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Excel → ISO 20022 XML

Bulk payment XML generator from Excel

Prepare a pain.001.001.09 file with domestic PLN transfers in your browser and download it for import into iPKO Biznes.

Data stays on your devicePKO Bank Polski / iPKO Biznespain.001.001.09No registration

Local generator

Prepare a payment batch step by step

Download the template or add rows manually. Before downloading the XML, the tool checks required fields, accounts, amounts, dates and duplicates.

Step 1

Download the Excel template

The template contains the required columns, instructions and one fictional example with an intentionally invalid account number.

Step 2

Upload the completed file

Drop an .xlsx or .xls file here

The file will be read only in this browser tab.

Step 3

Payer details

These details will be written to the XML. The default reference and date fill empty cells in the table.

Step 4

Payment preview

Edit cells, remove incorrect entries or add a transfer manually.

Upload an Excel file or add the first row manually.

Step 5

Number of payments
0
Total amount
0.00 PLN
Number of errors
3

The file will be checked for required fields and PKO format.

Always verify all details again after importing the file into online banking.

A simple explanation

What are bulk payments?

Bulk payments, also known as payment batches, let you prepare many separate transfers at once. Instead of creating every transfer manually in online banking, you complete one Excel file and the generator converts it into XML for import into iPKO Biznes.

How does it work?

  1. Complete the Excel file with recipient details.
  2. Upload the file and correct any detected errors.
  3. Create and download the finished XML file.
  4. Import the XML into iPKO Biznes, review and approve the payments.

What do you need?

  • An account with PKO Bank Polski.
  • Access to iPKO Biznes and payment imports.
  • An Excel file with recipients, Polish IBANs, PLN amounts, payment references and dates.

How does the generator help?

  • Creates pain.001.001.09 XML from Excel data.
  • Checks IBANs, amounts, dates, duplicates and required fields.
  • Lets you correct the data before downloading the file.
  • Removes the need to copy every transfer into online banking manually.

All data is processed on your device. The generator does not send or execute transfers — final review and approval take place in iPKO Biznes.

How does the generator work?

The tool reads the Excel workbook in your browser, turns the data into an editable preview and generates a pain.001.001.09 XML file. No payment file is sent to a route handler, server action or database.

How should I prepare the Excel file?

Use the provided template or your own workbook. Columns containing the recipient, account number and amount are required. Common Polish and English column names are recognized.

  1. Enter one recipient per row.
  2. Use a Polish IBAN and an amount with a comma or a dot.
  3. Enter a reference and date, or leave them empty to use the defaults.

How do I import the XML into iPKO Biznes?

After downloading the file, sign in to iPKO Biznes and go to: Transactions → New → Import → Transactions. Select the XML file, then carefully verify recipients, accounts, amounts and dates before approval.

What information is required?

You need the payer name and account plus each recipient’s name, Polish IBAN, PLN amount, payment reference and execution date. Recipient names can contain up to 70 characters and references up to 140.

Is any data sent to a server?

No. The workbook, IBANs, recipient names, references and amounts exist only in the memory of the open browser tab. Refreshing or closing the page removes the entered data.

What is pain.001.001.09?

It is the ISO 20022 Customer Credit Transfer Initiation message used to submit payment instructions in batches. This version generates domestic PLN transfers for the import format used by iPKO Biznes.

Common XML import errors

Typical problems include an invalid IBAN checksum, unsupported characters, three decimal places, a past date, a missing reference, duplicate payments or an altered XML structure. The generator catches these issues before download but does not replace the bank’s checks.

Questions and answers

Is the generator free?

Yes. The tool works without registration and does not save a file history.

Can I use a CSV file?

Not in this version. You can use .xlsx and .xls files or add rows manually.

Does the generator support EUR and SEPA?

No. The current version supports Polish domestic transfers in PLN only.

Does the bank guarantee that the file will be accepted?

No. The generator checks required fields and structure, but final validation takes place in iPKO Biznes. Always verify all details before approval.

This tool is not a product of PKO Bank Polski and is not affiliated with the bank. Always verify payment details in online banking before approving transfers.