# SEPA Generator

> The easiest way to generate a SEPA XML file from an Excel/CSV or API call

Help center: https://www.generatesepa.com/help

## Banks in Germany

- [Banks in Germany and SEPA: full comparison](https://www.generatesepa.com/help/german-banks-comparison): Comparison table with BIC, BLZ (Bankleitzahl), cut-off and accepted formats for the 8 most relevant banks in Germany.
- [SEPA at Sparkassen (red) (Germany): how to upload your file (HELADEFF)](https://www.generatesepa.com/help/bank-sparkassen-germany): How to submit a SEPA XML file to Sparkassen (red) (Germany, BIC HELADEFF): accepted formats, cut-offs and quirks.
- [SEPA at Postbank (Germany): how to upload your file (PBNKDEFF)](https://www.generatesepa.com/help/bank-postbank-germany): How to submit a SEPA XML file to Postbank (Germany, BIC PBNKDEFF): accepted formats, cut-offs and quirks.
- [SEPA at N26 (Germany): how to upload your file (NTSBDEB1)](https://www.generatesepa.com/help/bank-n26-germany): How to submit a SEPA XML file to N26 (Germany, BIC NTSBDEB1): accepted formats, cut-offs and quirks.
- [SEPA at ING (Alemania, ex-DiBa) (Germany): how to upload your file (INGDDEFF)](https://www.generatesepa.com/help/bank-ing-diba-germany): How to submit a SEPA XML file to ING (Alemania, ex-DiBa) (Germany, BIC INGDDEFF): accepted formats, cut-offs and quirks.
- [SEPA at DZ Bank (Volksbanken) (Germany): how to upload your file (GENODEFF)](https://www.generatesepa.com/help/bank-dz-bank-germany): How to submit a SEPA XML file to DZ Bank (Volksbanken) (Germany, BIC GENODEFF): accepted formats, cut-offs and quirks.
- [SEPA at DKB (Deutsche Kreditbank) (Germany): how to upload your file (BYLADEM1001)](https://www.generatesepa.com/help/bank-dkb-germany): How to submit a SEPA XML file to DKB (Deutsche Kreditbank) (Germany, BIC BYLADEM1001): accepted formats, cut-offs and quirks.
- [SEPA at Deutsche Bank (Germany): how to upload your file (DEUTDEFF)](https://www.generatesepa.com/help/bank-deutsche-bank-germany): How to submit a SEPA XML file to Deutsche Bank (Germany, BIC DEUTDEFF): accepted formats, cut-offs and quirks.
- [SEPA at Commerzbank (Germany): how to upload your file (COBADEFF)](https://www.generatesepa.com/help/bank-commerzbank-germany): How to submit a SEPA XML file to Commerzbank (Germany, BIC COBADEFF): accepted formats, cut-offs and quirks.

## Banks in Spain

- [Spanish banks and SEPA: full comparison](https://www.generatesepa.com/help/spanish-banks-comparison): Comparison table with BIC, AEB code, cut-off and accepted formats for the 13 most relevant Spanish banks.
- [SEPA in Unicaja Banco: how to upload your file (UCJAES2M)](https://www.generatesepa.com/help/bank-unicaja): How to submit a SEPA XML file to Unicaja Banco (BIC UCJAES2M, AEB code 2103): accepted formats, cut-offs and quirks.
- [SEPA in Santander: how to upload your file (BSCHESMM)](https://www.generatesepa.com/help/bank-santander): How to submit a SEPA XML file to Santander (BIC BSCHESMM, AEB code 0049): accepted formats, cut-offs and quirks.
- [SEPA in Banco Sabadell: how to upload your file (BSABESBB)](https://www.generatesepa.com/help/bank-sabadell): How to submit a SEPA XML file to Banco Sabadell (BIC BSABESBB, AEB code 0081): accepted formats, cut-offs and quirks.
- [SEPA in Openbank: how to upload your file (OPENESMM)](https://www.generatesepa.com/help/bank-openbank): How to submit a SEPA XML file to Openbank (BIC OPENESMM, AEB code 0073): accepted formats, cut-offs and quirks.
- [SEPA in Kutxabank: how to upload your file (CGLKES2M)](https://www.generatesepa.com/help/bank-kutxabank): How to submit a SEPA XML file to Kutxabank (BIC CGLKES2M, AEB code 2095): accepted formats, cut-offs and quirks.
- [SEPA in ING España: how to upload your file (INGDESMM)](https://www.generatesepa.com/help/bank-ing): How to submit a SEPA XML file to ING España (BIC INGDESMM, AEB code 1465): accepted formats, cut-offs and quirks.
- [SEPA in Imagin: how to upload your file (CAIXESBBXXX)](https://www.generatesepa.com/help/bank-imagin): How to submit a SEPA XML file to Imagin (BIC CAIXESBBXXX, AEB code 2100): accepted formats, cut-offs and quirks.
- [SEPA in Cajamar: how to upload your file (CCRIES2A)](https://www.generatesepa.com/help/bank-cajamar): How to submit a SEPA XML file to Cajamar (BIC CCRIES2A, AEB code 3058): accepted formats, cut-offs and quirks.
- [SEPA in CaixaBank: how to upload your file (CAIXESBB)](https://www.generatesepa.com/help/bank-caixabank): How to submit a SEPA XML file to CaixaBank (BIC CAIXESBB, AEB code 2100): accepted formats, cut-offs and quirks.
- [SEPA in BBVA: how to upload your file (BBVAESMM)](https://www.generatesepa.com/help/bank-bbva): How to submit a SEPA XML file to BBVA (BIC BBVAESMM, AEB code 0182): accepted formats, cut-offs and quirks.
- [SEPA in Bankinter: how to upload your file (BKBKESMM)](https://www.generatesepa.com/help/bank-bankinter): How to submit a SEPA XML file to Bankinter (BIC BKBKESMM, AEB code 0128): accepted formats, cut-offs and quirks.
- [SEPA in Banca March: how to upload your file (BMARES2M)](https://www.generatesepa.com/help/bank-banca-march): How to submit a SEPA XML file to Banca March (BIC BMARES2M, AEB code 0061): accepted formats, cut-offs and quirks.
- [SEPA in Abanca: how to upload your file (CAGLESMM)](https://www.generatesepa.com/help/bank-abanca): How to submit a SEPA XML file to Abanca (BIC CAGLESMM, AEB code 2080): accepted formats, cut-offs and quirks.

## Banks in France

- [Banks in France and SEPA: full comparison](https://www.generatesepa.com/help/french-banks-comparison): Comparison table with BIC, Code banque, cut-off and accepted formats for the 8 most relevant banks in France.
- [SEPA at Societe Generale (France): how to upload your file (SOGEFRPP)](https://www.generatesepa.com/help/bank-societe-generale-france): How to submit a SEPA XML file to Societe Generale (France, BIC SOGEFRPP): accepted formats, cut-offs and quirks.
- [SEPA at LCL (France): how to upload your file (CRLYFRPP)](https://www.generatesepa.com/help/bank-lcl-france): How to submit a SEPA XML file to LCL (France, BIC CRLYFRPP): accepted formats, cut-offs and quirks.
- [SEPA at La Banque Postale (France): how to upload your file (PSSTFRPP)](https://www.generatesepa.com/help/bank-la-banque-postale-france): How to submit a SEPA XML file to La Banque Postale (France, BIC PSSTFRPP): accepted formats, cut-offs and quirks.
- [SEPA at Credit Mutuel (France): how to upload your file (CMCIFRPP)](https://www.generatesepa.com/help/bank-credit-mutuel-france): How to submit a SEPA XML file to Credit Mutuel (France, BIC CMCIFRPP): accepted formats, cut-offs and quirks.
- [SEPA at Credit Agricole (France): how to upload your file (AGRIFRPP)](https://www.generatesepa.com/help/bank-credit-agricole-france): How to submit a SEPA XML file to Credit Agricole (France, BIC AGRIFRPP): accepted formats, cut-offs and quirks.
- [SEPA at Boursorama Banque (France): how to upload your file (BOUSFRPP)](https://www.generatesepa.com/help/bank-boursorama-france): How to submit a SEPA XML file to Boursorama Banque (France, BIC BOUSFRPP): accepted formats, cut-offs and quirks.
- [SEPA at BNP Paribas (France): how to upload your file (BNPAFRPP)](https://www.generatesepa.com/help/bank-bnp-paribas-france): How to submit a SEPA XML file to BNP Paribas (France, BIC BNPAFRPP): accepted formats, cut-offs and quirks.
- [SEPA at Banque Populaire (France): how to upload your file (CCBPFRPP)](https://www.generatesepa.com/help/bank-banque-populaire-france): How to submit a SEPA XML file to Banque Populaire (France, BIC CCBPFRPP): accepted formats, cut-offs and quirks.

## Banks in the UK

- [Banks in the UK and SEPA: full comparison](https://www.generatesepa.com/help/uk-banks-comparison): Comparison table with BIC, Sort code, cut-off and accepted formats for the 8 most relevant banks in the UK.
- [SEPA at Starling Bank (the UK): how to upload your file (SRLGGB3L)](https://www.generatesepa.com/help/bank-starling-uk): How to submit a SEPA XML file to Starling Bank (the UK, BIC SRLGGB3L): accepted formats, cut-offs and quirks.
- [SEPA at Santander UK (the UK): how to upload your file (ABBYGB2L)](https://www.generatesepa.com/help/bank-santander-uk): How to submit a SEPA XML file to Santander UK (the UK, BIC ABBYGB2L): accepted formats, cut-offs and quirks.
- [SEPA at Revolut Business (the UK): how to upload your file (REVOGB21)](https://www.generatesepa.com/help/bank-revolut-uk): How to submit a SEPA XML file to Revolut Business (the UK, BIC REVOGB21): accepted formats, cut-offs and quirks.
- [SEPA at NatWest (the UK): how to upload your file (NWBKGB2L)](https://www.generatesepa.com/help/bank-natwest-uk): How to submit a SEPA XML file to NatWest (the UK, BIC NWBKGB2L): accepted formats, cut-offs and quirks.
- [SEPA at Monzo Business (the UK): how to upload your file (MONZGB2L)](https://www.generatesepa.com/help/bank-monzo-uk): How to submit a SEPA XML file to Monzo Business (the UK, BIC MONZGB2L): accepted formats, cut-offs and quirks.
- [SEPA at Lloyds Bank (the UK): how to upload your file (LOYDGB2L)](https://www.generatesepa.com/help/bank-lloyds-uk): How to submit a SEPA XML file to Lloyds Bank (the UK, BIC LOYDGB2L): accepted formats, cut-offs and quirks.
- [SEPA at HSBC UK (the UK): how to upload your file (HBUKGB4B)](https://www.generatesepa.com/help/bank-hsbc-uk): How to submit a SEPA XML file to HSBC UK (the UK, BIC HBUKGB4B): accepted formats, cut-offs and quirks.
- [SEPA at Barclays (the UK): how to upload your file (BARCGB22)](https://www.generatesepa.com/help/bank-barclays-uk): How to submit a SEPA XML file to Barclays (the UK, BIC BARCGB22): accepted formats, cut-offs and quirks.

## Use cases

- [SEPA for sports clubs and associations](https://www.generatesepa.com/help/sepa-for-sports-clubs-associations): Direct-debit your sports club or association memberships with SEPA: onboarding, digital mandates and automated monthly billing.
- [SEPA for SaaS, subscriptions and memberships](https://www.generatesepa.com/help/sepa-for-saas-subscriptions-memberships): Charge SaaS or membership subscriptions via SEPA: a card alternative with very high success rate and low fees.
- [SEPA for payroll: pay your team with one file](https://www.generatesepa.com/help/sepa-for-payroll-employees): How to issue bulk payroll via SEPA pain.001 starting from your payroll software or Norma 34.
- [SEPA for lawyers and consultancies](https://www.generatesepa.com/help/sepa-for-lawyers-consultancies): Direct-debit monthly retainers for law firms or consultancies with SEPA: B2B mandates and CORE for individuals.
- [SEPA for housing associations: effortless community fees](https://www.generatesepa.com/help/sepa-for-housing-associations): How to issue monthly community fees with SEPA: mandates, receipts, returns and administration.
- [SEPA for clinics and medical fees](https://www.generatesepa.com/help/sepa-for-clinics-medical-fees): Charge consultations, treatments and medical packs with SEPA: per-patient traceability and integration with your clinic software.
- [SEPA for academies and schools: automated tuition](https://www.generatesepa.com/help/sepa-for-academies-schools): How to automate student tuition with SEPA: issuing, returns, delays and cancellation policies.
- [SEPA for bulk supplier payments](https://www.generatesepa.com/help/sepa-bulk-supplier-payments): Pay every supplier in a single SEPA pain.001 file from your ERP. Faster accounting reconciliation.

## How-to guides

- [SEPA HowTo guides: full index](https://www.generatesepa.com/help/sepa-how-to-guides): Index of all SEPA HowTo guides: Norma 19/34/58 conversion, first batch, payroll, Zapier/Make/n8n automation and API.
- [How to issue payroll with SEPA (Norma 34)](https://www.generatesepa.com/help/how-to-issue-payroll-with-sepa-norma-34): How to prepare and submit payroll via SEPA pain.001 credit transfers starting from Norma 34 or CSV.
- [How to integrate the SEPA API in Python](https://www.generatesepa.com/help/how-to-integrate-the-sepa-api-in-python): Step-by-step examples to call GenerateSEPA's API from Python and produce pain.001/pain.008.
- [How to integrate the SEPA API in PHP](https://www.generatesepa.com/help/how-to-integrate-the-sepa-api-in-php): Call the GenerateSEPA API from PHP with cURL or Guzzle and generate pain.008 files from your backend.
- [How to integrate the SEPA API in Node.js](https://www.generatesepa.com/help/how-to-integrate-the-sepa-api-in-node): How to consume the GenerateSEPA API from Node.js with `fetch` or `axios`, step by step.
- [How to create your first SEPA batch: the 2026 definitive guide](https://www.generatesepa.com/help/how-to-create-your-first-sepa-batch): Complete guide to create, validate and submit your first SEPA batch: CID, mandates, XML format, bank upload and troubleshooting.
- [How to convert Norma 58 to SEPA XML](https://www.generatesepa.com/help/how-to-convert-norma-58-to-sepa-xml): Convert your Norma 58 (credit advance) file to compatible SEPA XML and send it to your bank.
- [How to convert Norma 34 to SEPA XML](https://www.generatesepa.com/help/how-to-convert-norma-34-to-sepa-xml): Convert your Norma 34 (credit transfers) file to SEPA XML pain.001 ready for your bank.
- [How to convert Norma 34.14 to SEPA XML](https://www.generatesepa.com/help/how-to-convert-norma-34-14-to-sepa-xml): Convert the 34.14 variant (detailed credit transfers) to pain.001 keeping the end-to-end ID.
- [How to convert Norma 19 to SEPA XML](https://www.generatesepa.com/help/how-to-convert-norma-19-to-sepa-xml): Steps to convert a Spanish Norma 19 (direct debits) file to SEPA XML pain.008 and submit it to your bank flawlessly.
- [How to convert Norma 19.44 to SEPA XML](https://www.generatesepa.com/help/how-to-convert-norma-19-44-to-sepa-xml): Steps to convert a Norma 19.44 (B2B) file to SEPA XML pain.008 B2B and keep the mandate signature date.
- [How to convert Norma 19.14 to SEPA XML](https://www.generatesepa.com/help/how-to-convert-norma-19-14-to-sepa-xml): Convert a Norma 19.14 file (AEB's cuaderno 19 variant) to pain.008.001.02 without losing mandates.
- [How to automate SEPA with Zapier](https://www.generatesepa.com/help/how-to-automate-sepa-with-zapier): Wire GenerateSEPA with your apps (Stripe, HubSpot, Airtable) using Zapier and generate SEPA files automatically.
- [How to automate SEPA with n8n](https://www.generatesepa.com/help/how-to-automate-sepa-with-n8n): Build an n8n workflow that detects overdue invoices in your DB and generates the monthly SEPA file with zero manual work.
- [How to automate SEPA with Make (Integromat)](https://www.generatesepa.com/help/how-to-automate-sepa-with-make): Design a Make flow that pulls collections from your CRM and generates a monthly SEPA XML automatically.

## Comparisons

- [Stripe vs direct SEPA collection: when each one is worth it](https://www.generatesepa.com/help/stripe-vs-direct-sepa-collection): Compare Stripe (with its SEPA Direct Debit product) versus SEPA collection directly via your bank. Fees, control and timing.
- [SEPA Direct Debit vs Card: which one for recurring payments](https://www.generatesepa.com/help/sepa-direct-debit-vs-card): Compare fees, success rate, returns and customer experience between SEPA direct debits and card payments.
- [SEPA DD vs Bizum vs Card: which method to choose](https://www.generatesepa.com/help/sepa-dd-vs-bizum-vs-card): Comparison of the three most-used payment methods in Spain (SEPA DD, Bizum and card) by ticket size, recurrence and volume.
- [SEPA CORE vs SEPA B2B: practical differences](https://www.generatesepa.com/help/sepa-core-vs-b2b): What changes between CORE (consumer) and B2B (business) schemes: timing, returns and mandates.
- [SCT vs SCT Inst: when to use instant credit transfers](https://www.generatesepa.com/help/sct-vs-sct-inst): Differences between traditional SEPA credit transfer and SEPA Instant: timing, amounts, fees and coverage.
- [GoCardless vs GenerateSEPA: which one to pick](https://www.generatesepa.com/help/gocardless-vs-generatesepa): Comparison between GoCardless (all-in-one) and GenerateSEPA (you generate the file and upload it yourself).

## Converting files

- [What file types does GenerateSEPA produce](https://www.generatesepa.com/help/what-types-of-files-does-the-application-generate): GenerateSEPA produces pain.001 (SCT), pain.008 (SDD), back-compatible Norma 19 and a PDF summary. Learn the versions and uses.
- [What is a Norma 58 file? Spanish commercial credit advances](https://www.generatesepa.com/help/what-is-a-norma-58-file): Norma 58 (AEB 58) is the Spanish bank format for advancing commercial credit. Learn its structure and SEPA equivalents.
- [What is a Norma 34 file? Structure and SEPA XML conversion](https://www.generatesepa.com/help/what-is-a-norma-34-file): Norma 34 (AEB 34) is the legacy Spanish format for batch credit transfers. Learn its structure and how to migrate to SEPA XML pain.001.
- [What is a Norma 19 file? Structure and SEPA XML conversion](https://www.generatesepa.com/help/what-is-a-norma-19-file): Norma 19 (AEB 19) is the legacy Spanish bank format for direct debits. Learn its structure and how to convert it to SEPA XML.
- [Which file formats can I upload to GenerateSEPA?](https://www.generatesepa.com/help/what-file-formats-can-i-upload-to-convert): GenerateSEPA accepts CSV, Excel (xlsx/xls), Norma 19, Norma 34 and Norma 58. See templates and requirements per format.
- [What data should your transfers CSV contain](https://www.generatesepa.com/help/what-data-should-contain-my-csv-file-for-transfers): Your SEPA transfers CSV must carry name, IBAN, amount and concept. See the mandatory and optional columns, plus a template.
- [What data should your SEPA direct debits CSV contain](https://www.generatesepa.com/help/what-data-should-contain-my-csv-file-for-sepa-direct-debits): Your SEPA direct debits CSV must carry name, IBAN, amount, concept, mandate reference and signature date. Includes template.
- [How to convert an Excel file to CSV in 3 steps](https://www.generatesepa.com/help/how-to-convert-excel-to-csv): Learn how to save an Excel file as CSV in Microsoft Excel, Numbers, LibreOffice and Google Sheets without losing data or accents.
- [Convert CSV transfers to SEPA XML file](https://www.generatesepa.com/help/convert-csv-transfers-to-sepa-xml-file): Convert CSV transfers to SEPA XML file
- [Can SEPA Instant credit transfer XML files be generated?](https://www.generatesepa.com/help/can-instant-sepa-transfer-xml-be-generated): Yes. GenerateSEPA emits pain.001 files tagged as SCT Inst for instant SEPA transfers. Learn how and the limits.

## SEPA errors (R-messages)

- [SEPA R-messages: full index of return codes](https://www.generatesepa.com/help/sepa-r-messages-index): Index of the 25 most common SEPA R-messages and their meaning, grouped by family (AC, AG, AM, MD, RR, TM…).
- [R-message TM01: Cut-off times not met](https://www.generatesepa.com/help/r-message-tm01): Meaning of SEPA code TM01 (Cut-off times not met), when it appears and how to fix it. With XML example.
- [R-message RR04: Unclassified regulatory reason](https://www.generatesepa.com/help/r-message-rr04): Meaning of SEPA code RR04 (Unclassified regulatory reason), when it appears and how to fix it. With XML example.
- [R-message RR03: Creditor Identifier incorrect](https://www.generatesepa.com/help/r-message-rr03): Meaning of SEPA code RR03 (Creditor Identifier incorrect), when it appears and how to fix it. With XML example.
- [R-message RR02: Regulated debtor identity](https://www.generatesepa.com/help/r-message-rr02): Meaning of SEPA code RR02 (Regulated debtor identity), when it appears and how to fix it. With XML example.
- [R-message RR01: Regulated creditor identity / not permitted](https://www.generatesepa.com/help/r-message-rr01): Meaning of SEPA code RR01 (Regulated creditor identity / not permitted), when it appears and how to fix it. With XML example.
- [R-message RC01: Debtor bank BIC invalid](https://www.generatesepa.com/help/r-message-rc01): Meaning of SEPA code RC01 (Debtor bank BIC invalid), when it appears and how to fix it. With XML example.
- [R-message MS03: Reason not specified](https://www.generatesepa.com/help/r-message-ms03): Meaning of SEPA code MS03 (Reason not specified), when it appears and how to fix it. With XML example.
- [R-message MS02: Operation refused by the debtor (explicit order)](https://www.generatesepa.com/help/r-message-ms02): Meaning of SEPA code MS02 (Operation refused by the debtor (explicit order)), when it appears and how to fix it. With XML example.
- [R-message MD08: Wrong creditor data](https://www.generatesepa.com/help/r-message-md08): Meaning of SEPA code MD08 (Wrong creditor data), when it appears and how to fix it. With XML example.
- [R-message MD07: Deceased debtor](https://www.generatesepa.com/help/r-message-md07): Meaning of SEPA code MD07 (Deceased debtor), when it appears and how to fix it. With XML example.
- [R-message MD06: Refund requested by the debtor](https://www.generatesepa.com/help/r-message-md06): Meaning of SEPA code MD06 (Refund requested by the debtor), when it appears and how to fix it. With XML example.
- [R-message MD02: Mandate information missing or incorrect](https://www.generatesepa.com/help/r-message-md02): Meaning of SEPA code MD02 (Mandate information missing or incorrect), when it appears and how to fix it. With XML example.
- [R-message MD01: No mandate](https://www.generatesepa.com/help/r-message-md01): Meaning of SEPA code MD01 (No mandate), when it appears and how to fix it. With XML example.
- [R-message FF01: Invalid operation or wrong format](https://www.generatesepa.com/help/r-message-ff01): Meaning of SEPA code FF01 (Invalid operation or wrong format), when it appears and how to fix it. With XML example.
- [R-message BE08: Missing or incorrect debtor name](https://www.generatesepa.com/help/r-message-be08): Meaning of SEPA code BE08 (Missing or incorrect debtor name), when it appears and how to fix it. With XML example.
- [R-message BE05: Creditor unknown to the debtor](https://www.generatesepa.com/help/r-message-be05): Meaning of SEPA code BE05 (Creditor unknown to the debtor), when it appears and how to fix it. With XML example.
- [R-message BE04: Wrong debtor address](https://www.generatesepa.com/help/r-message-be04): Meaning of SEPA code BE04 (Wrong debtor address), when it appears and how to fix it. With XML example.
- [R-message AM05: Duplicate collection](https://www.generatesepa.com/help/r-message-am05): Meaning of SEPA code AM05 (Duplicate collection), when it appears and how to fix it. With XML example.
- [R-message AM04: Insufficient funds](https://www.generatesepa.com/help/r-message-am04): Meaning of SEPA code AM04 (Insufficient funds), when it appears and how to fix it. With XML example.
- [R-message AG02: Operation not allowed on the account](https://www.generatesepa.com/help/r-message-ag02): Meaning of SEPA code AG02 (Operation not allowed on the account), when it appears and how to fix it. With XML example.
- [R-message AG01: Direct debit service not contracted](https://www.generatesepa.com/help/r-message-ag01): Meaning of SEPA code AG01 (Direct debit service not contracted), when it appears and how to fix it. With XML example.
- [R-message AC13: Account type invalid for B2B](https://www.generatesepa.com/help/r-message-ac13): Meaning of SEPA code AC13 (Account type invalid for B2B), when it appears and how to fix it. With XML example.
- [R-message AC06: Blocked account](https://www.generatesepa.com/help/r-message-ac06): Meaning of SEPA code AC06 (Blocked account), when it appears and how to fix it. With XML example.
- [R-message AC04: Closed account](https://www.generatesepa.com/help/r-message-ac04): Meaning of SEPA code AC04 (Closed account), when it appears and how to fix it. With XML example.
- [R-message AC01: Incorrect account number](https://www.generatesepa.com/help/r-message-ac01): Meaning of SEPA code AC01 (Incorrect account number), when it appears and how to fix it. With XML example.

## Billing

- [Where can I download invoices?](https://www.generatesepa.com/help/where-can-i-download-the-invoices): Find your invoices under My account → Subscription → Invoices. We generate them automatically as PDF on every charge.
- [When will I be charged?](https://www.generatesepa.com/help/when-will-i-be-charged): The first charge happens at activation. Subsequent charges occur on the same day of the month or year as activation.
- [What payment methods can I use?](https://www.generatesepa.com/help/what-payment-methods-can-i-use): We accept cards (Visa, Mastercard, American Express), SEPA Direct Debit and annual wire transfer for business plans.
- [Can I manage several companies with one account?](https://www.generatesepa.com/help/can-i-manage-more-than-one-company-with-one-account): Yes. One GenerateSEPA plan covers as many companies (VAT numbers) as you need. Each is an independent profile.
- [Can I cancel at any time?](https://www.generatesepa.com/help/can-i-cancel-anytime): Yes. GenerateSEPA has no lock-in. Cancel in one click and keep the service until the end of the current billing period.

## SEPA Glossary

- [Full SEPA glossary (alphabetical index)](https://www.generatesepa.com/help/sepa-glossary-index): Alphabetical SEPA glossary index with 49 terms and short definitions. Tap any entry for the full article.
- [Workflow rejection](https://www.generatesepa.com/help/glossary-workflow-rejection): Internal rejection before submitting the operation to the bank. Does not produce an R-message.
- [VOP (Verification of Payee)](https://www.generatesepa.com/help/glossary-vop): Mandatory SEPA service since October 2025 that checks the beneficiary name matches the IBAN.
- [UMR (Unique Mandate Reference)](https://www.generatesepa.com/help/glossary-umr): Set by the creditor on mandate creation. Must accompany every collection and remain stable for the mandate's life.
- [TPP (Third Party Provider)](https://www.generatesepa.com/help/glossary-tpp): Authorised third party allowed to access accounts or initiate payments under PSD2.
- [SWIFT code](https://www.generatesepa.com/help/glossary-swift): SWIFT Society for Worldwide Interbank Financial Telecommunication is the cooperative that standardised the BIC. In practice, BIC and SWIFT code refer to the same
- [SHA / OUR / BEN](https://www.generatesepa.com/help/glossary-sha-our-ben): SHA / OUR / BEN
- [Settlement date](https://www.generatesepa.com/help/glossary-settlement-date): Standard SCT typically D+1 business day; SCT Inst seconds; SDD set in advance based on sequence type.
- [SEPA Mandate](https://www.generatesepa.com/help/glossary-sepa-mandate): Written authorisation from the debtor to the creditor to issue SEPA direct debits.
- [SDD (SEPA Direct Debit)](https://www.generatesepa.com/help/glossary-sdd): The matching XML file is pain.008 . The creditor needs a CID and a mandate signed by the debtor.
- [SDD CORE vs B2B](https://www.generatesepa.com/help/glossary-sdd-core-vs-b2b): CORE is the standard SEPA direct debit (consumers and businesses); B2B is for inter-company collections with restricted refund rights.
- [SCT (SEPA Credit Transfer)](https://www.generatesepa.com/help/glossary-sct): Processes transfers in up to one business day. The matching XML file is pain.001 . Modern variant: SCT Inst instant .
- [SCT Inst (SEPA Instant)](https://www.generatesepa.com/help/glossary-sct-inst): Regulated cap: €100,000 per operation. Mandatory for euro-area banks since October 2025 EU Regulation 2024/886 .
- [Reversal](https://www.generatesepa.com/help/glossary-reversal): The creditor asks the sending bank to pull back the collection before it reaches the debtor's bank. Cancels the whole chain.
- [Return](https://www.generatesepa.com/help/glossary-return): Settled operation returned for technical reasons (closed account, deceased debtor, etc.).
- [Reject](https://www.generatesepa.com/help/glossary-reject): Issued by the debtor's bank or any intermediate node. Examples: invalid IBAN, closed account, pre-check insufficient funds.
- [Refund](https://www.generatesepa.com/help/glossary-refund): Window: 8 weeks unconditional, 13 months unauthorised. The creditor cannot reject it.
- [R-message (return message)](https://www.generatesepa.com/help/glossary-r-message): Includes Reject, Return, Refund, Reversal and Refusal. Each carries a reason code and specific deadlines.
- [PSU (Payment Service User)](https://www.generatesepa.com/help/glossary-psu): Concept from PSD2. When you order a transfer you are the PSU; your bank is the PSP.
- [PSP (Payment Service Provider)](https://www.generatesepa.com/help/glossary-psp): Broad category that includes PSU user , ASPSP account-servicing bank and TPP third-party providers .
- [SEPA pre-notification](https://www.generatesepa.com/help/glossary-pre-notification): Notice from the creditor to the debtor before a direct debit, stating date and amount.
- [Payment category (CategoryPurpose)](https://www.generatesepa.com/help/glossary-payment-category): ISO 20022 code that classifies the payment purpose (salary, supplier, dividend…).
- [pain.008](https://www.generatesepa.com/help/glossary-pain-008): Equivalent to pain.001 but for collections. Carries CID, UMR and debtor data.
- [pain.002](https://www.generatesepa.com/help/glossary-pain-002): The sending bank returns it with per-operation status codes: accepted, rejected and reason.
- [pain.001](https://www.generatesepa.com/help/glossary-pain-001): ISO 20022 schema for SEPA credit transfers. Most common version: pain.001.001.03.
- [ISO 20022](https://www.generatesepa.com/help/glossary-iso-20022): International financial messaging standard based on XML. The technical foundation of SEPA.
- [Iberpay](https://www.generatesepa.com/help/glossary-iberpay): Processes transfers and direct debits between Spanish banks, including the instant segment Bizum, OMF Inst .
- [IBAN](https://www.generatesepa.com/help/glossary-iban): International Bank Account Number — unique international identifier of a bank account (ISO 13616).
- [FRST / RCUR / OOFF / FNAL](https://www.generatesepa.com/help/glossary-frst-rcur-ooff-fnal): FRST / RCUR / OOFF / FNAL
- [EPC (European Payments Council)](https://www.generatesepa.com/help/glossary-epc): Publishes the SCT, SCT Inst, SDD CORE and SDD B2B rulebooks. Decides which countries join or leave SEPA.
- [End-to-End Identifier (E2E)](https://www.generatesepa.com/help/glossary-end-to-end-id): Unique identifier that travels with the operation end-to-end between creditor and debtor.
- [Electronic mandate (e-mandate)](https://www.generatesepa.com/help/glossary-e-mandate): Legally equivalent to a paper mandate provided you keep the signature log, document hash and signer identification.
- [Due date](https://www.generatesepa.com/help/glossary-due-date): Must respect D-5 business days for first CORE collection and D-2 business days for recurring D-1 from November 2025 .
- [Debtor (SEPA)](https://www.generatesepa.com/help/glossary-debtor): Individual or company that pays; in SEPA, the holder of the account being debited.
- [Cut-off](https://www.generatesepa.com/help/glossary-cut-off): Cut-off time after which the bank processes the operation on the next business day.
- [Spanish 'Cuaderno' formats (Norma 19, 34, 58)](https://www.generatesepa.com/help/glossary-cuaderno-19-34-58): Spanish bank-file family for direct debits (19), credit transfers (34) and credit advances (58).
- [CSM (Clearing and Settlement Mechanism)](https://www.generatesepa.com/help/glossary-csm): STEP2 EBA Clearing is the dominant SEPA CSM. TIPS ECB and RT1 EBA operate SCT Inst. In Spain, SNCE clears domestic operations.
- [Creditor (SEPA)](https://www.generatesepa.com/help/glossary-creditor): Individual or company entitled to collect a debt; in SEPA, the party issuing the direct debit.
- [Creditor suffix](https://www.generatesepa.com/help/glossary-creditor-suffix): Three optional characters within the CID to split business lines under the same VAT.
- [CID (Creditor Identifier)](https://www.generatesepa.com/help/glossary-cid): Spain uses 16 characters derived from the VAT: ES + 2 check digits + ZZZ + VAT.
- [CCC (Spanish legacy account code)](https://www.generatesepa.com/help/glossary-ccc): Structure: 4 bank + 4 branch + 2 check digits + 10 account. The Spanish IBAN is ES + 2 digits + CCC.
- [camt.054](https://www.generatesepa.com/help/glossary-camt-054): It is the modern detailed statement. You receive it to reconcile movements automatically.
- [Bizum](https://www.generatesepa.com/help/glossary-bizum): Settles in seconds via Iberpay but on its own mobile-phone-based network.
- [BIC8 vs BIC11](https://www.generatesepa.com/help/glossary-bic8-bic11): Both are valid in SEPA. When a system asks for a BIC11 but you only have a BIC8, pad with XXX .
- [BIC](https://www.generatesepa.com/help/glossary-bic): Bank Identifier Code — ISO 9362-standardised identifier that recognises a bank internationally.
- [ISO 9362](https://www.generatesepa.com/help/glossary-bic-iso-9362): Last revised in 2022. Modern version supports 8- or 11-character BICs and optional business identifiers.
- [BBAN](https://www.generatesepa.com/help/glossary-bban): Basic Bank Account Number — national format of a bank account, nested inside the IBAN.
- [SEPA batch](https://www.generatesepa.com/help/glossary-batch): A batch groups operations of the same type SCT or SDD , execution date and bank. Each bank defines its own per-batch maximum typically 5,000-10,000 .
- [ASPSP (Account-Servicing PSP)](https://www.generatesepa.com/help/glossary-aspsp): Under PSD2, ASPSPs must expose APIs for TPPs to access accounts with PSU consent.
- [AEB (Spanish Banking Association)](https://www.generatesepa.com/help/glossary-aeb): Spanish banking trade body publishing the legacy bank file formats (Norma 19, 34, 58, etc.).

## General information

- [What time do bank transfers arrive?](https://www.generatesepa.com/help/what-time-do-bank-transfers-arrive): Bank transfer timing depends on the type: SCT Inst in seconds 24/7; standard SCT same day or D+1 business day.
- [What is a SEPA direct debit mandate form?](https://www.generatesepa.com/help/what-is-a-sepa-direct-debit-mandate-form): The mandate form is the standardised SEPA mandate document. Learn what it must contain and download a template.
- [What is a creditor: meaning and examples](https://www.generatesepa.com/help/what-is-a-creditor-meaning-and-examples): A creditor has the right to collect a debt. Learn the term, its role in SEPA and the most common types of creditor.
- [What is a bank receipt: definition and uses](https://www.generatesepa.com/help/what-is-a-bank-receipt-definition-and-uses): A bank receipt proves a transaction took place. We cover what it must contain and what processes ask for it.
- [What are company profiles in GenerateSEPA?](https://www.generatesepa.com/help/what-are-company-profiles): Company profiles store the originator or creditor data so you don't re-enter it for every conversion. One profile per VAT + IBAN.
- [OMF transfer: what it is and how it works](https://www.generatesepa.com/help/omf-transfer-what-it-is-and-how-it-works): An OMF (Orden de Movimiento de Fondos) transfer is the Spanish bank format pre-SEPA. Today it underpins instant transfers via Iberpay.
- [How long does a bank transfer take](https://www.generatesepa.com/help/how-long-does-a-bank-transfer-take): Typical timing: SCT Inst in seconds, standard SCT same day or D+1, international SWIFT 1-3 business days.
- [How do I create and use company profiles?](https://www.generatesepa.com/help/how-do-i-create-and-use-company-profiles): Create and reuse a company profile in GenerateSEPA in under a minute. Steps, validations and tips for multiple VATs.
- [Can I delete a company profile?](https://www.generatesepa.com/help/can-i-delete-a-company-profile): Yes, you can delete a company profile in GenerateSEPA at any time. We explain what happens to your history and past conversions.
- [Can a bank transfer be cancelled?](https://www.generatesepa.com/help/can-a-bank-transfer-be-cancelled): You can only cancel a transfer before the bank processes it. After settlement you must request a recall through the sending bank.

## SEPA regulations

- [pain.008.001.02: required and optional fields](https://www.generatesepa.com/help/pain-008-001-02-required-fields): Full list of required and optional fields for pain.008 (SEPA direct debit) with examples.
- [pain.001.001.03 vs pain.001.001.09: which version to use](https://www.generatesepa.com/help/pain-001-001-03-vs-pain-001-001-09): Differences between pain.001 versions (SEPA credit transfers): what changes, which banks require the new version and the migration deadline.
- [ISO 20022 explained for businesses](https://www.generatesepa.com/help/iso-20022-explained-for-businesses): What ISO 20022 is, how it affects pain.001, pain.008 and camt.054 and why it matters to you.
- [GDPR and SEPA mandate retention: what to keep and for how long](https://www.generatesepa.com/help/gdpr-sepa-mandate-retention): Mandate retention obligations under GDPR and SEPA regulation: 14 months after last collection, format and traceability.
- [EU Regulation 260/2012: the legal foundation of SEPA](https://www.generatesepa.com/help/eu-regulation-260-2012-sepa): Practical summary of EU Regulation 260/2012 establishing technical and time rules for SEPA credit transfers and direct debits.

## Downloadable templates

- [Downloadable SEPA templates: full catalogue](https://www.generatesepa.com/help/sepa-templates): Free SEPA templates: CSV, Excel, PDF mandates, pre-notification emails and refund policies ready to download.
- [SEPA refund policy template](https://www.generatesepa.com/help/sepa-refund-policy-template): SEPA refund policy document ready to attach to your terms of service.
- [SEPA pre-notification email template](https://www.generatesepa.com/help/sepa-pre-notification-email-template): Email template to notify the debtor 14 days before the upcoming SEPA collection.
- [SEPA mandate PDF template (fillable)](https://www.generatesepa.com/help/sepa-mandate-pdf-template): SEPA CORE mandate ready to print or e-sign. Includes all EPC-mandatory fields.
- [SEPA direct debit Excel template](https://www.generatesepa.com/help/sepa-direct-debit-excel-template): Excel template with IBAN validation and formatting to prepare your direct debit batch before generating the XML.
- [SEPA direct debit CSV template](https://www.generatesepa.com/help/sepa-direct-debit-csv-template): Ready-to-use CSV template you upload to GenerateSEPA to produce a pain.008 without touching Excel.
- [SEPA credit transfer Excel template](https://www.generatesepa.com/help/sepa-credit-transfer-excel-template): Excel template with pre-validated columns to prepare SEPA pain.001 credit transfers from your spreadsheet.
- [SEPA credit transfer CSV template](https://www.generatesepa.com/help/sepa-credit-transfer-csv-template): CSV template you upload to GenerateSEPA to produce a pain.001 ready for your bank.

## Common issues

- [When I click 'upload file' the page doesn't move](https://www.generatesepa.com/help/when-i-click-upload-file-the-page-stays-the-same): If clicking 'upload file' leaves the page unchanged, the issue is usually file size or format. Steps to diagnose and fix it.
- [The amounts in the file come out wrong: how to fix it](https://www.generatesepa.com/help/the-amounts-come-out-wrong): If the amounts in your SEPA XML don't match the original CSV, the cause is almost always the decimal separator. Here's how to fix it.
- [I get an error converting my transfers CSV: decision tree](https://www.generatesepa.com/help/i-get-an-error-when-converting-my-transfers-csv): If your CSV fails to convert to SEPA, follow this decision tree to find the cause: header, separator, encoding, IBAN or amount.
- [Are bank accounts in the file validated?](https://www.generatesepa.com/help/are-bank-accounts-validated): Yes. GenerateSEPA validates every IBAN in the file before producing the SEPA XML. We catch checksum, format and country errors.

## Developers

- [Do you have example code in my programming language?](https://www.generatesepa.com/help/do-you-have-example-code-for-my-programming-language): Yes. Ready-to-use GenerateSEPA API examples in Python, Node.js, PHP, Ruby, Go, Java, C# and curl.
- [Does GenerateSEPA have an API?](https://www.generatesepa.com/help/do-you-have-an-api-i-can-use-from-my-system): Yes. We provide a documented REST API to generate SEPA XML files from your ERP. API-key auth, JSON in/out, examples in several languages.
- [Can I see requests and responses in various cases?](https://www.generatesepa.com/help/can-i-see-requests-and-responses-in-various-cases): Yes. The API docs include request/response examples per case: SCT, SDD CORE, SDD B2B, errors and rate limits.

## About SEPA

- [What is the SEPA mandate? A complete guide for creditors](https://www.generatesepa.com/help/what-is-the-sepa-mandate): The SEPA mandate is the debtor authorisation that lets you collect by direct debit. Learn its components, retention rules and CORE/B2B differences.
- [What is the SEPA identifier for transfers?](https://www.generatesepa.com/help/what-is-the-sepa-identifier-for-transfers): The SEPA originator identifier is the sender's VAT with country code. Learn when it's required and where it appears in the pain.001 file.
- [What is the SEPA Creditor Identifier (CID)?](https://www.generatesepa.com/help/what-is-the-sepa-creditor-id): The SEPA Creditor Identifier (CID) is the unique code identifying you as the party collecting. Learn how to compute it, what suffixes to use, and where it goes.
- [What is the BIC of an account? Structure and how to find it](https://www.generatesepa.com/help/what-is-the-bic-of-an-account): The BIC identifies your bank in any international transfer. Learn its structure, when it is mandatory and how to derive it from an IBAN.
- [What is a SWIFT code? Structure, examples and IBAN differences](https://www.generatesepa.com/help/what-is-swift-code): The SWIFT code (or BIC) identifies every bank on the global network. Learn its structure, real examples and how to retrieve it from an IBAN.
- [What is SEPA? A complete guide to the Single Euro Payments Area](https://www.generatesepa.com/help/what-is-sepa): SEPA unifies euro transfers, direct debits and card payments across 36 countries. Learn how it works, what it covers and how it affects businesses.
- [What is a bank direct debit? SEPA guide 2026](https://www.generatesepa.com/help/what-is-a-bank-debit): A direct debit lets a company charge your bank account by SEPA. Learn how it works, the benefits, the risks and the CORE vs B2B differences.
- [What are SEPA countries? Full updated 2026 list](https://www.generatesepa.com/help/what-are-sepa-countries-full-list-and-explanation): Complete 2026 list of the 36 SEPA countries: eurozone EU, non-euro EU, non-EU and overseas territories. With summary table and country-specific notes.
- [How to calculate an IBAN: steps, MOD-97 formula and tools](https://www.generatesepa.com/help/how-to-calculate-an-iban): Learn how to calculate an IBAN: structure, MOD-97 check digits, examples by country and online tools to derive it from your national account.