{"type":"document","data":{"id":"a379a350-9f4e-4009-ae84-576ac79d80be","localeString":"en-GB","publishDate":"2026-02-12T14:25:06.970+01:00","contentType":"onecms:productPage","hasMacro":false,"flexPageMetadata":{"afmBanner":false,"robotInstruction":{"noIndex":false,"noFollow":false},"description":"New file format SEPA payments and direct debits, SEPA Rulebook, SEPA Credit Transfer, SEPA Direct Debit and SEPA Instant Credit Transfer, SCT, SECT, MECT, SDD, SEPA rulebook changes structured address, batch payment, direct debit batch, xml, verzamelbetaling, incasso batch"},"mainHeaderZone":{"componentType":"productHeader","coreHeader":{"headerImage":{"transformBaseUrl":"https://assets.ing.com/transform/1f41cba1-35d4-43a7-8291-681b437508e9/1163443599","type":"image","width":2783,"altTextNL":"\"\"","original":"https://assets.ing.com/m/60823ceff7e0ebfe/original/1163443599.jpg","extension":"jpg"},"title":"New file format batch payments and direct debits"},"backLink":{"textLink":{"url":"/en/business/payments","text":"Business payments"}}},"flexZone":{"flexComponents":[{"componentType":"paragraph","title":"From 17 March 2024 a new file format has been introduced for batch payments and direct debits","richBody":{"value":"

What are the changes?

There are changes in the SEPA Rulebooks, which contains the guidelines for making Euro payments within Europe. A new file format is available for providing information of SEPA-payments through batch payments (SEPA Credit Transfer) and direct debits (SEPA Direct Debits). From 17th March 2024 it is possible to use the new file format SEPA XML version 2019. The new file format is available next to the current file format XML version 2009 and Excel.


The main change in the new SEPA XML version 2019 is the possibility to provide address details in a structured form. In addition, the new SEPA Rulebooks introduces the following changes:

These changes apply to the SEPA Credit Transfer (SCT) and SEPA Direct Debit (SDD), with the exception of the Proxy element. Proxy is not an element in SEPA Direct Debit.

Please note: if you do not add any address details in a batch payment or direct Debits, nothing will change and you can continue to use the current XML version 2009.


Why is there a new version?

The new XML version 2019 is the result of European regulation and further standardization of payment transactions. Adding structured data to a SEPA payment will help to improve payment processes.

Update: when will the changes be effective?

From 17 March 2024 to 15 November 2026, it is possible to provide address information to a SEPA Payment in the (current) unstructured form or in the new structured form. If you use address information in a SEPA payment, we recommend that you switch to the new XML version 2019 in a timely manner. This way you are well prepared, because from 15 November 2026 unstructured address data will no longer be supported.

What does this mean for me?

What does this mean for me?
 

My situationImpactOur advice
I do not provide address details of
the beneficiary/debtor		NoNo action is needed and you can
continue to use the current file
format (XML version 2009 or Excel)

I provide address details of the
beneficiary/debtor, although this is
not mandatory from regulatory
perspective (SEPA payments within
the European Economic Area)

Yes

Option 1: you can choose to use
the current file format XML-version2009
without providing address information.*
 

Option 2: If you want to continue
to provide address information,
we advise you to timely migrate
your systems and accounting
packages to the new file format
XML version 2019.**
I provide address details of the
beneficiary/debtor and this is
mandatory from regulatory
perspective(SEPA-payments outside
the European Economic Area).  		Yesmigrate your systems and
accounting packages timely to
the new file format XML-version 2019.**

* Please note that you may provide beneficiary/debtor address details while this is not required from a regulatory perspective. In that case,
you might consider to no longer provide the address details if this is not necessary for your business processes or those of your counterparties.

** Please note: the costs of migration are for your own account.

 

Which file formats are supported in which period?

File format version

Situation until 17 March 2024

Situation from 17 maart 2024

Situation from
15 November 2026

Excel

(no option to provide address details)

Supported

Supported

Supported

 

XML 2009 (current)

  • SCT: pain.001.001.03
  • SDD: pain.008.001.02

Supported

Supported

Supported

(only if address details are not provided).

XML 2019 (new)

Not supported

Supported

Supported

(required if address details are provided)


More information and description of the file formats can be found here.

"}},{"componentType":"sectionTitle","title":"Frequently Asked Questions"},{"componentType":"accordion","accordionList":[{"title":"What are the new or changed elements of the new file format XML-version 2019?","richBody":{"value":"

New or changed elements

"}},{"title":"When is it mandatory to provide address details with a SEPA payment?","richBody":{"value":""}},{"title":"Which file formats can be used when I only do SEPA payments within the EEA?","richBody":{"value":"

In the case of SEPA payments (direct debits and/or batch payments) within the European Economic Area (EEA) it is optional to provide address details. You can continue to use the current XML version 2009 or Excel file format.

The new XML version 2019 file format is only mandatory (from 22 November 2026 and onwards) if you provide address details with the SEPA payments.

Please note: currently: currently you may also provide address details for SEPA payments within the EEA, for example because this is requested by the beneficiary. According to legislation and regulations this is not mandatory, but if you want to continue doing so, make sure you switch to the XML version 2019 in time. As of 22 November 2026, if you provide address details, it is mandatory to do so in structured form in XML version 2019.

"}},{"title":"Which countries are part of the European Economic Area (EEA)?","richBody":{"value":"

The EEA stands for European Economic Area. An overview of all countries within the EEA can be found here.

"}}]},{"componentType":"accordion","accordionList":[{"title":"How do you provide address details in the new file format (XML version 2019)?","richBody":{"value":"

If you provide address details to a batch payment or SEPA Direct Debits, it is mandatory from 22 November 2026 to provide address details in a structured form. This only applies when providing structured address details of the beneficiary or debtor.

As of March 2024, a new file format (SEPA XML version 2019) is available. This new version is available in addition to the current file formats. The most important change in the new format is related to providing structured address details.

The difference between unstructured and structured address details can be found here.

"}}]}]}}}