Help center
Guides and answers about GenerateSEPA, SEPA files, billing, and the API.
By category
Banks in Germany
- Banks in Germany and SEPA: full comparison
- SEPA at Sparkassen (red) (Germany): how to upload your file (HELADEFF)
- SEPA at Postbank (Germany): how to upload your file (PBNKDEFF)
- SEPA at N26 (Germany): how to upload your file (NTSBDEB1)
- SEPA at ING (Alemania, ex-DiBa) (Germany): how to upload your file (INGDDEFF)
- SEPA at DZ Bank (Volksbanken) (Germany): how to upload your file (GENODEFF)
- SEPA at DKB (Deutsche Kreditbank) (Germany): how to upload your file (BYLADEM1001)
- SEPA at Deutsche Bank (Germany): how to upload your file (DEUTDEFF)
- SEPA at Commerzbank (Germany): how to upload your file (COBADEFF)
Banks in Spain
- Spanish banks and SEPA: full comparison
- SEPA in Unicaja Banco: how to upload your file (UCJAES2M)
- SEPA in Santander: how to upload your file (BSCHESMM)
- SEPA in Banco Sabadell: how to upload your file (BSABESBB)
- SEPA in Openbank: how to upload your file (OPENESMM)
- SEPA in Kutxabank: how to upload your file (CGLKES2M)
- SEPA in ING España: how to upload your file (INGDESMM)
- SEPA in Imagin: how to upload your file (CAIXESBBXXX)
- SEPA in Cajamar: how to upload your file (CCRIES2A)
- SEPA in CaixaBank: how to upload your file (CAIXESBB)
- SEPA in BBVA: how to upload your file (BBVAESMM)
- SEPA in Bankinter: how to upload your file (BKBKESMM)
- SEPA in Banca March: how to upload your file (BMARES2M)
- SEPA in Abanca: how to upload your file (CAGLESMM)
Banks in France
- Banks in France and SEPA: full comparison
- SEPA at Societe Generale (France): how to upload your file (SOGEFRPP)
- SEPA at LCL (France): how to upload your file (CRLYFRPP)
- SEPA at La Banque Postale (France): how to upload your file (PSSTFRPP)
- SEPA at Credit Mutuel (France): how to upload your file (CMCIFRPP)
- SEPA at Credit Agricole (France): how to upload your file (AGRIFRPP)
- SEPA at Boursorama Banque (France): how to upload your file (BOUSFRPP)
- SEPA at BNP Paribas (France): how to upload your file (BNPAFRPP)
- SEPA at Banque Populaire (France): how to upload your file (CCBPFRPP)
Banks in the UK
- Banks in the UK and SEPA: full comparison
- SEPA at Starling Bank (the UK): how to upload your file (SRLGGB3L)
- SEPA at Santander UK (the UK): how to upload your file (ABBYGB2L)
- SEPA at Revolut Business (the UK): how to upload your file (REVOGB21)
- SEPA at NatWest (the UK): how to upload your file (NWBKGB2L)
- SEPA at Monzo Business (the UK): how to upload your file (MONZGB2L)
- SEPA at Lloyds Bank (the UK): how to upload your file (LOYDGB2L)
- SEPA at HSBC UK (the UK): how to upload your file (HBUKGB4B)
- SEPA at Barclays (the UK): how to upload your file (BARCGB22)
Use cases
- SEPA for sports clubs and associations
- SEPA for SaaS, subscriptions and memberships
- SEPA for payroll: pay your team with one file
- SEPA for lawyers and consultancies
- SEPA for housing associations: effortless community fees
- SEPA for clinics and medical fees
- SEPA for academies and schools: automated tuition
- SEPA for bulk supplier payments
How-to guides
- SEPA HowTo guides: full index
- How to issue payroll with SEPA (Norma 34)
- How to integrate the SEPA API in Python
- How to integrate the SEPA API in PHP
- How to integrate the SEPA API in Node.js
- How to create your first SEPA batch: the 2026 definitive guide
- How to convert Norma 58 to SEPA XML
- How to convert Norma 34 to SEPA XML
- How to convert Norma 34.14 to SEPA XML
- How to convert Norma 19 to SEPA XML
- How to convert Norma 19.44 to SEPA XML
- How to convert Norma 19.14 to SEPA XML
- How to automate SEPA with Zapier
- How to automate SEPA with n8n
- How to automate SEPA with Make (Integromat)
Comparisons
- Stripe vs direct SEPA collection: when each one is worth it
- SEPA Direct Debit vs Card: which one for recurring payments
- SEPA DD vs Bizum vs Card: which method to choose
- SEPA CORE vs SEPA B2B: practical differences
- SCT vs SCT Inst: when to use instant credit transfers
- GoCardless vs GenerateSEPA: which one to pick
Converting files
- What file types does GenerateSEPA produce
- What is a Norma 58 file? Spanish commercial credit advances
- What is a Norma 34 file? Structure and SEPA XML conversion
- What is a Norma 19 file? Structure and SEPA XML conversion
- Which file formats can I upload to GenerateSEPA?
- What data should your transfers CSV contain
- What data should your SEPA direct debits CSV contain
- How to convert an Excel file to CSV in 3 steps
- Convert CSV transfers to SEPA XML file
- Can SEPA Instant credit transfer XML files be generated?
SEPA errors (R-messages)
- SEPA R-messages: full index of return codes
- R-message TM01: Cut-off times not met
- R-message RR04: Unclassified regulatory reason
- R-message RR03: Creditor Identifier incorrect
- R-message RR02: Regulated debtor identity
- R-message RR01: Regulated creditor identity / not permitted
- R-message RC01: Debtor bank BIC invalid
- R-message MS03: Reason not specified
- R-message MS02: Operation refused by the debtor (explicit order)
- R-message MD08: Wrong creditor data
- R-message MD07: Deceased debtor
- R-message MD06: Refund requested by the debtor
- R-message MD02: Mandate information missing or incorrect
- R-message MD01: No mandate
- R-message FF01: Invalid operation or wrong format
- R-message BE08: Missing or incorrect debtor name
- R-message BE05: Creditor unknown to the debtor
- R-message BE04: Wrong debtor address
- R-message AM05: Duplicate collection
- R-message AM04: Insufficient funds
- R-message AG02: Operation not allowed on the account
- R-message AG01: Direct debit service not contracted
- R-message AC13: Account type invalid for B2B
- R-message AC06: Blocked account
- R-message AC04: Closed account
- R-message AC01: Incorrect account number
SEPA Glossary
- Full SEPA glossary (alphabetical index)
- Workflow rejection
- VOP (Verification of Payee)
- UMR (Unique Mandate Reference)
- TPP (Third Party Provider)
- SWIFT code
- SHA / OUR / BEN
- Settlement date
- SEPA Mandate
- SDD (SEPA Direct Debit)
- SDD CORE vs B2B
- SCT (SEPA Credit Transfer)
- SCT Inst (SEPA Instant)
- Reversal
- Return
- Reject
- Refund
- R-message (return message)
- PSU (Payment Service User)
- PSP (Payment Service Provider)
- SEPA pre-notification
- Payment category (CategoryPurpose)
- pain.008
- pain.002
- pain.001
- ISO 20022
- Iberpay
- IBAN
- FRST / RCUR / OOFF / FNAL
- EPC (European Payments Council)
- End-to-End Identifier (E2E)
- Electronic mandate (e-mandate)
- Due date
- Debtor (SEPA)
- Cut-off
- Spanish 'Cuaderno' formats (Norma 19, 34, 58)
- CSM (Clearing and Settlement Mechanism)
- Creditor (SEPA)
- Creditor suffix
- CID (Creditor Identifier)
- CCC (Spanish legacy account code)
- camt.054
- Bizum
- BIC8 vs BIC11
- BIC
- ISO 9362
- BBAN
- SEPA batch
- ASPSP (Account-Servicing PSP)
- AEB (Spanish Banking Association)
General information
- What time do bank transfers arrive?
- What is a SEPA direct debit mandate form?
- What is a creditor: meaning and examples
- What is a bank receipt: definition and uses
- What are company profiles in GenerateSEPA?
- OMF transfer: what it is and how it works
- How long does a bank transfer take
- How do I create and use company profiles?
- Can I delete a company profile?
- Can a bank transfer be cancelled?
About SEPA
- What is the SEPA mandate? A complete guide for creditors
- What is the SEPA identifier for transfers?
- What is the SEPA Creditor Identifier (CID)?
- What is the BIC of an account? Structure and how to find it
- What is a SWIFT code? Structure, examples and IBAN differences
- What is SEPA? A complete guide to the Single Euro Payments Area
- What is a bank direct debit? SEPA guide 2026
- What are SEPA countries? Full updated 2026 list
- How to calculate an IBAN: steps, MOD-97 formula and tools