Free SEPA tools for mandate and payment management

Validate, calculate and generate everything you need for SEPA mandate management. No registration required, 100% free.

Validators

IBAN Validator

Validate Spanish IBAN: format, check digits and bank identification.
pain.008 Validator

Validate SEPA pain.008.001.02 XML files: structure, XSD schema and business rules.
Creditor ID Validator

Validate the Spanish SEPA creditor identifier.
NIF/CIF/NIE Validator

Validate format and check letter of Spanish NIF, CIF and NIE.
Bulk IBAN Validator

Validate a list of IBANs from a CSV file.

Calculators

Mandate Expiry Calculator

Calculate if a SEPA mandate has expired under the 36-month rule.
Submission Date Calculator

Calculate the deadline to submit your SEPA remittance to the bank.

Generators & converters

UMR Generator

Generate unique mandate references (UMR) per EPC rules.
Creditor ID Generator

Calculate the SEPA creditor identifier from your NIF/CIF.
CCC → IBAN Converter

Convert a 20-digit Spanish CCC account number to IBAN format.

Documents & templates

SEPA Mandate Template

Generate a SEPA mandate PDF with all EPC-required fields.
Pre-notification Template

Generate the mandatory pre-notification letter before a SEPA collection.
Creditor Change Template

Generate the notification letter for a SEPA creditor change.

Advanced file tools

pain.008 Viewer

View the contents of a pain.008 file in readable table format.
pain.008 Comparator

Compare two pain.008 files and show the differences.
CSV → pain.008 Converter

Convert a CSV with debit data to a valid pain.008 file.

Reference & education

TARGET2 Calendar

Calendar of TARGET2 banking business days with holidays marked.
SEPA Glossary

Searchable SEPA terms dictionary with clear definitions.
SEPA Compliance Test

Interactive quiz to assess your SEPA compliance.
Mandate Lifecycle

Interactive diagram of the complete SEPA mandate lifecycle.

Why do you need these SEPA tools?

SEPA (Single Euro Payments Area) is the European standard for transfers and direct debits. If you manage recurring payments via direct debit, you need to work with SEPA mandates, pain.008 files, creditor identifiers and valid IBANs.

These free tools help you validate, calculate and generate all elements needed for correct SEPA management. From validating an IBAN to generating a complete remittance file.

Do you manage SEPA mandates for members or clients?

Custodita digitizes signatures, tracks expiry, and generates your remittances automatically.

Try free — up to 10 mandates