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pain.001 Generator and Validator

Generate an ISO 20022 pain.001 XML for a SEPA batch credit transfer, or structurally validate a pain.001 file you already have (required fields, IBAN MOD-97, amount/count consistency).

Updated:

Privacy: The calculation runs in your browser; the full IBAN, account number, amount and reference you enter are not sent to a server, logged or passed to analytics. Some tools may pass only a non-sensitive term (e.g. bank code, BIC, currency) to a lookup service for search/matching. Per-tool detail: Privacy.

Sender (debtor)

Recipients (transactions)

How does this tool calculate?

High — matches current official data
Method/formula used
Generating a pain.001.001.03 (SEPA payment initiation) XML from your inputs; validation checks required fields, IBAN MOD-97, amount format and NbOfTxs/CtrlSum consistency.
Data used
ISO 20022 pain.001 + EPC Implementation Guidelines structure
Unsupported cases
  • Does not guarantee bank acceptance (version/required-field differences)
  • Not a full XSD schema validation, only a structural check

What is pain.001?

pain.001 (CustomerCreditTransferInitiation) is the SEPA payment initiation message sent from a customer to a bank under the ISO 20022 standard. It is the XML format organisations use to send single/batch credit transfer instructions to their banks. The bank-to-bank transfer itself runs through a separate message (pacs.008) — see what is SEPA.

How do I use the generator?

  1. Sender details: Enter your name, your IBAN and (if any) BIC, and the execution date.
  2. Add recipients: For each recipient enter name, IBAN, amount and description. Use "+ Add recipient" to add multiple rows (batch transfer).
  3. Generate XML: The tool produces the pain.001.001.03 XML; save it as .xml with "Download XML" and upload it to your bank's channel.

How do I use the validator?

  1. Switch to the Validate tab and paste the pain.001 XML you have.
  2. The tool checks the required fields (MsgId, date, number of transactions), the sender/recipient IBANs with MOD-97, the amount format and the NbOfTxs/CtrlSum consistency.

This tool produces/checks a structural XML; it does not guarantee your bank will accept it. Banks may differ in version (…03 / …09) and in required fields — rely on your bank's technical documentation. Everything runs in your browser; your data does not go to a server.

Sources

ISO 20022 message standards (pain / camt)

ISO 20022 Registration Authority

A
Document date:
2025
Last checked:
2026-07-16
www.iso20022.org

SEPA scheme rulebooks & geographical scope

European Payments Council (EPC)

A
Document date:
2025
Last checked:
2026-07-16
www.europeanpaymentscouncil.eu

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