creditor's organisation.

TPP (Third Party Provider)

TPP (Third Party Provider)

Authorised third party allowed to access accounts or initiate payments under PSD2.

SWIFT code

SWIFT code

Synonym of BIC; identifier standardised on the SWIFT network (ISO 9362).