How does it work?
- Complete the Excel file with recipient details.
- Upload the file and correct any detected errors.
- Create and download the finished XML file.
- Import the XML into iPKO Biznes, review and approve the payments.
Excel → ISO 20022 XML
Prepare bulk payments for iPKO Biznes from Excel
Upload a table with recipients, IBANs and amounts. The tool will check the data and create a ready-to-import XML file for the bank — without entering every payment manually.
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
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.
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.
Polish IBAN structure
What do the digits mean and where does the Bank ID come from?
A Polish IBAN consists of the country code, check digits, an eight-digit clearing number and the individual account number.
PL CC BBBBBBBB AAAAAAAAAAAAAAAA- PL
- Country code — Poland.
- CC
- Check digits used to validate the IBAN.
- BBBBBBBB
- Eight-digit clearing number identifying the bank or its organisational unit.
- AAAAAAAAAAAAAAAA
- Sixteen-digit individual customer account number.
How does the generator obtain the Bank ID (MmbId)?
The generator removes spaces, normalises the Polish IBAN and reads the eight BBBBBBBB digits. This value appears in the preview as the Bank ID and is written to the MmbId field in the XML. It is neither guessed nor fetched from an external database.
The generator first checks the IBAN format and checksum. If the IBAN is invalid, the Bank ID is not determined and XML generation is blocked. This validates the number structure, but it does not confirm that the account is active or belongs to the stated recipient.
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.
- Enter one recipient per row.
- Use a Polish IBAN and an amount with a comma or a dot.
- 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.