You saved my life. I panicked when I couldn't send the file my ERP generates, but thanks to you, I'm back to processing invoices with just two clicks.
Free SEPA utilities — IBAN, XML, mandates and Creditor ID
Free tools with no registration
What do our customers say?
And if you don't believe it, try it yourself! Create an account and start generating files in two minutes.
There's no easier way to send hundreds of transfers with a simple Excel file. Congratulations!
Sara Lekue
Administration DepartmentA JSON API to generate SEPA direct debits: you've saved me hours of work and testing.
Sandro Gómez
DeveloperWorth the cost
We doubted whether a subscription was worth it, but being able to collect all bills without problems is priceless.
Ana Sagasti, Illumbe
Why isn't everything this simple?
I spent a lot of time struggling with the bank and its files, when the solution was just one click away.
Alberto Carrillo, Berenguer Group
Simply perfect
It does exactly what it says: helps you collect with your bank
Carmen Melendez, Montañez Asesores
Here you will find a set of public utilities to work with the SEPA standards published by the European Payments Council (EPC) and ISO 20022. They are all free, online and require no account or installation.
Each utility tackles a single task — validate an IBAN, identify a bank, check a pain.008 XML file or compute a SEPA Creditor Identifier — and returns the result in seconds.
SEPA direct debit XML validator (pain.008)
Check whether your direct debit file conforms to the XSD pain.008.001.02 schema before sending it to the bank.
Validate XML fileIBAN validator
Verify format, length and MOD-97 check digits of any IBAN. Get the bank, BIC and country it belongs to.
Validate IBANCheck IBAN
Free IBAN checker to verify any IBAN instantly. MOD-97 check with bank, BIC and country — no registration.
Check IBANRandom IBAN generator
Generate valid random IBANs with the MOD-97 algorithm. Multi-country SEPA selector — no registration.
Generate random IBANIBAN generator (CCC to IBAN)
Convert a Spanish CCC account number to IBAN format with the MOD-97 algorithm. Instant, validated result.
Generate IBANBank from IBAN
Identify which financial institution an IBAN belongs to. Get bank name, BIC (when available) and country.
Identify bankSEPA Creditor ID
Generate and validate the SEPA Creditor Identifier for Spain and other SEPA countries using the official EPC262-08 formula.
Generate Creditor IDSEPA mandate generator
Create CORE and B2B SEPA mandates in PDF with all EPC-mandated fields. Ready to sign and archive.
Create mandateSEPA API
Integrate SEPA pain.001 and pain.008 file generation directly into your software via JSON API.
Read docsWhy use these utilities?
Free and registration-free
All tools are free to use, with no sign-up form or email required. Designed to answer a specific question right away.
Built on official standards
We apply the algorithms published by the EPC and ISO (MOD-97 for IBAN, ISO 7064 Mod 97-10 for Creditor ID, the official XSDs for pain.008).
Privacy by design
IBANs and XML files are processed in memory only for as long as needed to return the answer. We do not store the data.
Frequently asked questions about the SEPA utilities
Which SEPA tools can I use for free on this site?
We provide an IBAN validator, an IBAN checker, a random IBAN generator, a CCC-to-IBAN generator, a bank-from-IBAN lookup, a pain.008.001.02 XML validator, a SEPA Creditor ID generator and validator, a mandate generator and a JSON API. All of them run online without any installation.
Do I need to register to use them?
No. The public utilities (validate IBAN, generate IBAN, identify bank, validate pain.008, Creditor ID) do not require an account. You only need a free account if you want to process large batches, use the API or issue mandates at scale.
Do you store the data I enter?
No, we do not store the IBANs, XML files or national identifiers you use in the utilities. Processing happens in memory only for as long as needed to return the result.
Do these tools work for any SEPA-area bank?
Yes. The algorithms (MOD-97, ISO 7064, pain.008 XSD) are the same that SEPA banks use. That said, each bank may apply extra rules (custom reference-field lengths, maximum amounts, etc.) that you should confirm with your institution.
Is there an API to integrate all this into my software?
Yes. SEPA Generator exposes a JSON API to generate and validate pain.001 (credit transfers) and pain.008 (direct debits) files, as well as IBAN batch validation. The full documentation is linked in the API section.