Convert Old SEPA XML Files (pain.001.001.02) to the Latest Standard (pain.001.001.03) Online

If your bank has recently rejected your SEPA XML payment files with the message
“Format no longer supported”, you are not alone. Many companies and accountants across Europe
are still working with the outdated pain.001.001.02 format. However, according to the latest
SEPA rulebooks and banking standards, financial institutions now only accept payment files in the
modern ISO 20022 XML format pain.001.001.03.

Our free online SEPA XML converter provides the fastest and easiest way to update your existing
payment files. Whether you need to process salary transfers, supplier payments, or bulk transactions
(Sammelüberweisungen), this tool automatically maps your data into the correct structure and generates
a fully compliant pain.001.001.03 file. No technical knowledge is required — simply select your XML file,
click Convert, and download the ready-to-use file for upload to your bank’s internet banking portal.

Why this SEPA converter is safe and reliable

Unlike online tools that require you to upload sensitive financial data to external servers, our converter works
entirely client-side. That means all processing takes place directly in your browser
using secure JavaScript. Your payment information — including IBANs, BICs, names, and references — never leaves your
computer, is never stored online, and cannot be accessed by third parties. This ensures 100% privacy and maximum
security for payroll departments, accountants, and businesses handling confidential payment data.

Key benefits of this tool

  • ✅ Converts old pain.001.001.02 files into the latest pain.001.001.03 format
  • ✅ Fully compliant with ISO 20022 and current SEPA standards
  • ✅ Supports batch and bulk payments (Sammelüberweisungen)
  • ✅ Works instantly in your browser, with no installation or registration required
  • ✅ Safe by design — no uploads, no storage, no risk

Take the hassle out of SEPA compliance and ensure your payment files are always accepted by your bank with this
simple, secure, and free SEPA XML converter.

Try it now

Select your old SEPA XML file below, click Convert XML, and download the new version: