Pancreta Bank offers companies the possibility of executing mass electronic payments for various purposes by crediting accounts held either at Pancreta Bank or at other banks of SEPA countries using the xml file format, in accordance to  ISO 20022 international standard in compliance with Regulation (EU) 260/2012 (SEPA).

A transaction (transfer) of SEPA specifications is defined as any electronic credit transfer transaction, within the European Union, which is implemented under the following conditions:

• country of destination belongs to SEPA
• the currency is Euro
• the only option in charge expenses is "SHA" (Share)

The Service supports the payment of amounts (mass credit transfers) to accounts held at Pancreta Bank (Onus payments) or at other banks within or outside SEPA/EEA (Offus payments), for repayment of financial obligations such as suppliers’ payments, payroll etc.

• The Company prepares a file with payment orders to be executed on the desired payment dates.
• Depending on the type of transaction there are two types of files with which the Company can execute a multiple transaction:

Payroll file (filetype: .csv or .txt)

In this case a single withdrawal from an account is being deposited to multiple third-party accounts held within Pancreta Bank

This file must have a sheet with exactly five (5) columns with the following data:

1. Column A contains the number “1” at all rows.
2. Column B contains the IBAN number of the payroll Account.
3. Column C contains the AFM (TAX number) of the employee.
4. Column D contains the amount (two decimals comma separated).
5. Column E contains a max 40-character free text field.

Multiple transaction file(filetype: .xls)

In this case multiple withdrawals from an account are deposited to multiple third-party accounts (within Pancreta Bank or other Banks).

This file must have a sheet with exactly six (6) columns with the following data:

1. Column A contains the Swift code of the employees account Bank (for former HSBC Greece, please use SWIFT: STPGGRAA).
2. Column B contains the IBAN number of the payroll Account.
3. Column C contains the AFM of the employee.
4. Column D contains the amount (two decimals comma separated).
5. Column E contains the Name and Surname of the employee.
6. Column F contains a max 30-character free text field.

• The Company uploads the aforementioned file to the xml conversion tool, available in pancretabank.gr 
• The extracted xml file is being uploaded to the Digital banking platform.