What data should your transfers CSV contain
A clean CSV converts to SEPA XML with no friction. Here are the columns.
Mandatory
| Column | Notes |
|---|---|
| Beneficiary name | Exactly as it appears in their account |
| IBAN | International format, no spaces |
| Amount | Two decimals (52.91 or 52,91) |
| Concept | What the beneficiary will see |
Optional but recommended
- BIC: derived from the IBAN if missing.
- Execution date: defaults to the file date.
- Unique reference (End-to-End ID): your ERP ID, useful for reconciliation.
- Amount in cents: alternative to decimal amount, if your ERP exports that way.
Template
Download a transfers CSV template with the correct header. Fill it in and upload.
Conclusion
Four mandatory columns and a couple of optional ones are enough. The cleaner the CSV, the less you’ll need to fix before uploading the file to your bank.
