<?xml version="1.0" encoding="UTF-8" standalone="no"?>
<!-- Von der Deutschen Kreditwirtschaft bereitgestelltes Kunde-Bank-Schema für die SEPA-Überweisung; darüber hinaus auch nutzbar für taggleiche Eilzahlungen (non-SEPA) -->
<!-- Version gemäß DFÜ-Abkommen Anlage 3, Version 3.0, gültig ab November 2016 mit Umsetzung der EPC SCT IG 8.0 - Namespace analog ISO 20022 Edition 2009, da voll kompatibel, zudem inkl. aller EPC-Vorgaben -->
<!-- Mit XMLSpy v2008 rel. 2 sp2 (http://www.altova.com) im März 2016 von der SIZ GmbH (Wenzel) bearbeitet -->
<xs:schema xmlns="urn:iso:std:iso:20022:tech:xsd:pain.001.001.03" xmlns:xs="http://www.w3.org/2001/XMLSchema" targetNamespace="urn:iso:std:iso:20022:tech:xsd:pain.001.001.03" elementFormDefault="qualified">
	<xs:element name="Document" type="Document"/>
	<xs:complexType name="AccountIdentificationSEPA">
		<xs:sequence>
			<xs:element name="IBAN" type="IBAN2007Identifier"/>
		</xs:sequence>
	</xs:complexType>
	<xs:simpleType name="ActiveOrHistoricCurrencyAndAmount_SimpleTypeSEPA">
		<xs:restriction base="xs:decimal">
			<xs:minInclusive value="0.01"/>
			<xs:maxInclusive value="999999999.99"/>
			<xs:fractionDigits value="2"/>
			<xs:totalDigits value="11"/>
		</xs:restriction>
	</xs:simpleType>
	<xs:simpleType name="ActiveOrHistoricCurrencyCode">
		<xs:restriction base="xs:string">
			<xs:pattern value="[A-Z]{3,3}"/>
		</xs:restriction>
	</xs:simpleType>
	<xs:complexType name="ActiveOrHistoricCurrencyAndAmountSEPA">
		<xs:simpleContent>
			<xs:extension base="ActiveOrHistoricCurrencyAndAmount_SimpleTypeSEPA">
				<xs:attribute name="Ccy" type="ActiveOrHistoricCurrencyCodeEUR" use="required"/>
			</xs:extension>
		</xs:simpleContent>
	</xs:complexType>
	<xs:simpleType name="ActiveOrHistoricCurrencyCodeEUR">
		<xs:restriction base="xs:string">
			<xs:enumeration value="EUR"/>
		</xs:restriction>
	</xs:simpleType>
	<xs:complexType name="AmountTypeSEPA">
		<xs:sequence>
			<xs:element name="InstdAmt" type="ActiveOrHistoricCurrencyAndAmountSEPA"/>
		</xs:sequence>
	</xs:complexType>
	<xs:simpleType name="AnyBICIdentifier">
		<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="BatchBookingIndicator">
		<xs:restriction base="xs:boolean"/>
	</xs:simpleType>
	<xs:complexType name="BranchAndFinancialInstitutionIdentificationSEPA1">
		<xs:sequence>
			<xs:element name="FinInstnId" type="FinancialInstitutionIdentificationSEPA1"/>
		</xs:sequence>
	</xs:complexType>
	<xs:complexType name="BranchAndFinancialInstitutionIdentificationSEPA3">
		<xs:sequence>
			<xs:element name="FinInstnId" type="FinancialInstitutionIdentificationSEPA3"/>
		</xs:sequence>
	</xs:complexType>
	<xs:complexType name="CashAccountSEPA1">
		<xs:sequence>
			<xs:element name="Id" type="AccountIdentificationSEPA"/>
			<xs:element name="Ccy" type="ActiveOrHistoricCurrencyCode" minOccurs="0"/>
		</xs:sequence>
	</xs:complexType>
	<xs:complexType name="CashAccountSEPA2">
		<xs:sequence>
			<xs:element name="Id" type="AccountIdentificationSEPA"/>
		</xs:sequence>
	</xs:complexType>
	<xs:complexType name="CategoryPurposeSEPA">
		<xs:sequence>
			<xs:element name="Cd" type="ExternalCategoryPurpose1Code"/>
		</xs:sequence>
	</xs:complexType>
	<xs:simpleType name="ChargeBearerTypeSEPACode">
		<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="CreditTransferTransactionInformationSCT">
		<xs:sequence>
			<xs:element name="PmtId" type="PaymentIdentificationSEPA"/>
			<xs:element name="PmtTpInf" type="PaymentTypeInformationSCT2" minOccurs="0">
				<xs:annotation>
					<xs:documentation>If used, it is recommended to be used at ‘Payment Information’ level and not at ‘Credit Transfer Transaction Information’ level.</xs:documentation>
				</xs:annotation>
			</xs:element>
			<xs:element name="Amt" type="AmountTypeSEPA"/>
			<xs:element name="ChrgBr" type="ChargeBearerTypeSEPACode" minOccurs="0">
				<xs:annotation>
					<xs:documentation>It is recommended that this element be specified at ‘Payment Information’ level.</xs:documentation>
				</xs:annotation>
			</xs:element>
			<xs:element name="UltmtDbtr" type="PartyIdentificationSEPA1" minOccurs="0">
				<xs:annotation>
					<xs:documentation>This data element may be present either at ‘Payment Information’ or at ‘Credit Transfer Transaction Information’ level.</xs:documentation>
				</xs:annotation>
			</xs:element>
			<xs:element name="CdtrAgt" type="BranchAndFinancialInstitutionIdentificationSEPA1" minOccurs="0"/>
			<xs:element name="Cdtr" type="PartyIdentificationSEPA2"/>
			<xs:element name="CdtrAcct" type="CashAccountSEPA2"/>
			<xs:element name="UltmtCdtr" type="PartyIdentificationSEPA1" minOccurs="0"/>
			<xs:element name="Purp" type="PurposeSEPA" minOccurs="0"/>
			<xs:element name="RmtInf" type="RemittanceInformationSEPA1Choice" minOccurs="0"/>
		</xs:sequence>
	</xs:complexType>
	<xs:complexType name="CreditorReferenceInformationSEPA1">
		<xs:sequence>
			<xs:element name="Tp" type="CreditorReferenceTypeSEPA"/>
			<xs:element name="Ref" type="Max35Text">
				<xs:annotation>
					<xs:documentation>If a Creditor Reference contains a check digit, the receiving bank is not required to validate this.
If the receiving bank validates the check digit and if this validation fails, the bank may continue its processing and send the transaction to the next party in the chain.
RF Creditor Reference may be used (ISO 11649).</xs:documentation>
				</xs:annotation>
			</xs:element>
		</xs:sequence>
	</xs:complexType>
	<xs:complexType name="CreditorReferenceTypeSEPA">
		<xs:sequence>
			<xs:element name="CdOrPrtry" type="CreditorReferenceTypeCodeSEPA"/>
			<xs:element name="Issr" type="Max35Text" minOccurs="0"/>
		</xs:sequence>
	</xs:complexType>
	<xs:complexType name="CreditorReferenceTypeCodeSEPA">
		<xs:sequence>
			<xs:element name="Cd" type="DocumentType3CodeSEPA"/>
		</xs:sequence>
	</xs:complexType>
	<xs:complexType name="CustomerCreditTransferInitiationV03">
		<xs:sequence>
			<xs:element name="GrpHdr" type="GroupHeaderSCT"/>
			<xs:element name="PmtInf" type="PaymentInstructionInformationSCT" maxOccurs="unbounded"/>
		</xs:sequence>
	</xs:complexType>
	<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="CstmrCdtTrfInitn" type="CustomerCreditTransferInitiationV03"/>
		</xs:sequence>
	</xs:complexType>
	<xs:simpleType name="DocumentType3CodeSEPA">
		<xs:restriction base="xs:string">
			<xs:enumeration value="SCOR"/>
		</xs:restriction>
	</xs:simpleType>
	<xs:simpleType name="ExternalCategoryPurpose1Code">
		<xs:restriction base="xs:string">
			<xs:minLength value="1"/>
			<xs:maxLength value="4"/>
		</xs:restriction>
	</xs:simpleType>
	<xs:simpleType name="ExternalOrganisationIdentification1Code">
		<xs:restriction base="xs:string">
			<xs:minLength value="1"/>
			<xs:maxLength value="4"/>
		</xs:restriction>
	</xs:simpleType>
	<xs:simpleType name="ExternalPersonIdentification1Code">
		<xs:restriction base="xs:string">
			<xs:minLength value="1"/>
			<xs:maxLength value="4"/>
		</xs:restriction>
	</xs:simpleType>
	<xs:simpleType name="ExternalPurpose1Code">
		<xs:restriction base="xs:string">
			<xs:minLength value="1"/>
			<xs:maxLength value="4"/>
		</xs:restriction>
	</xs:simpleType>
	<xs:simpleType name="ExternalServiceLevel1Code">
		<xs:restriction base="xs:string">
			<xs:minLength value="1"/>
			<xs:maxLength value="4"/>
		</xs:restriction>
	</xs:simpleType>
	<xs:complexType name="FinancialInstitutionIdentificationSEPA1">
		<xs:sequence>
			<xs:element name="BIC" type="BICIdentifier"/>
		</xs:sequence>
	</xs:complexType>
	<xs:complexType name="FinancialInstitutionIdentificationSEPA3">
		<xs:sequence>
			<xs:choice>
				<xs:element name="BIC" type="BICIdentifier"/>
				<xs:element name="Othr" type="OthrIdentification"/>
			</xs:choice>
		</xs:sequence>
	</xs:complexType>
	<xs:complexType name="OthrIdentification">
		<xs:sequence>
			<xs:element name="Id" type="OthrIdentificationCode"/>
		</xs:sequence>
	</xs:complexType>
	<xs:simpleType name="OthrIdentificationCode">
		<xs:restriction base="xs:string">
			<xs:enumeration value="NOTPROVIDED"/>
		</xs:restriction>
	</xs:simpleType>
	<xs:complexType name="GenericOrganisationIdentification1">
		<xs:sequence>
			<xs:element name="Id" type="Max35Text"/>
			<xs:element name="SchmeNm" type="OrganisationIdentificationSchemeName1Choice" minOccurs="0"/>
			<xs:element name="Issr" type="Max35Text" minOccurs="0"/>
		</xs:sequence>
	</xs:complexType>
	<xs:complexType name="GenericPersonIdentification1">
		<xs:sequence>
			<xs:element name="Id" type="Max35Text"/>
			<xs:element name="SchmeNm" type="PersonIdentificationSchemeName1Choice" minOccurs="0"/>
			<xs:element name="Issr" type="Max35Text" minOccurs="0"/>
		</xs:sequence>
	</xs:complexType>
	<xs:complexType name="GroupHeaderSCT">
		<xs:sequence>
			<xs:element name="MsgId" type="RestrictedIdentificationSEPA1"/>
			<xs:element name="CreDtTm" type="ISODateTime"/>
			<xs:element name="NbOfTxs" type="Max15NumericText"/>
			<xs:element name="CtrlSum" type="DecimalNumber" minOccurs="0"/>
			<xs:element name="InitgPty" type="PartyIdentificationSEPA1"/>
		</xs:sequence>
	</xs:complexType>
	<xs:simpleType name="IBAN2007Identifier">
		<xs:restriction base="xs:string">
			<xs:pattern value="[A-Z]{2,2}[0-9]{2,2}[a-zA-Z0-9]{1,30}"/>
		</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="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="OrganisationIdentificationSEPAChoice">
		<xs:sequence>
			<xs:choice>
				<xs:element name="BICOrBEI" type="AnyBICIdentifier"/>
				<xs:element name="Othr" type="GenericOrganisationIdentification1"/>
			</xs:choice>
		</xs:sequence>
	</xs:complexType>
	<xs:complexType name="OrganisationIdentificationSchemeName1Choice">
		<xs:sequence>
			<xs:choice>
				<xs:element name="Cd" type="ExternalOrganisationIdentification1Code"/>
				<xs:element name="Prtry" type="Max35Text"/>
			</xs:choice>
		</xs:sequence>
	</xs:complexType>
	<xs:complexType name="PartySEPAChoice">
		<xs:sequence>
			<xs:choice>
				<xs:element name="OrgId" type="OrganisationIdentificationSEPAChoice">
					<xs:annotation>
						<xs:documentation>Either ‘BIC or BEI’ or one
occurrence of ‘Other’ is allowed.</xs:documentation>
					</xs:annotation>
				</xs:element>
				<xs:element name="PrvtId" type="PersonIdentificationSEPA1Choice">
					<xs:annotation>
						<xs:documentation>Either ‘Date and Place of Birth’ or one occurrence of ‘Other’ is allowed.</xs:documentation>
					</xs:annotation>
				</xs:element>
			</xs:choice>
		</xs:sequence>
	</xs:complexType>
	<xs:complexType name="PartyIdentificationSEPA1">
		<xs:sequence>
			<xs:element name="Nm" type="Max70Text" minOccurs="0">
				<xs:annotation>
					<xs:documentation>‘Name’ is limited to 70 characters
in length.</xs:documentation>
				</xs:annotation>
			</xs:element>
			<xs:element name="Id" type="PartySEPAChoice" minOccurs="0"/>
		</xs:sequence>
	</xs:complexType>
	<xs:complexType name="PartyIdentificationSEPA2">
		<xs:sequence>
			<xs:element name="Nm" type="Max70Text">
				<xs:annotation>
					<xs:documentation>‘Name’ is limited to 70 characters
in length.</xs:documentation>
				</xs:annotation>
			</xs:element>
			<xs:element name="PstlAdr" type="PostalAddressSEPA" minOccurs="0"/>
			<xs:element name="Id" type="PartySEPAChoice" minOccurs="0"/>
		</xs:sequence>
	</xs:complexType>
	<xs:complexType name="PaymentIdentificationSEPA">
		<xs:sequence>
			<xs:element name="InstrId" type="RestrictedIdentificationSEPA1" minOccurs="0"/>
			<xs:element name="EndToEndId" type="RestrictedIdentificationSEPA1"/>
		</xs:sequence>
	</xs:complexType>
	<xs:complexType name="PaymentInstructionInformationSCT">
		<xs:sequence>
			<xs:element name="PmtInfId" type="RestrictedIdentificationSEPA1"/>
			<xs:element name="PmtMtd" type="PaymentMethodSCTCode">
				<xs:annotation>
					<xs:documentation>Only ‘TRF’ is allowed.</xs:documentation>
				</xs:annotation>
			</xs:element>
			<xs:element name="BtchBookg" type="BatchBookingIndicator" minOccurs="0">
				<xs:annotation>
					<xs:documentation>If present and contains ‘true’, batch booking is requested. If present and contains ‘false’, booking per transaction is requested. If element is not present, pre-agreed customer-to-bank conditions apply.</xs:documentation>
				</xs:annotation>
			</xs:element>
			<xs:element name="NbOfTxs" type="Max15NumericText" minOccurs="0"/>
			<xs:element name="CtrlSum" type="DecimalNumber" minOccurs="0"/>
			<xs:element name="PmtTpInf" type="PaymentTypeInformationSCT1" minOccurs="0">
				<xs:annotation>
					<xs:documentation>If used, it is recommended to be used only at ‘Payment Information’ level and not at Credit Transfer Transaction Information’ level.
When Instruction Priority is to be used, ‘Payment Type Information’ must be present at ‘Payment Information’ level. </xs:documentation>
				</xs:annotation>
			</xs:element>
			<xs:element name="ReqdExctnDt" type="ISODate"/>
			<xs:element name="Dbtr" type="PartyIdentificationSEPA2"/>
			<xs:element name="DbtrAcct" type="CashAccountSEPA1"/>
			<xs:element name="DbtrAgt" type="BranchAndFinancialInstitutionIdentificationSEPA3"/>
			<xs:element name="UltmtDbtr" type="PartyIdentificationSEPA1" minOccurs="0">
				<xs:annotation>
					<xs:documentation>This data element may be present either at ‘Payment Information’ or at ‘Credit Transfer Transaction Information’ level.</xs:documentation>
				</xs:annotation>
			</xs:element>
			<xs:element name="ChrgBr" type="ChargeBearerTypeSEPACode" minOccurs="0">
				<xs:annotation>
					<xs:documentation>It is recommended that this element be specified at ‘Payment Information’ level.</xs:documentation>
				</xs:annotation>
			</xs:element>
			<xs:element name="CdtTrfTxInf" type="CreditTransferTransactionInformationSCT" maxOccurs="unbounded"/>
		</xs:sequence>
	</xs:complexType>
	<xs:simpleType name="PaymentMethodSCTCode">
		<xs:restriction base="xs:string">
			<xs:enumeration value="TRF"/>
		</xs:restriction>
	</xs:simpleType>
	<xs:complexType name="PaymentTypeInformationSCT1">
		<xs:sequence>
			<xs:element name="InstrPrty" type="Priority2Code" minOccurs="0">
				<xs:annotation>
					<xs:documentation>If present, pre-agreed customer-to-bank conditions apply.</xs:documentation>
				</xs:annotation>
			</xs:element>
			<xs:element name="SvcLvl" type="ServiceLevel"/>
			<xs:element name="CtgyPurp" type="CategoryPurposeSEPA" minOccurs="0">
				<xs:annotation>
					<xs:documentation>Depending on the agreement between the Originator and the Originator Bank, ‘Category Purpose’ may be forwarded to the Beneficiary Bank.</xs:documentation>
				</xs:annotation>
			</xs:element>
		</xs:sequence>
	</xs:complexType>
	<xs:complexType name="PaymentTypeInformationSCT2">
		<xs:sequence>
			<xs:element name="SvcLvl" type="ServiceLevel"/>
			<xs:element name="CtgyPurp" type="CategoryPurposeSEPA" minOccurs="0">
				<xs:annotation>
					<xs:documentation>Depending on the agreement between the Originator and the Originator Bank, ‘Category Purpose’ may be forwarded to the Beneficiary Bank.</xs:documentation>
				</xs:annotation>
			</xs:element>
		</xs:sequence>
	</xs:complexType>
	<xs:complexType name="PersonIdentificationSEPA1Choice">
		<xs:sequence>
			<xs:choice>
				<xs:element name="DtAndPlcOfBirth" type="DateAndPlaceOfBirth"/>
				<xs:element name="Othr" type="GenericPersonIdentification1"/>
			</xs:choice>
		</xs:sequence>
	</xs:complexType>
	<xs:complexType name="PersonIdentificationSchemeName1Choice">
		<xs:sequence>
			<xs:choice>
				<xs:element name="Cd" type="ExternalPersonIdentification1Code"/>
				<xs:element name="Prtry" type="Max35Text"/>
			</xs:choice>
		</xs:sequence>
	</xs:complexType>
	<xs:complexType name="PostalAddressSEPA">
		<xs:sequence>
			<xs:element name="Ctry" type="CountryCode" minOccurs="0"/>
			<xs:element name="AdrLine" type="Max70Text" minOccurs="0" maxOccurs="2"/>
		</xs:sequence>
	</xs:complexType>
	<xs:simpleType name="Priority2Code">
		<xs:restriction base="xs:string">
			<xs:enumeration value="HIGH"/>
			<xs:enumeration value="NORM"/>
		</xs:restriction>
	</xs:simpleType>
	<xs:complexType name="PurposeSEPA">
		<xs:sequence>
			<xs:element name="Cd" type="ExternalPurpose1Code">
				<xs:annotation>
					<xs:documentation>Only codes from the ISO 20022 ExternalPurposeCode list are allowed.</xs:documentation>
				</xs:annotation>
			</xs:element>
		</xs:sequence>
	</xs:complexType>
	<xs:complexType name="RemittanceInformationSEPA1Choice">
		<xs:sequence>
			<xs:choice>
				<xs:element name="Ustrd" type="Max140Text"/>
				<xs:element name="Strd" type="StructuredRemittanceInformationSEPA1"/>
			</xs:choice>
		</xs:sequence>
	</xs:complexType>
	<xs:complexType name="ServiceLevel">
		<xs:sequence>
			<xs:element name="Cd" type="ExternalServiceLevel1Code"/>
		</xs:sequence>
	</xs:complexType>
	<xs:complexType name="StructuredRemittanceInformationSEPA1">
		<xs:sequence>
			<xs:element name="CdtrRefInf" type="CreditorReferenceInformationSEPA1" minOccurs="0">
				<xs:annotation>
					<xs:documentation>When present, the receiving bank is not obliged to validate the the reference information. </xs:documentation>
				</xs:annotation>
			</xs:element>
		</xs:sequence>
	</xs:complexType>
	<xs:simpleType name="RestrictedIdentificationSEPA1">
		<xs:restriction base="xs:string">
			<xs:pattern value="([A-Za-z0-9]|[\+|\?|/|\-|:|\(|\)|\.|,|'| ]){1,35}"/>
		</xs:restriction>
	</xs:simpleType>
</xs:schema>
