{"id":51243,"date":"2023-03-17T09:00:37","date_gmt":"2023-03-17T08:00:37","guid":{"rendered":"https:\/\/archief.betaalvereniging.nl\/?page_id=51243"},"modified":"2023-11-01T15:47:55","modified_gmt":"2023-11-01T14:47:55","slug":"sepa-xml-version-2019","status":"publish","type":"page","link":"https:\/\/archief.betaalvereniging.nl\/en\/payment-products-services\/sepa-xml-version-2019\/","title":{"rendered":"SEPA XML Customer to bank file formats to new version"},"content":{"rendered":"

Information for customer to bank file format submitters and suppliers of financial and CRM software<\/h2>\n<\/div><\/div><\/div>

From 17 March 2024, the SEPA XML Customer to Bank file format version 2019 will become available. This new version will come alongside the current 2009 version, at least for now. The new version offers some new features<\/a> of which structured address information is the most important.
\nThe new SEPA XML version 2019 stems from European regulations and further standardisation of payment transactions. Banks will continue to support the old 2009 version at least until 22 November 2025. After that, banks may possibly decide to phase out the XML version 2009. Your bank will inform you well in advance if that is the case.<\/p>\n<\/div><\/div><\/div><\/div>

Mandatory to provide address information<\/h2>\n<\/div><\/div><\/div>

Please note<\/strong>: for companies and organisations sending payment files with direct debits and payments to SEPA countries outside the European Economic Area (EEA) such as the United Kingdom and Switzerland (see EPC List of SEPA Scheme Countries<\/a>), the delivery of address information is mandatory. From 22 November 2025 onwards, address information must be delivered in a structured manner. This is possible in the new 2019 version but also via updating the 2009 version if your bank will continue to support it.<\/p>\n

<\/p>\n

This mainly concerns the structured delivery of your debtors' data within the SEPA Direct Debit Customer to Bank file (see example) and for your creditors' data in the SEPA Credit Transfer file. Your own data is often completed by the bank itself.<\/p>\n

In addition to the name (Nm), the fields town name (TwnNm) and country (Ctry) are mandatory. The rest of the fields are used if applicable for the correct interpretation of the address. For example, building name (BldgNm) will not be used very often.<\/p>\n<\/div><\/div><\/div><\/div>

Include the software adaptation now<\/h2>\n<\/div><\/div><\/div>

The adaptation to SEPA XML version 2019 is easy to implement in your software and\/or financial systems. The advice is to schedule software adaptations to the new SEPA XML version 2019 now. This also means making preparations to already save and store address information in a structured way in administration systems when the opportunity arises. Then you or your customers will be prepared for the future and payments can be sent or received worry-free.<\/p>\n<\/div><\/div><\/div><\/div>

Timeline<\/h2>\n<\/div><\/div><\/div>
\n\n\n\n\n\n
Version<\/strong><\/td>\nCurrent<\/strong><\/td>\nAs of 17 March 2024<\/strong><\/td>\nAs of 22 November 2025<\/strong><\/td>\n<\/tr>\n
XML 2009<\/td>\nPossible (standard)<\/td>\nPossible<\/td>\nPossible (but individual bank may phase it out over time)<\/td>\n<\/tr>\n
XML 2019<\/td>\nNot possible<\/td>\nPossible<\/td>\nPossible (standard)<\/td>\n<\/tr>\n
Buiten EEA*<\/td>\nAddress information may be structured and unstructured<\/td>\nAddress information may be structured and unstructured<\/td>\nAddress information mandatory structured<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

* Within the EEA, delivery of address information is not mandatory. Please check with your bank what you can best do if you currently provide this information and want to switch to the XML 2019 version.<\/p>\n<\/div><\/div><\/div><\/div>

Differences version 2019 vs 2009<\/h2>\n<\/div><\/div><\/div>