pain.008.001.08 — valid CORE direct debit, collected after 2026-11-15

Name: pain.008.001.08 — valid CORE direct debit, collected after 2026-11-15 — pain.008.001.08 sample file
Creator: ValidateFin
License: https://creativecommons.org/licenses/by/4.0/

What a compliant SEPA Direct Debit looks like after the 2026-11-15 cut-off: the collection date is 2026-11-20, so every creditor and debtor address is structured (TwnNm + Ctry). CORE scheme, three collections totalling 228.80 EUR, zero warnings.

pain.008.001.08 — Valid

SEPA Direct Debit (pain.008) pain.008.001.08 ISO 20022 / SDD CORE / EPC153-22 v2.1Expected result: Valid

What this file shows

Transactions	3
Total	€228.80
Scheme	CORE
Date in the file	2026-11-20

Last verified: 2026-07-11License: CC-BY-4.0

Download the file Open the matching validator

Every party, IBAN and amount below is fictitious. The IBANs are structurally valid — they pass the mod-97 check — but they belong to no real account.

File content

<?xml version="1.0" encoding="UTF-8"?>
<!--
  ValidateFin sample file — SEPA Direct Debit, pain.008.001.08, CORE scheme.
  Expected validation result: VALID — 3 collections, 228.80 EUR.

  This sample is deliberately dated AFTER the EPC structured-address cut-off of
  2026-11-15: the collection date (ReqdColltnDt) is 2026-11-20, so every creditor
  and debtor address must be structured (TwnNm + Ctry, no AdrLine) or hybrid.
  It is the reference for what a compliant post-2026 SEPA Direct Debit looks like.

  All parties are fictitious. The IBANs pass the mod-97 check and the Creditor
  Scheme Identifier (ICS) passes the ISO 7064 MOD 97-10 check.
  Reference page: https://validatefin.com/en/resources/samples/sepa-pain008-v08-valid
  License: CC-BY-4.0
-->
<Document xmlns="urn:iso:std:iso:20022:tech:xsd:pain.008.001.08"
          xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance">
  <CstmrDrctDbtInitn>
    <GrpHdr>
      <MsgId>SDD-CORE-20261117-001</MsgId>
      <CreDtTm>2026-11-17T08:40:00</CreDtTm>
      <NbOfTxs>3</NbOfTxs>
      <CtrlSum>228.80</CtrlSum>
      <InitgPty>
        <Nm>Nordwind Software GmbH</Nm>
      </InitgPty>
    </GrpHdr>
    <PmtInf>
      <PmtInfId>PMT-SDD-20261117-CORE</PmtInfId>
      <PmtMtd>DD</PmtMtd>
      <NbOfTxs>3</NbOfTxs>
      <CtrlSum>228.80</CtrlSum>
      <PmtTpInf>
        <SvcLvl>
          <Cd>SEPA</Cd>
        </SvcLvl>
        <LclInstrm>
          <Cd>CORE</Cd>
        </LclInstrm>
        <SeqTp>RCUR</SeqTp>
      </PmtTpInf>
      <ReqdColltnDt>2026-11-20</ReqdColltnDt>
      <Cdtr>
        <Nm>Nordwind Software GmbH</Nm>
        <PstlAdr>
          <StrtNm>Hafenstrasse</StrtNm>
          <BldgNb>18</BldgNb>
          <PstCd>20359</PstCd>
          <TwnNm>Hamburg</TwnNm>
          <Ctry>DE</Ctry>
        </PstlAdr>
      </Cdtr>
      <CdtrAcct>
        <Id>
          <IBAN>DE89370400440532013000</IBAN>
        </Id>
        <Ccy>EUR</Ccy>
      </CdtrAcct>
      <CdtrAgt>
        <FinInstnId>
          <BICFI>COBADEFF</BICFI>
        </FinInstnId>
      </CdtrAgt>
      <ChrgBr>SLEV</ChrgBr>
      <CdtrSchmeId>
        <Id>
          <PrvtId>
            <Othr>
              <Id>DE52ZZZ12345678</Id>
              <SchmeNm>
                <Prtry>SEPA</Prtry>
              </SchmeNm>
            </Othr>
          </PrvtId>
        </Id>
      </CdtrSchmeId>
      <DrctDbtTxInf>
        <PmtId>
          <EndToEndId>E2E-CORE-2026-1101</EndToEndId>
        </PmtId>
        <InstdAmt Ccy="EUR">49.90</InstdAmt>
        <DrctDbtTx>
          <MndtRltdInf>
            <MndtId>MNDT-SDD-2025-0410</MndtId>
            <DtOfSgntr>2025-04-10</DtOfSgntr>
            <AmdmntInd>false</AmdmntInd>
          </MndtRltdInf>
        </DrctDbtTx>
        <DbtrAgt>
          <FinInstnId>
            <BICFI>BYLADEM1001</BICFI>
          </FinInstnId>
        </DbtrAgt>
        <Dbtr>
          <Nm>Keller Logistik GmbH</Nm>
          <PstlAdr>
            <StrtNm>Ringstrasse</StrtNm>
            <BldgNb>7</BldgNb>
            <PstCd>80331</PstCd>
            <TwnNm>Muenchen</TwnNm>
            <Ctry>DE</Ctry>
          </PstlAdr>
        </Dbtr>
        <DbtrAcct>
          <Id>
            <IBAN>DE02120300000000202051</IBAN>
          </Id>
        </DbtrAcct>
        <RmtInf>
          <Ustrd>Lizenz November 2026 - Rechnung NW-2026-1101</Ustrd>
        </RmtInf>
      </DrctDbtTxInf>
      <DrctDbtTxInf>
        <PmtId>
          <EndToEndId>E2E-CORE-2026-1102</EndToEndId>
        </PmtId>
        <InstdAmt Ccy="EUR">49.90</InstdAmt>
        <DrctDbtTx>
          <MndtRltdInf>
            <MndtId>MNDT-SDD-2025-0622</MndtId>
            <DtOfSgntr>2025-06-22</DtOfSgntr>
            <AmdmntInd>false</AmdmntInd>
          </MndtRltdInf>
        </DrctDbtTx>
        <DbtrAgt>
          <FinInstnId>
            <BICFI>ABNANL2A</BICFI>
          </FinInstnId>
        </DbtrAgt>
        <Dbtr>
          <Nm>De Vries Advies BV</Nm>
          <PstlAdr>
            <StrtNm>Keizersgracht</StrtNm>
            <BldgNb>124</BldgNb>
            <PstCd>1015 CW</PstCd>
            <TwnNm>Amsterdam</TwnNm>
            <Ctry>NL</Ctry>
          </PstlAdr>
        </Dbtr>
        <DbtrAcct>
          <Id>
            <IBAN>NL91ABNA0417164300</IBAN>
          </Id>
        </DbtrAcct>
        <RmtInf>
          <Ustrd>Lizenz November 2026 - Rechnung NW-2026-1102</Ustrd>
        </RmtInf>
      </DrctDbtTxInf>
      <DrctDbtTxInf>
        <PmtId>
          <EndToEndId>E2E-CORE-2026-1103</EndToEndId>
        </PmtId>
        <InstdAmt Ccy="EUR">129.00</InstdAmt>
        <DrctDbtTx>
          <MndtRltdInf>
            <MndtId>MNDT-SDD-2024-0915</MndtId>
            <DtOfSgntr>2024-09-15</DtOfSgntr>
            <AmdmntInd>false</AmdmntInd>
          </MndtRltdInf>
        </DrctDbtTx>

160 / 188 lines shown — the complete file is in the download above.

How we know these results hold

Every file in this library is run through the site's own validator on each build. The expected result stated above is asserted by an automated test — if a file stopped matching what this page claims, the build would fail. Two inherited fixtures were repaired this way before publication: three IBANs failed the mod-97 check and several names used characters outside the basic SEPA character set.

SEPA Direct Debit (pain.008)

All sample files https://validatefin.com/samples/sepa-pain008-v08-valid.xml