<?xml version="1.0" encoding="UTF-8"?>
<!-- SEPA Credit Transfer Customer Bank - 2007-09-05 -->
<xs:schema xmlns:xs="http://www.w3.org/2001/XMLSchema" xmlns="urn:sepade:xsd:pain.001.001.02" targetNamespace="urn:sepade:xsd:pain.001.001.02" elementFormDefault="qualified">
  <xs:element name="Document" type="Document"/>
  <xs:complexType name="AccountIdentification2">
    <xs:sequence>
      <xs:element name="IBAN" type="IBANIdentifier"/>
    </xs:sequence>
  </xs:complexType>
  <xs:simpleType name="AddressType2Code">
    <xs:restriction base="xs:string">
      <xs:enumeration value="ADDR"/>
      <xs:enumeration value="PBOX"/>
      <xs:enumeration value="HOME"/>
      <xs:enumeration value="BIZZ"/>
      <xs:enumeration value="MLTO"/>
      <xs:enumeration value="DLVY"/>
    </xs:restriction>
  </xs:simpleType>
  <xs:complexType name="AmountType3">
    <xs:sequence>
      <xs:element name="InstdAmt" type="EuroMax9Amount"/>
    </xs:sequence>
  </xs:complexType>
  <xs:simpleType name="BEIIdentifier">
    <xs:restriction base="xs:string">
      <xs:pattern value="[A-Z]{6,6}[A-Z2-9][A-NP-Z0-9]([A-Z0-9]{3,3}){0,1}"/>
    </xs:restriction>
  </xs:simpleType>
  <xs:simpleType name="BICIdentifier">
    <xs:restriction base="xs:string">
      <xs:pattern value="[A-Z]{6,6}[A-Z2-9][A-NP-Z0-9]([A-Z0-9]{3,3}){0,1}"/>
    </xs:restriction>
  </xs:simpleType>
  <xs:simpleType name="CHIPSUniversalIdentifier">
    <xs:restriction base="xs:string">
      <xs:pattern value="CH[0-9]{6,6}"/>
    </xs:restriction>
  </xs:simpleType>
  <xs:complexType name="CashAccount8">
    <xs:sequence>
      <xs:element name="Id" type="AccountIdentification2"/>
    </xs:sequence>
  </xs:complexType>
  <xs:simpleType name="ChargeBearerType2Code">
    <xs:restriction base="xs:string">
      <xs:enumeration value="SLEV"/>
    </xs:restriction>
  </xs:simpleType>
  <xs:simpleType name="CountryCode">
    <xs:restriction base="xs:string">
      <xs:pattern value="[A-Z]{2,2}"/>
    </xs:restriction>
  </xs:simpleType>
  <xs:complexType name="CreditTransferTransactionInformation2">
    <xs:sequence>
      <xs:element name="PmtId" type="PaymentIdentification1"/>
      <xs:element name="Amt" type="AmountType3">
        <xs:annotation>
          <xs:documentation>AT-04 credit transfer amount in EURO</xs:documentation>
        </xs:annotation>
      </xs:element>
      <xs:element name="CdtrAgt" type="FinancialInstitution2">
        <xs:annotation>
          <xs:documentation>AT-23 BIC of the bank of the creditor</xs:documentation>
        </xs:annotation>
      </xs:element>
      <xs:element name="Cdtr" type="PartyIdentification21"/>
      <xs:element name="CdtrAcct" type="CashAccount8">
        <xs:annotation>
          <xs:documentation>AT-20 account number of the creditor (IBAN)</xs:documentation>
        </xs:annotation>
      </xs:element>
      <xs:element name="RmtInf" type="RemittanceInformation3" minOccurs="0">
        <xs:annotation>
          <xs:documentation>AT-05 remittance information</xs:documentation>
        </xs:annotation>
      </xs:element>
    </xs:sequence>
  </xs:complexType>
  <xs:complexType name="CreditorReferenceInformation1">
    <xs:sequence>
      <xs:element name="CdtrRefTp" type="CreditorReferenceType1" minOccurs="0"/>
      <xs:element name="CdtrRef" type="Max35Text" minOccurs="0"/>
    </xs:sequence>
  </xs:complexType>
  <xs:complexType name="CreditorReferenceType1">
    <xs:sequence>
      <xs:choice>
        <xs:element name="Cd" type="DocumentType3Code"/>
        <xs:element name="Prtry" type="Max35Text"/>
      </xs:choice>
      <xs:element name="Issr" type="Max35Text" minOccurs="0"/>
    </xs:sequence>
  </xs:complexType>
  <xs:simpleType name="CurrencyAndAmount_SimpleType">
    <xs:restriction base="xs:decimal">
      <xs:minInclusive value="0"/>
      <xs:fractionDigits value="5"/>
      <xs:totalDigits value="18"/>
    </xs:restriction>
  </xs:simpleType>
  <xs:complexType name="CurrencyAndAmount">
    <xs:simpleContent>
      <xs:extension base="CurrencyAndAmount_SimpleType">
        <xs:attribute name="Ccy" type="CurrencyCode" use="required"/>
      </xs:extension>
    </xs:simpleContent>
  </xs:complexType>
  <xs:simpleType name="CurrencyCode">
    <xs:restriction base="xs:string">
      <xs:pattern value="[A-Z]{3,3}"/>
    </xs:restriction>
  </xs:simpleType>
  <xs:complexType name="DateAndPlaceOfBirth">
    <xs:sequence>
      <xs:element name="BirthDt" type="ISODate"/>
      <xs:element name="PrvcOfBirth" type="Max35Text" minOccurs="0"/>
      <xs:element name="CityOfBirth" type="Max35Text"/>
      <xs:element name="CtryOfBirth" type="CountryCode"/>
    </xs:sequence>
  </xs:complexType>
  <xs:simpleType name="DecimalNumber">
    <xs:restriction base="xs:decimal">
      <xs:fractionDigits value="17"/>
      <xs:totalDigits value="18"/>
    </xs:restriction>
  </xs:simpleType>
  <xs:complexType name="Document">
    <xs:sequence>
      <xs:element name="pain.001.001.02" type="pain.001.001.02"/>
    </xs:sequence>
  </xs:complexType>
  <xs:simpleType name="DocumentType2Code">
    <xs:restriction base="xs:string">
      <xs:enumeration value="MSIN"/>
      <xs:enumeration value="CNFA"/>
      <xs:enumeration value="DNFA"/>
      <xs:enumeration value="CINV"/>
      <xs:enumeration value="CREN"/>
      <xs:enumeration value="DEBN"/>
      <xs:enumeration value="HIRI"/>
      <xs:enumeration value="SBIN"/>
      <xs:enumeration value="CMCN"/>
      <xs:enumeration value="SOAC"/>
      <xs:enumeration value="DISP"/>
    </xs:restriction>
  </xs:simpleType>
  <xs:simpleType name="DocumentType3Code">
    <xs:restriction base="xs:string">
      <xs:enumeration value="RADM"/>
      <xs:enumeration value="RPIN"/>
      <xs:enumeration value="FXDR"/>
      <xs:enumeration value="DISP"/>
      <xs:enumeration value="PUOR"/>
      <xs:enumeration value="SCOR"/>
    </xs:restriction>
  </xs:simpleType>
  <xs:simpleType name="DunsIdentifier">
    <xs:restriction base="xs:string">
      <xs:pattern value="[0-9]{9,9}"/>
    </xs:restriction>
  </xs:simpleType>
  <xs:simpleType name="EANGLNIdentifier">
    <xs:restriction base="xs:string">
      <xs:pattern value="[0-9]{13,13}"/>
    </xs:restriction>
  </xs:simpleType>
  <xs:simpleType name="EurMax9Amount_SimpleType">
    <xs:restriction base="xs:decimal">
      <xs:minInclusive value="0.01"/>
      <xs:fractionDigits value="2"/>
      <xs:totalDigits value="11"/>
      <xs:maxInclusive value="999999999.99"/>
    </xs:restriction>
  </xs:simpleType>
  <xs:complexType name="EuroMax9Amount">
    <xs:simpleContent>
      <xs:extension base="EurMax9Amount_SimpleType">
        <xs:attribute name="Ccy" type="EuroCurrencyCode" use="required"/>
      </xs:extension>
    </xs:simpleContent>
  </xs:complexType>
  <xs:simpleType name="EuroCurrencyCode">
    <xs:restriction base="xs:string">
      <xs:pattern value="EUR"/>
    </xs:restriction>
  </xs:simpleType>
  <xs:complexType name="FinancialInstitution2">
    <xs:sequence>
      <xs:element name="FinInstnId" type="FinancialInstitutionIdentification4"/>
    </xs:sequence>
  </xs:complexType>
  <xs:complexType name="FinancialInstitutionIdentification4">
    <xs:sequence>
      <xs:element name="BIC" type="BICIdentifier"/>
    </xs:sequence>
  </xs:complexType>
  <xs:complexType name="GenericIdentification3">
    <xs:sequence>
      <xs:element name="Id" type="Max35Text"/>
      <xs:element name="Issr" type="Max35Text" minOccurs="0"/>
    </xs:sequence>
  </xs:complexType>
  <xs:complexType name="GenericIdentification4">
    <xs:sequence>
      <xs:element name="Id" type="Max35Text"/>
      <xs:element name="IdTp" type="Max35Text"/>
    </xs:sequence>
  </xs:complexType>
  <xs:complexType name="GroupHeader20">
    <xs:sequence>
      <xs:element name="MsgId" type="Max35Text"/>
      <xs:element name="CreDtTm" type="ISODateTime"/>
      <xs:element name="NbOfTxs" type="Max15NumericText"/>
      <xs:element name="CtrlSum" type="DecimalNumber" minOccurs="0">
        <xs:annotation>
          <xs:documentation>SEPA AOS
Can optionally be used as specification for the total amount of the file. </xs:documentation>
        </xs:annotation>
      </xs:element>
      <xs:element name="Grpg" type="Grouping2Code">
        <xs:annotation>
          <xs:documentation>Only the GRPD option may be used.</xs:documentation>
        </xs:annotation>
      </xs:element>
      <xs:element name="InitgPty" type="PartyIdentification20">
        <xs:annotation>
          <xs:documentation>Initiating party. </xs:documentation>
        </xs:annotation>
      </xs:element>
    </xs:sequence>
  </xs:complexType>
  <xs:simpleType name="Grouping2Code">
    <xs:restriction base="xs:string">
      <xs:enumeration value="GRPD"/>
    </xs:restriction>
  </xs:simpleType>
  <xs:simpleType name="IBANIdentifier">
    <xs:restriction base="xs:string">
      <xs:pattern value="[a-zA-Z]{2,2}[0-9]{2,2}[a-zA-Z0-9]{1,30}"/>
    </xs:restriction>
  </xs:simpleType>
  <xs:simpleType name="IBEIIdentifier">
    <xs:restriction base="xs:string">
      <xs:pattern value="[A-Z]{2,2}[B-DF-HJ-NP-TV-XZ0-9]{7,7}[0-9]{1,1}"/>
    </xs:restriction>
  </xs:simpleType>
  <xs:simpleType name="ISODate">
    <xs:restriction base="xs:date"/>
  </xs:simpleType>
  <xs:simpleType name="ISODateTime">
    <xs:restriction base="xs:dateTime"/>
  </xs:simpleType>
  <xs:simpleType name="Max140Text">
    <xs:restriction base="xs:string">
      <xs:minLength value="1"/>
      <xs:maxLength value="140"/>
    </xs:restriction>
  </xs:simpleType>
  <xs:simpleType name="Max15NumericText">
    <xs:restriction base="xs:string">
      <xs:pattern value="[0-9]{1,15}"/>
    </xs:restriction>
  </xs:simpleType>
  <xs:simpleType name="Max16Text">
    <xs:restriction base="xs:string">
      <xs:minLength value="1"/>
      <xs:maxLength value="16"/>
    </xs:restriction>
  </xs:simpleType>
  <xs:simpleType name="Max35Text">
    <xs:restriction base="xs:string">
      <xs:minLength value="1"/>
      <xs:maxLength value="35"/>
    </xs:restriction>
  </xs:simpleType>
  <xs:simpleType name="Max70Text">
    <xs:restriction base="xs:string">
      <xs:minLength value="1"/>
      <xs:maxLength value="70"/>
    </xs:restriction>
  </xs:simpleType>
  <xs:complexType name="OrganisationIdentification2">
    <xs:sequence>
      <xs:element name="BIC" type="BICIdentifier" minOccurs="0"/>
      <xs:element name="IBEI" type="IBEIIdentifier" minOccurs="0"/>
      <xs:element name="BEI" type="BEIIdentifier" minOccurs="0"/>
      <xs:element name="EANGLN" type="EANGLNIdentifier" minOccurs="0"/>
      <xs:element name="USCHU" type="CHIPSUniversalIdentifier" minOccurs="0"/>
      <xs:element name="DUNS" type="DunsIdentifier" minOccurs="0"/>
      <xs:element name="BkPtyId" type="Max35Text" minOccurs="0"/>
      <xs:element name="TaxIdNb" type="Max35Text" minOccurs="0"/>
      <xs:element name="PrtryId" type="GenericIdentification3" minOccurs="0"/>
    </xs:sequence>
  </xs:complexType>
  <xs:complexType name="Party2Choice">
    <xs:sequence>
      <xs:choice>
        <xs:element name="OrgId" type="OrganisationIdentification2"/>
        <xs:element name="PrvtId" type="PersonIdentification3" maxOccurs="4"/>
      </xs:choice>
    </xs:sequence>
  </xs:complexType>
  <xs:complexType name="Party5Choice">
    <xs:sequence>
      <xs:choice>
        <xs:element name="OrgId" type="OrganisationIdentification2"/>
        <xs:element name="PrvtId" type="PersonIdentification3"/>
      </xs:choice>
    </xs:sequence>
  </xs:complexType>
  <xs:complexType name="PartyIdentification8">
    <xs:sequence>
      <xs:element name="Nm" type="Max70Text" minOccurs="0"/>
      <xs:element name="PstlAdr" type="PostalAddress1" minOccurs="0"/>
      <xs:element name="Id" type="Party2Choice" minOccurs="0"/>
      <xs:element name="CtryOfRes" type="CountryCode" minOccurs="0"/>
    </xs:sequence>
  </xs:complexType>
  <xs:complexType name="PartyIdentification20">
    <xs:sequence>
      <xs:element name="Nm" type="Max70Text">
        <xs:annotation>
          <xs:documentation>AT-02 Name of the originator.</xs:documentation>
        </xs:annotation>
      </xs:element>
      <xs:element name="PstlAdr" type="PostalAddress5" minOccurs="0">
        <xs:annotation>
          <xs:documentation>AT-03 Address of the originator.</xs:documentation>
        </xs:annotation>
      </xs:element>
      <xs:element name="Id" type="Party5Choice" minOccurs="0">
        <xs:annotation>
          <xs:documentation>AT-10 - ID of the originator. Recommendation: This field should not be used.</xs:documentation>
        </xs:annotation>
      </xs:element>
    </xs:sequence>
  </xs:complexType>
  <xs:complexType name="PartyIdentification21">
    <xs:sequence>
      <xs:element name="Nm" type="Max70Text">
        <xs:annotation>
          <xs:documentation>AT-21 name of the creditor</xs:documentation>
        </xs:annotation>
      </xs:element>
      <xs:element name="PstlAdr" type="PostalAddress5" minOccurs="0">
        <xs:annotation>
          <xs:documentation>AT-22 address of the creditor</xs:documentation>
        </xs:annotation>
      </xs:element>
      <xs:element name="Id" type="Party5Choice" minOccurs="0">
        <xs:annotation>
          <xs:documentation>AT-24 ID of the creditor. Recommendation: This field should not be used.</xs:documentation>
        </xs:annotation>
      </xs:element>
    </xs:sequence>
  </xs:complexType>
  <xs:complexType name="PartyIdentification23">
    <xs:sequence>
      <xs:element name="Nm" type="Max70Text">
        <xs:annotation>
          <xs:documentation>AT-02 name of the debtor</xs:documentation>
        </xs:annotation>
      </xs:element>
      <xs:element name="PstlAdr" type="PostalAddress5" minOccurs="0">
        <xs:annotation>
          <xs:documentation>AT-03 address of the debtor</xs:documentation>
        </xs:annotation>
      </xs:element>
      <xs:element name="Id" type="Party5Choice" minOccurs="0">
        <xs:annotation>
          <xs:documentation>AT-10- ID of the debtor. Recommendation: This field should not be used.</xs:documentation>
        </xs:annotation>
      </xs:element>
    </xs:sequence>
  </xs:complexType>
  <xs:complexType name="PaymentIdentification1">
    <xs:sequence>
      <xs:element name="InstrId" type="Max35Text" minOccurs="0">
        <xs:annotation>
          <xs:documentation>This field should only be used by a technical service company that sets the field to its own reference.</xs:documentation>
        </xs:annotation>
      </xs:element>
      <xs:element name="EndToEndId" type="Max35Text">
        <xs:annotation>
          <xs:documentation>AT-41 Reference of the debtor. Rule of use: A reference must be specified. If no reference is specified, the value NOTPROVIDED must be supplied.</xs:documentation>
        </xs:annotation>
      </xs:element>
    </xs:sequence>
  </xs:complexType>
  <xs:complexType name="PaymentInstructionInformation4">
    <xs:sequence>
      <xs:element name="PmtInfId" type="Max35Text" minOccurs="0">
        <xs:annotation>
          <xs:documentation>SEPA AOS. Reference of the order. Not required if only GRPD is allowed (see element Grpg).</xs:documentation>
        </xs:annotation>
      </xs:element>
      <xs:element name="PmtMtd" type="PaymentMethod5Code"/>
      <xs:element name="PmtTpInf" type="PaymentTypeInformation7">
        <xs:annotation>
          <xs:documentation>AT-40 ID of applied schema</xs:documentation>
        </xs:annotation>
      </xs:element>
      <xs:element name="ReqdExctnDt" type="ISODate">
        <xs:annotation>
          <xs:documentation>AT-07 preset date of execution</xs:documentation>
        </xs:annotation>
      </xs:element>
      <xs:element name="Dbtr" type="PartyIdentification23"/>
      <xs:element name="DbtrAcct" type="CashAccount8">
        <xs:annotation>
          <xs:documentation>AT-01 - account number of the debtor (IBAN)</xs:documentation>
        </xs:annotation>
      </xs:element>
      <xs:element name="DbtrAgt" type="FinancialInstitution2">
        <xs:annotation>
          <xs:documentation>AT-06 BIC of the bank of the debtor</xs:documentation>
        </xs:annotation>
      </xs:element>
      <xs:element name="ChrgBr" type="ChargeBearerType2Code"/>
      <xs:element name="CdtTrfTxInf" type="CreditTransferTransactionInformation2" maxOccurs="unbounded"/>
    </xs:sequence>
  </xs:complexType>
  <xs:simpleType name="PaymentMethod5Code">
    <xs:restriction base="xs:string">
      <xs:enumeration value="TRF"/>
    </xs:restriction>
  </xs:simpleType>
  <xs:complexType name="PaymentTypeInformation7">
    <xs:sequence>
      <xs:element name="SvcLvl" type="ServiceLevel4"/>
    </xs:sequence>
  </xs:complexType>
  <xs:complexType name="PersonIdentification3">
    <xs:sequence>
      <xs:choice>
        <xs:element name="DrvrsLicNb" type="Max35Text"/>
        <xs:element name="CstmrNb" type="Max35Text"/>
        <xs:element name="SclSctyNb" type="Max35Text"/>
        <xs:element name="AlnRegnNb" type="Max35Text"/>
        <xs:element name="PsptNb" type="Max35Text"/>
        <xs:element name="TaxIdNb" type="Max35Text"/>
        <xs:element name="IdntyCardNb" type="Max35Text"/>
        <xs:element name="MplyrIdNb" type="Max35Text"/>
        <xs:element name="DtAndPlcOfBirth" type="DateAndPlaceOfBirth"/>
        <xs:element name="OthrId" type="GenericIdentification4"/>
      </xs:choice>
      <xs:element name="Issr" type="Max35Text" minOccurs="0"/>
    </xs:sequence>
  </xs:complexType>
  <xs:complexType name="PostalAddress1">
    <xs:sequence>
      <xs:element name="AdrTp" type="AddressType2Code" minOccurs="0"/>
      <xs:element name="AdrLine" type="Max70Text" minOccurs="0" maxOccurs="5"/>
      <xs:element name="StrtNm" type="Max70Text" minOccurs="0"/>
      <xs:element name="BldgNb" type="Max16Text" minOccurs="0"/>
      <xs:element name="PstCd" type="Max16Text" minOccurs="0"/>
      <xs:element name="TwnNm" type="Max35Text" minOccurs="0"/>
      <xs:element name="CtrySubDvsn" type="Max35Text" minOccurs="0"/>
      <xs:element name="Ctry" type="CountryCode"/>
    </xs:sequence>
  </xs:complexType>
  <xs:complexType name="PostalAddress5">
    <xs:sequence>
      <xs:element name="AdrLine" type="Max70Text" maxOccurs="2"/>
      <xs:element name="Ctry" type="CountryCode"/>
    </xs:sequence>
  </xs:complexType>
  <xs:complexType name="ReferredDocumentAmount1Choice">
    <xs:sequence>
      <xs:choice>
        <xs:element name="DuePyblAmt" type="CurrencyAndAmount"/>
        <xs:element name="DscntApldAmt" type="CurrencyAndAmount"/>
        <xs:element name="RmtdAmt" type="CurrencyAndAmount"/>
        <xs:element name="CdtNoteAmt" type="CurrencyAndAmount"/>
        <xs:element name="TaxAmt" type="CurrencyAndAmount"/>
      </xs:choice>
    </xs:sequence>
  </xs:complexType>
  <xs:complexType name="ReferredDocumentInformation1">
    <xs:sequence>
      <xs:element name="RfrdDocTp" type="ReferredDocumentType1" minOccurs="0"/>
      <xs:element name="RfrdDocNb" type="Max35Text" minOccurs="0"/>
    </xs:sequence>
  </xs:complexType>
  <xs:complexType name="ReferredDocumentType1">
    <xs:sequence>
      <xs:choice>
        <xs:element name="Cd" type="DocumentType2Code"/>
        <xs:element name="Prtry" type="Max35Text"/>
      </xs:choice>
      <xs:element name="Issr" type="Max35Text" minOccurs="0"/>
    </xs:sequence>
  </xs:complexType>
  <xs:complexType name="RemittanceInformation3">
    <xs:sequence>
      <xs:choice>
        <xs:element name="Ustrd" type="Max140Text"/>
        <xs:element name="Strd" type="StructuredRemittanceInformation6">
          <xs:annotation>
            <xs:documentation>Recommendation: Do not use this field. Rule of use: If the field is used nonetheless, the content (inlcuding contained XML tags and whitespace, but excluding the Strd tag itself) may not exceed 140 characters. </xs:documentation>
          </xs:annotation>
        </xs:element>
      </xs:choice>
    </xs:sequence>
  </xs:complexType>
  <xs:simpleType name="ServiceLevel3Code">
    <xs:restriction base="xs:string">
      <xs:enumeration value="SEPA"/>
    </xs:restriction>
  </xs:simpleType>
  <xs:complexType name="ServiceLevel4">
    <xs:sequence>
      <xs:element name="Cd" type="ServiceLevel3Code"/>
    </xs:sequence>
  </xs:complexType>
  <xs:complexType name="StructuredRemittanceInformation6">
    <xs:sequence>
      <xs:element name="RfrdDocInf" type="ReferredDocumentInformation1" minOccurs="0"/>
      <xs:element name="RfrdDocRltdDt" type="ISODate" minOccurs="0"/>
      <xs:element name="RfrdDocAmt" type="ReferredDocumentAmount1Choice" minOccurs="0" maxOccurs="unbounded"/>
      <xs:element name="CdtrRefInf" type="CreditorReferenceInformation1" minOccurs="0"/>
      <xs:element name="Invcr" type="PartyIdentification8" minOccurs="0"/>
      <xs:element name="Invcee" type="PartyIdentification8" minOccurs="0"/>
      <xs:element name="AddtlRmtInf" type="Max140Text" minOccurs="0"/>
    </xs:sequence>
  </xs:complexType>
  <xs:complexType name="pain.001.001.02">
    <xs:sequence>
      <xs:element name="GrpHdr" type="GroupHeader20"/>
      <xs:element name="PmtInf" type="PaymentInstructionInformation4"/>
    </xs:sequence>
  </xs:complexType>
</xs:schema>
