Validate against the official ISO 20022 schema, see every error in plain English, find addresses that fail the new structured-address rule, and fix them. All without uploading your file.
Banks are phasing out pain.001.001.03. Drop an old file and get a pain.001.001.09 file: only the structure changes, every amount, account, name and ID stays the same, and the new file is checked against the official .09 schema straight away. What changes
Runs in your browser. Your file is never uploaded.Check another file: drop it here or choose one from your computer.
Drop a pain.001 XML file here or choose one from your computer. Checked in four steps: readable XML, the official ISO 20022 schema (versions .03 to .13), business rules (ISO code lists, IBAN check digits, control totals, and the EPC rules for SEPA payments), then the structured-address rule.
Drop a pain.001.001.03 file here or choose one from your computer. It's converted to .09 and checked straight away; then you can fix addresses and download the new file.
| Address type | What it looks like | Status |
|---|---|---|
| Structured | Separate fields, at minimum TwnNm and Ctry; street, building and postcode in StrtNm, BldgNb, PstCd. No AdrLine. | Ready |
| Hybrid | TwnNm and Ctry in their own fields, plus at most 2 AdrLine of up to 70 characters each. The lines must not repeat the postcode, town or country already given in their own fields. | Ready |
| Unstructured | Everything in free-text AdrLine fields, with no separate town and country. | Fix before deadline |
| Agents (banks) | A BIC alone is enough. Without a BIC, give the name with town and country. For domestic payments outside SEPA, the UK and the US, a clearing code such as an IFSC also identifies the bank. | BIC = ready |