ISO 20022 Generator – Generate SEPA XML and SWIFT MT103 payment files online

Summary: ISO 20022 Generator creates bank-ready SEPA XML files (pain.001 credit transfers, pain.008 direct debits) and SWIFT MT103 messages from a web form or CSV/Excel import. All XML generation runs locally in the browser, ensuring no banking data is sent to servers. It supports seven European languages and includes a free XML validator.

What it does

The tool generates ISO 20022-compliant SEPA XML and SWIFT MT103 payment files from user input or imported spreadsheets, performing all processing client-side in the browser.

Who it's for

It is designed for users handling SEPA payments across Europe who need accurate, bank-ready payment file generation without relying on costly software.

Why it matters

It solves the problem of producing correctly formatted SEPA XML files that banks require, reducing errors and avoiding expensive or manual XML editing.