Introduction
SEPA data formats are based on the ISO 20022 Standard.
The usual banking file format for a SEPA & Non-SEPA Credit Transfer is the Pain (payment initiation) format 001.001.03.
However there is a specific German credit transfer XML format that is supported only by a limited amount of banks, the Pain 001.003.03, but since November 2016, the recommended Standard is 001.001.03.
For more on this, see the german specifications in section DFÜ Agreement Annex 3 – Version 3.0, Chapter 4.