{"id":20684,"date":"2026-02-19T15:20:10","date_gmt":"2026-02-19T15:20:10","guid":{"rendered":"https:\/\/www.sepaxmlgenerator.com\/blog\/sepa-iso-20022-el-generador-xml-sepa-es-ahora-compatible-para-ficheros-xml-de-adeudos-directos-y-transferencias-de-credito\/"},"modified":"2026-02-19T16:58:36","modified_gmt":"2026-02-19T16:58:36","slug":"sepa-iso-20022-el-generador-xml-sepa-es-ahora-compatible-para-ficheros-xml-de-adeudos-directos-y-transferencias-de-credito","status":"publish","type":"post","link":"https:\/\/www.sepaxmlgenerator.com\/es\/blog\/sepa-iso-20022-el-generador-xml-sepa-es-ahora-compatible-para-ficheros-xml-de-adeudos-directos-y-transferencias-de-credito\/","title":{"rendered":"SEPA ISO 20022 &#8211; El GENERADOR XML SEPA es ahora compatible para ficheros xml de Adeudos Directos y Transferencias de Cr\u00e9dito"},"content":{"rendered":"<p>Siempre nos esforzamos por mejorar la aplicaci\u00f3n GENERADOR XML SEPA y, a veces, \u00a1te ves obligado a cambiar!<\/p>\n<p>Muchos de nuestros clientes de toda Europa han estado recibiendo cartas de notificaci\u00f3n sobre los cambios obligatorios en los formatos de archivo SEPA para Adeudos Directos y Transferencias de Cr\u00e9dito, concretamente la actualizaci\u00f3n a SEPA ISO 20022 y el formato de las direcciones de clientes y consumidores.<\/p>\n<p>Como este ejemplo de carta SEPA ISO 20022 de AIB en Irlanda:<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-20669 size-large\" src=\"https:\/\/www.sepaxmlgenerator.com\/wp-content\/uploads\/2026\/02\/SEPA-ISO-20022-Letter-from-Bank-Direct-Debits-and-Credit-Transfers-jpg-724x1024.jpg\" alt=\"SEPA ISO 20022 - Carta del banco - Adeudos directos y transferencias jpg\" width=\"580\" height=\"820\" srcset=\"https:\/\/www.sepaxmlgenerator.com\/wp-content\/uploads\/2026\/02\/SEPA-ISO-20022-Letter-from-Bank-Direct-Debits-and-Credit-Transfers-jpg-724x1024.jpg 724w, https:\/\/www.sepaxmlgenerator.com\/wp-content\/uploads\/2026\/02\/SEPA-ISO-20022-Letter-from-Bank-Direct-Debits-and-Credit-Transfers-jpg-212x300.jpg 212w, https:\/\/www.sepaxmlgenerator.com\/wp-content\/uploads\/2026\/02\/SEPA-ISO-20022-Letter-from-Bank-Direct-Debits-and-Credit-Transfers-jpg-768x1086.jpg 768w, https:\/\/www.sepaxmlgenerator.com\/wp-content\/uploads\/2026\/02\/SEPA-ISO-20022-Letter-from-Bank-Direct-Debits-and-Credit-Transfers-jpg-1086x1536.jpg 1086w, https:\/\/www.sepaxmlgenerator.com\/wp-content\/uploads\/2026\/02\/SEPA-ISO-20022-Letter-from-Bank-Direct-Debits-and-Credit-Transfers-jpg-1200x1697.jpg 1200w, https:\/\/www.sepaxmlgenerator.com\/wp-content\/uploads\/2026\/02\/SEPA-ISO-20022-Letter-from-Bank-Direct-Debits-and-Credit-Transfers-jpg.jpg 1240w\" sizes=\"auto, (max-width: 580px) 100vw, 580px\" \/><\/p>\n<h2>\u00bfQu\u00e9 son los cambios de la norma ISO 20022 SEPA para adeudos directos y transferencias?<\/h2>\n<p>Esencialmente, los cambios se refieren a los campos de direcci\u00f3n, el paso de direcciones no estructuradas a direcciones estructuradas. Antes bastaba con un archivo con un c\u00f3digo de pa\u00eds para aprobar, pero esto ya no se aceptar\u00e1 a partir de noviembre de 2026. <\/p>\n<p>El formato de direcci\u00f3n requerido es<\/p>\n<ul>\n<li>Direcci\u00f3n postal Nombre de la calle<\/li>\n<li>Direcci\u00f3n postal C\u00f3digo postal<\/li>\n<li>Direcci\u00f3n postal Nombre de la ciudad<\/li>\n<li>Direcci\u00f3n postal Pa\u00eds<\/li>\n<\/ul>\n<p>Dentro de un archivo xml SEPA, debe tener el siguiente aspecto:<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-20686 size-full\" src=\"https:\/\/www.sepaxmlgenerator.com\/wp-content\/uploads\/2026\/02\/Structured-Address-V7-ISO20022-SEPA-xml-files.png\" alt=\"Direcci\u00f3n estructurada - V7 - Archivos xml ISO20022 SEPA\" width=\"326\" height=\"135\" srcset=\"https:\/\/www.sepaxmlgenerator.com\/wp-content\/uploads\/2026\/02\/Structured-Address-V7-ISO20022-SEPA-xml-files.png 326w, https:\/\/www.sepaxmlgenerator.com\/wp-content\/uploads\/2026\/02\/Structured-Address-V7-ISO20022-SEPA-xml-files-300x124.png 300w\" sizes=\"auto, (max-width: 326px) 100vw, 326px\" \/><\/p>\n<h2>Cambios en nuestra App SEPA XML GENERATOR &#8211; ISO 20022<\/h2>\n<p>Ya puedes probar y ensayar la \u00faltima actualizaci\u00f3n de la ISO 20022 para Adeudos Directos y Transferencias, puedes ver los campos actualizados del backend y dentro de nuestro cvs para cargas masivas<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-20702 size-full\" src=\"https:\/\/www.sepaxmlgenerator.com\/wp-content\/uploads\/2026\/02\/Structured-Address-Data-for-ISO20022-SEPA-xml-files.png\" alt=\"Datos de direcci\u00f3n estructurados para archivos xml ISO20022 SEPA\" width=\"488\" height=\"519\" srcset=\"https:\/\/www.sepaxmlgenerator.com\/wp-content\/uploads\/2026\/02\/Structured-Address-Data-for-ISO20022-SEPA-xml-files.png 488w, https:\/\/www.sepaxmlgenerator.com\/wp-content\/uploads\/2026\/02\/Structured-Address-Data-for-ISO20022-SEPA-xml-files-282x300.png 282w\" sizes=\"auto, (max-width: 488px) 100vw, 488px\" \/><\/p>\n<h3>Prueba hoy mismo nuestro software SEPA XML GENERATOR y carga archivos compatibles con SEPA ISO 20022 xml.<\/h3>\n<p>Consulta nuestro enlace aqu\u00ed para inscribirte en <a href=\"https:\/\/www.sepaxmlgenerator.com\/es\/registrese-para-obtener-un-sepa-xml-gratuitogenerator-test-heute\/#contact\" target=\"_blank\" rel=\"noopener\">una prueba<\/a> gratuita.<\/p>\n","protected":false},"excerpt":{"rendered":"Siempre nos esforzamos por mejorar la aplicaci\u00f3n GENERADOR XML SEPA y, a veces, \u00a1te ves obligado a cambiar! Muchos de nuestros clientes de toda Europa han estado recibiendo cartas de notificaci\u00f3n sobre los cambios obligatorios en los formatos de archivo SEPA para Adeudos Directos y Transferencias de Cr\u00e9dito, concretamente la actualizaci\u00f3n a SEPA ISO 20022 [&hellip;]","protected":false},"author":2,"featured_media":20701,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[258,237,214],"tags":[],"class_list":["post-20684","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-sepa-software-es","category-software-de-domiciliacion-bancaria","category-transferencia-de-creditos-sepa"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>SEPA ISO 20022 - El GENERADOR XML SEPA ya es compatible con los archivos xml SEPA<\/title>\n<meta name=\"description\" content=\"SEPA ISO 20022 - El GENERADOR XML SEPA es ahora compatible para ficheros xml de Adeudos Directos y Transferencias de Cr\u00e9dito\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.sepaxmlgenerator.com\/es\/blog\/sepa-iso-20022-el-generador-xml-sepa-es-ahora-compatible-para-ficheros-xml-de-adeudos-directos-y-transferencias-de-credito\/\" \/>\n<meta property=\"og:locale\" content=\"es_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"SEPA ISO 20022 - El GENERADOR XML SEPA ya es compatible con los archivos xml SEPA\" \/>\n<meta property=\"og:description\" content=\"SEPA ISO 20022 - El GENERADOR XML SEPA es ahora compatible para ficheros xml de Adeudos Directos y Transferencias de Cr\u00e9dito\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.sepaxmlgenerator.com\/es\/blog\/sepa-iso-20022-el-generador-xml-sepa-es-ahora-compatible-para-ficheros-xml-de-adeudos-directos-y-transferencias-de-credito\/\" \/>\n<meta property=\"og:site_name\" content=\"SEPA XML GENERATOR\" \/>\n<meta property=\"article:published_time\" content=\"2026-02-19T15:20:10+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-02-19T16:58:36+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.sepaxmlgenerator.com\/wp-content\/uploads\/2026\/02\/ISO-20022-SEPA-XML-GENERATOR-Direct-Debits-and-Credit-Transfers.png\" \/>\n\t<meta property=\"og:image:width\" content=\"918\" \/>\n\t<meta property=\"og:image:height\" content=\"532\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"SEPA XML GENERATOR\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Escrito por\" \/>\n\t<meta name=\"twitter:data1\" content=\"SEPA XML GENERATOR\" \/>\n\t<meta name=\"twitter:label2\" content=\"Tiempo de lectura\" \/>\n\t<meta name=\"twitter:data2\" content=\"1 minuto\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.sepaxmlgenerator.com\\\/es\\\/blog\\\/sepa-iso-20022-el-generador-xml-sepa-es-ahora-compatible-para-ficheros-xml-de-adeudos-directos-y-transferencias-de-credito\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.sepaxmlgenerator.com\\\/es\\\/blog\\\/sepa-iso-20022-el-generador-xml-sepa-es-ahora-compatible-para-ficheros-xml-de-adeudos-directos-y-transferencias-de-credito\\\/\"},\"author\":{\"name\":\"SEPA XML GENERATOR\",\"@id\":\"https:\\\/\\\/www.sepaxmlgenerator.com\\\/es\\\/#\\\/schema\\\/person\\\/731a6aa4e0d4b8badea6d9268663edda\"},\"headline\":\"SEPA ISO 20022 &#8211; 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