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SEPA downloads

All information and downloads to support you with credit transfers, direct debits and reporting

 

Structured address details

Do you provide address details in SEPA credit transfer batches and/or SEPA direct debit batches? Then keep in mind that from 22 November 2026 you will have to provide these address details in a structured manner. This can be done in both the old and the new file format. Check whether the address data are already stored in your accounting system in a structured way. If this is not already the case, we advise you to arrange this well in advance. 

Providing address details is only mandatory for the debited account for credit transfers to or direct debits from a SEPA country outside the European Economic Area. So, in case of credit transfers, only the address details of the payer are required: these are your own address details These will be added automatically by us in case it is mandatory. This means that you do not have to provide your own address details. You may provide the recipient’s address details, but there is no obligation to do so in any situation. However, for a direct debit transaction from an account in a SEPA country outside the European Economic Area, such as the United Kingdom or Switzerland, you have to provide the debtor’s address details yourselves. In case you forget to do so, the debtor’s bank can reject the direct debit transaction. Your own address details are not required.

 

Test your SEPA and non-SEPA files

Quickly and easily via Swift MyStandards

Test your SEPA files with credit transfer batches or direct debit batches, and your non-SEPA files with credit transfers via Swift MyStandards before delivering them to us.

 

SEPA Direct Debit

Conditions and Rules

If you agreed a SEPA Direct Debit contract with us, the SEPA Direct Debit Conditions and the SEPA Direct Debit Rules will apply.

Implementation Guidelines and addendum

SEPA Direct Debit batches must be delivered in the XML file format PAIN. From 18 March 2024, you can use the new file format pain.008.001.08. You can continue to use the old file format pain.008.001.02 for now. The Dutch Payments Association (Betaalvereniging Nederland) has published Implementation Guidelines for this purpose. You should also consult the ABN AMRO Addendum.

In case the mandate data for a SEPA Direct Debit Core change, check this overview what you need to do.

A change of your creditor ID is not always necessary. Read here in what situations you can continue using your creditor ID.

SEPA direct debit: refusal, revocation or refund

The Dutch banks published a list that explains the different r-transactions (refusal, revocation or refund of direct debits) they use. This list also contains the reason codes that belong to the r-transactions, and clarification on their recommended follow up.

R-transactions (in Dutch)

CAMT reporting format

The CAMT reporting format contains detailed information about SEPA transactions. The Dutch Payment Association has drawn up guidelines for this purpose. You should also consult the ABN AMRO Addendum.

No address details in CAMT.053

For incoming SEPA credit transfers you do not receive the payer's address and residence details. Privacy laws and regulations prohibit this. We advise you to set the automatic processing of incoming credit transfers in your (accounting) system to a payment reference. Read more about the different payment references.You are not obliged to use the CAMT reporting format as ABN AMRO continues to support the use of MT940 and MT942.

 

SEPA Credit Transfer

Implementation Guidelines and Addendum

SEPA Credit Transfer batches must be delivered in the XML file format PAIN. From 18 March 2024, you can use the new file format pain.001.001.09. You can continue to use the old file format pain.001.001.03 for now. The Dutch Payments Association (Betaalvereniging Nederland) has published Implementation Guidelines for this purpose. You should also consult the ABN AMRO Addendum.

Instruction to pay

Do you want to clearly present the payment details on your paper or digital invoice? The Instruction to pay might be a useful tool.

 

Payment reference

We advise you to include a payment reference on your invoices. You can then set up the automatic processing of incoming credit transfers in your (accounting) system on this payment reference. You have several options for a payment reference:
  • Your own payment reference
    You decide what the payment reference looks like. When the payer enters this reference when making a payment via Internet Banking or a Mobile Banking app, there is no check for correctness. In the CAMT.053 report, you will then find the payment reference in the 'Unstructured Remittance Information' field.
  • The Dutch payment reference
    This payment reference has a fixed structure and contains a check digit. When the payer enters this attribute when making a payment via Internet Banking or a Mobile Banking app, it is checked for correctness. This prevents typos and simplifies automatic processing in your (accounting) system. A correct payment reference is reported in the CAMT.053 reporting in the "Structured Remittance Information" field, an incorrect reference in the "Unstructured Remittance Information" field. Read the specifications of the Dutch payment reference (in Dutch).
  • The ISO payment reference
    This is an internationally used payment reference with a fixed structure and a check digit. The Dutch banks also check this reference for correctness when the payer enters it when making a payment via Internet Banking or a Mobile Banking app. A correct payment reference is reported in the CAMT.053 reporting in the "Structured Remittance Information" field, an incorrect reference in the "Unstructured Remittance Information" field. Read the ISO payment reference specifications (in Dutch).
 

Avoid rejection of your SEPA batches

All SEPA credit transfer and direct debit batches must contain the right tags. Many batches lack the tags:

  • 'Control Sum' ('CtrlSum', total amount)
  • 'Number of Transactions' ('NbOfTxs') at file and/or batch level. 

Or these tags contain an incorrect value. Please note that these tags need to present at both file level and batch level. When you submit a file and/or batch without these tags or with an incorrect value in these tags, you see a warning and your file and/or batch will be rejected. In that case, adjust your file and/or batch and upload it again.

SEPA Direct Debit: the mandate

 

The creditor

For both the SEPA Direct Debit Core and the SEPA B2B Direct Debit you can design the mandate form yourself. The SEPA mandate form must contain a number of mandatory data elements.

Design Mandate form  

For the SEPA Direct Debit Core you can also use standard mandate forms, so called 'stoplichtkaarten'. Examples can be found below. There is also a 'certified PDF'-version which you can use for mail merges. 

The debtor

As a debtor you can provide companies in all SEPA countries with a mandate. You send the mandate to the creditor. Do you want to provide a mandate for the SEPA B2B Direct Debit? For this type of Direct Debit, you have no right of refund after collection. As an extra check, you must therefore register the mandate with ABN AMRO.