Check in one minute whether banks will still accept your SEPA direct debit or payment file after 15 November 2026.
Wij zetten uw bestand om naar de nieuwe berichtversie met correcte adresgegevens. Aantallen en totaalbedragen blijven gelijk en het resultaat wordt opnieuw gecontroleerd tegen het officiële schema.
Incasseert u maandelijks? Met de herstelt u onbeperkt.
Onbeperkt SEPA-bestanden herstellen gedurende 12 maanden, voor incasso’s (pain.008) én overboekingen (pain.001). €99 excl. btw per jaar (€119,79 incl. 21% btw). U ontvangt de licentiecode direct na betaling op het scherm en per e-mail, met factuur.
Effective date: 15 November 2026
If you collect SEPA direct debits from an account with a bank in the United Kingdom, every transaction involves a bank outside the European Economic Area (EEA). From November 2026 the file must therefore contain a structured address for every debtor, even if their banks are in the EEA, and for yourself as the creditor. The same applies to SEPA credit transfers sent from a UK account: the address of the payer and of every beneficiary is required.
The EEA consists of the 27 EU countries plus Iceland, Liechtenstein and Norway. The United Kingdom, Switzerland, Monaco, San Marino, Andorra, Vatican City, Gibraltar, Jersey, Guernsey, the Isle of Man, Albania, Moldova, Montenegro and North Macedonia take part in SEPA but are outside the EEA. We determine the country from the IBAN country code (or, if there is no IBAN, from the BIC).
Whenever the debtor bank or the creditor bank in a transaction is in one of these countries, both addresses must be in the file. This works in both directions: a Dutch or German collector with a customer whose account is with a UK or Swiss bank also has to include that customer’s address and their own.
Minimum requirement: town and country in separate fields. A fully structured address (street, building number, postcode, town and country) is preferred. An address consisting only of free-text address lines is no longer allowed from November 2026.
Choose the XML file you upload to your bank: a direct debit file (pain.008) or a payment file (pain.001).
You see whether your file will be accepted (green), will be rejected from 15 November (amber) or already contains errors (red).
If it does not comply, you receive a repaired file in the new version, ready to upload to your bank.
Does your file not comply? We convert it to the new version with correct address details. Within the EEA we omit addresses by default, as banks advise. Where an address is required, we convert it into structured fields. If required addresses are missing, you complete them first; the repair button then appears. The number of transactions and the totals stay exactly the same.
€14.95 excl. VAT
For monthly collections
€99 excl. VAT per year
The check is always free.
| Situation | Address required? | Requirement from 15 November 2026 |
|---|---|---|
| Direct debit: debtor bank and your bank both in the EEA | No | If included: structured or hybrid |
| Direct debit: your bank in the UK (or elsewhere outside the EEA) | Yes, for every debtor and for you | At least town and country; structured preferred |
| Direct debit: debtor bank outside the EEA (e.g. UK, Switzerland) | Yes, for that debtor and for you | At least town and country; structured preferred |
| Credit transfer: payer or beneficiary bank outside the EEA | Yes, for payer and beneficiary | At least town and country; structured preferred |
| Credit transfer within the EEA | No | If included: structured or hybrid |
| Type | Description | Allowed after 15 November 2026 |
|---|---|---|
| Structured | Street, building number, postcode, town and country in separate fields | Yes (preferred) |
| Hybrid | Town and country in separate fields, the rest in no more than two free-text lines | Yes, at most banks |
| Unstructured | The full address in free-text lines | No |
<PstlAdr>
<StrtNm>Downing Street</StrtNm>
<BldgNb>10</BldgNb>
<PstCd>SW1A 2AA</PstCd>
<TwnNm>London</TwnNm>
<Ctry>GB</Ctry>
</PstlAdr>Are required addresses missing, or only present as free text? The checker then works in three steps, in this order.
We convert existing address lines into separate fields, with country-specific recognition (including the United Kingdom, Switzerland, Germany, Belgium, France and the Netherlands). If an address cannot be split with certainty, we do not guess: the row stays open.
Optionally, upload a customer list (Excel or CSV). We recognise the columns ourselves and match only on mandate ID or IBAN, never on name. You see how many rows were matched, with five examples, and confirm with one click.
Anything still open goes into an Excel completion list. Enter at least town and country, then upload the list again. Any incorrect rows are reported by row number, so you only need to correct those.
You also get an overview of the open rows, showing what is missing for each row and what you can do, which you can download as a PDF. The repair button only appears once all required addresses are complete. With more than 25 open rows it is usually quicker to enter the addresses in separate fields in your own software (such as Xero, Sage or QuickBooks) and export the file again.
Your file contains personal data and account numbers. We process it in our server’s memory only and do not store or log file contents, names or account numbers. For a repair, the file is kept encrypted in memory for a maximum of 30 minutes and then deleted automatically. The same applies to a customer list or completion list you upload.
Every file is checked against the official ISO 20022 XML schema, before and after repair.
Pay securely by card or another payment method offered by Mollie. Prices are in euros; Dutch VAT at 21% is added.
A service of Bedrijfsboekhouder.com, an accounting firm in Rijswijk, the Netherlands (Chamber of Commerce no. 78320550). Questions: info@bedrijfsboekhouder.com.
From the weekend of 14 and 15 November 2026, banks no longer accept unstructured address details in direct debit and payment files. Only structured or hybrid addresses are allowed. At the same time, banks move to the new message versions pain.008.001.08 and pain.001.001.09.
Yes. If your own bank is in a SEPA country outside the EEA, such as the United Kingdom or Switzerland, the address of every debtor in the file is required, even if the debtor banks are in the EEA. Your own address as the creditor is also required. At least town and country, preferably street, building number, postcode, town and country in separate fields.
Yes, whenever a debtor bank or your own bank is outside the EEA. In that case the address of both parties is required, including your own address as the creditor (or as the payer for a credit transfer). The checker reports a missing or unstructured own address separately.
First we automatically split existing address lines into separate fields; where we are not certain, we do not guess. You can then upload a customer list (Excel or CSV) and we complete the addresses from it. Anything still open can be entered in a completion list that you download and upload again. Only when all required addresses are complete can you have the file repaired.
No. We only match exactly on mandate ID or IBAN, never on name, and we only take the address. Before you confirm, you see how many rows were matched and five examples to check. The list is processed in memory only and deleted no later than 30 minutes after your file was uploaded.
Not if both your bank and the debtor bank are in the EEA. If you include an address anyway, it must be structured or hybrid. Fully unstructured addresses (address lines only) are no longer accepted from November 2026.
Version .08 is the newer ISO 20022 version that banks require from November 2026. The main change is support for structured address fields. Some field names have also changed, such as the BIC element.
Yes. As well as direct debit files (pain.008), the tool checks credit transfer files (pain.001).
Your file is not stored on disk. For a repair it is kept encrypted in memory for a maximum of 30 minutes and then deleted automatically. The same applies to a customer list or completion list you upload.
Check that the addresses of your customers, and your own company address, are entered in separate fields (street, building number, postcode, town and country). Then check a file created by your software here before uploading it to your bank.
Deze pagina in het Nederlands: SEPA-incassobestand controleren