Was ist das für ein seltsames SEPA-XML-Export-Format?

Question

Beim Export der SEPA-Überweisungen entsteht eine *.cct Datei.
Unsere Sparkasse kann diese Datei nicht lesen/interpretieren.
Was mache ich dann nun mit dieser Datei ?
Warum wird nicht ein For,mat ausgegeben, das funktioniert?

Answer 1

Die Datei enthält ein gültiges XML.

Welche Datei-Endung hätte die Sparkasse denn gern?

Ist das denn auch SEPA, was erwartet wird, oder wollen die noch eine DTAUS-Datei (was aktuell noch überwiegend verwendet wird, denn SEPA darf nach EU-Recht nichts kosten, DTAUS schon)?

Comments

Hallo Herr Simon
die Sparkasse hätte gerne eine "*.xml"
Gruß
Eckart Waage

---

Nichts leichter als das. Dateinamen ändern. Aus "cct" einfach "xml" machen. Fertig.

---

Hat leider nicht geklappt. Kann das an dem UTF-8 liegen?

---

Unsere Sparkasse hat mir folgendes Vergleichsobjekt geschickt:

<?xml version="1.0" encoding="UTF-8" standalone="no"?>
<!-- Mit XMLSpy v2008 rel. 2 sp2 (http://www.altova.com) von benutzerservice benutzerservice (SIZ GmbH) bearbeitet -->
<!--Generated by SWIFTStandards Workstation (build:R6.1.0.2) on 2009 Jan 08 17:30:53-->
<xs:schema xmlns="urn:iso:std:iso:20022:tech:xsd:pain.001.002.03" xmlns:xs="http://www.w3.org/2001/XMLSchema" targetNamespace="urn:iso:std:iso:20022:tech:xsd:pain.001.002.03" elementFormDefault="qualified">
	<xs:element id="gdev-id-Document" type="Document"/>
	<xs:complexType id="gdev-id-AccountIdentificationSEPA">
		<xs:sequence>
			<xs:element id="gdev-id-IBAN" type="IBAN2007Identifier"/>
		</xs:sequence>
	</xs:complexType>
	<xs:simpleType id="gdev-id-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 id="gdev-id-ActiveOrHistoricCurrencyCode">
		<xs:restriction base="xs:string">
			<xs:pattern value="[A-Z]{3,3}"/>
		</xs:restriction>
	</xs:simpleType>
	<xs:complexType id="gdev-id-ActiveOrHistoricCurrencyAndAmountSEPA">
		<xs:simpleContent>
			<xs:extension base="ActiveOrHistoricCurrencyAndAmount_SimpleTypeSEPA">
				<xs:attribute id="gdev-id-Ccy" type="ActiveOrHistoricCurrencyCodeEUR" use="required"/>
			</xs:extension>
		</xs:simpleContent>
	</xs:complexType>
	<xs:simpleType id="gdev-id-ActiveOrHistoricCurrencyCodeEUR">
		<xs:restriction base="xs:string">
			<xs:enumeration value="EUR"/>
		</xs:restriction>
	</xs:simpleType>
	<xs:complexType id="gdev-id-AmountTypeSEPA">
		<xs:sequence>
			<xs:element id="gdev-id-InstdAmt" type="ActiveOrHistoricCurrencyAndAmountSEPA"/>
		</xs:sequence>
	</xs:complexType>
	<xs:simpleType id="gdev-id-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 id="gdev-id-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 id="gdev-id-BatchBookingIndicator">
		<xs:restriction base="xs:boolean"/>
	</xs:simpleType>
	<xs:complexType id="gdev-id-BranchAndFinancialInstitutionIdentificationSEPA1">
		<xs:sequence>
			<xs:element id="gdev-id-FinInstnId" type="FinancialInstitutionIdentificationSEPA1"/>
		</xs:sequence>
	</xs:complexType>
	<xs:complexType id="gdev-id-CashAccountSEPA1">
		<xs:sequence>
			<xs:element id="gdev-id-Id" type="AccountIdentificationSEPA"/>
			<xs:element id="gdev-id-Ccy" type="ActiveOrHistoricCurrencyCode" minOccurs="0"/>
		</xs:sequence>
	</xs:complexType>
	<xs:complexType id="gdev-id-CashAccountSEPA2">
		<xs:sequence>
			<xs:element id="gdev-id-Id" type="AccountIdentificationSEPA"/>
		</xs:sequence>
	</xs:complexType>
	<xs:complexType id="gdev-id-CategoryPurposeSEPA">
		<xs:sequence>
			<xs:element id="gdev-id-Cd" type="ExternalCategoryPurpose1Code"/>
		</xs:sequence>
	</xs:complexType>
	<xs:simpleType id="gdev-id-ChargeBearerTypeSEPACode">
		<xs:restriction base="xs:string">
			<xs:enumeration value="SLEV"/>
		</xs:restriction>
	</xs:simpleType>
	<xs:simpleType id="gdev-id-CountryCode">
		<xs:restriction base="xs:string">
			<xs:pattern value="[A-Z]{2,2}"/>
		</xs:restriction>
	</xs:simpleType>
	<xs:complexType id="gdev-id-CreditTransferTransactionInformationSCT">
		<xs:sequence>
			<xs:element id="gdev-id-PmtId" type="PaymentIdentificationSEPA"/>
			<xs:element id="gdev-id-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 id="gdev-id-Amt" type="AmountTypeSEPA"/>
			<xs:element id="gdev-id-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 id="gdev-id-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 id="gdev-id-CdtrAgt" type="BranchAndFinancialInstitutionIdentificationSEPA1"/>
			<xs:element id="gdev-id-Cdtr" type="PartyIdentificationSEPA2"/>
			<xs:element id="gdev-id-CdtrAcct" type="CashAccountSEPA2"/>
			<xs:element id="gdev-id-UltmtCdtr" type="PartyIdentificationSEPA1" minOccurs="0"/>
			<xs:element id="gdev-id-Purp" type="PurposeSEPA" minOccurs="0"/>
			<xs:element id="gdev-id-RmtInf" type="RemittanceInformationSEPA1Choice" minOccurs="0"/>
		</xs:sequence>
	</xs:complexType>
	<xs:complexType id="gdev-id-CreditorReferenceInformationSEPA1">
		<xs:sequence>
			<xs:element id="gdev-id-Tp" type="CreditorReferenceTypeSEPA"/>
			<xs:element id="gdev-id-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 id="gdev-id-CreditorReferenceTypeSEPA">
		<xs:sequence>
			<xs:element id="gdev-id-CdOrPrtry" type="CreditorReferenceTypeCodeSEPA"/>
			<xs:element id="gdev-id-Issr" type="Max35Text" minOccurs="0"/>
		</xs:sequence>
	</xs:complexType>
	<xs:complexType id="gdev-id-CreditorReferenceTypeCodeSEPA">
		<xs:sequence>
			<xs:element id="gdev-id-Cd" type="DocumentType3CodeSEPA"/>
		</xs:sequence>
	</xs:complexType>
	<xs:complexType id="gdev-id-CustomerCreditTransferInitiationV03">
		<xs:sequence>
			<xs:element id="gdev-id-GrpHdr" type="GroupHeaderSCT"/>
			<xs:element id="gdev-id-PmtInf" type="PaymentInstructionInformationSCT" maxOccurs="unbounded"/>
		</xs:sequence>
	</xs:complexType>
	<xs:complexType id="gdev-id-DateAndPlaceOfBirth">
		<xs:sequence>
			<xs:element id="gdev-id-BirthDt" type="ISODate"/>
			<xs:element id="gdev-id-PrvcOfBirth" type="Max35Text" minOccurs="0"/>
			<xs:element id="gdev-id-CityOfBirth" type="Max35Text"/>
			<xs:element id="gdev-id-CtryOfBirth" type="CountryCode"/>
		</xs:sequence>
	</xs:complexType>
	<xs:simpleType id="gdev-id-DecimalNumber">
		<xs:restriction base="xs:decimal">
			<xs:fractionDigits value="17"/>
			<xs:totalDigits value="18"/>
		</xs:restriction>
	</xs:simpleType>
	<xs:complexType id="gdev-id-Document">
		<xs:sequence>
			<xs:element id="gdev-id-CstmrCdtTrfInitn" type="CustomerCreditTransferInitiationV03"/>
		</xs:sequence>
	</xs:complexType>
	<xs:simpleType id="gdev-id-DocumentType3CodeSEPA">
		<xs:restriction base="xs:string">
			<xs:enumeration value="SCOR"/>
		</xs:restriction>
	</xs:simpleType>
	<xs:simpleType id="gdev-id-ExternalCategoryPurpose1Code">
		<xs:restriction base="xs:string">
			<xs:minLength value="1"/>
			<xs:maxLength value="4"/>
		</xs:restriction>
	</xs:simpleType>
	<xs:simpleType id="gdev-id-ExternalOrganisationIdentification1Code">
		<xs:restriction base="xs:string">
			<xs:minLength value="1"/>
			<xs:maxLength value="4"/>
		</xs:restriction>
	</xs:simpleType>
	<xs:simpleType id="gdev-id-ExternalPersonIdentification1Code">
		<xs:restriction base="xs:string">
			<xs:minLength value="1"/>
			<xs:maxLength value="4"/>
		</xs:restriction>
	</xs:simpleType>
	<xs:simpleType id="gdev-id-ExternalPurpose1Code">
		<xs:restriction base="xs:string">
			<xs:minLength value="1"/>
			<xs:maxLength value="4"/>
		</xs:restriction>
	</xs:simpleType>
	<xs:simpleType id="gdev-id-ServiceLevelSEPACode">
		<xs:restriction base="xs:string">
			<xs:enumeration value="SEPA"/>
		</xs:restriction>
	</xs:simpleType>
	<xs:complexType id="gdev-id-FinancialInstitutionIdentificationSEPA1">
		<xs:sequence>
			<xs:element id="gdev-id-BIC" type="BICIdentifier"/>
		</xs:sequence>
	</xs:complexType>
	<xs:complexType id="gdev-id-GenericOrganisationIdentification1">
		<xs:sequence>
			<xs:element id="gdev-id-Id" type="Max35Text"/>
			<xs:element id="gdev-id-SchmeNm" type="OrganisationIdentificationSchemeName1Choice" minOccurs="0"/>
			<xs:element id="gdev-id-Issr" type="Max35Text" minOccurs="0"/>
		</xs:sequence>
	</xs:complexType>
	<xs:complexType id="gdev-id-GenericPersonIdentification1">
		<xs:sequence>
			<xs:element id="gdev-id-Id" type="Max35Text"/>
			<xs:element id="gdev-id-SchmeNm" type="PersonIdentificationSchemeName1Choice" minOccurs="0"/>
			<xs:element id="gdev-id-Issr" type="Max35Text" minOccurs="0"/>
		</xs:sequence>
	</xs:complexType>
	<xs:complexType id="gdev-id-GroupHeaderSCT">
		<xs:sequence>
			<xs:element id="gdev-id-MsgId" type="RestrictedIdentificationSEPA1"/>
			<xs:element id="gdev-id-CreDtTm" type="ISODateTime"/>
			<xs:element id="gdev-id-NbOfTxs" type="Max15NumericText"/>
			<xs:element id="gdev-id-CtrlSum" type="DecimalNumber" minOccurs="0"/>
			<xs:element id="gdev-id-InitgPty" type="PartyIdentificationSEPA1"/>
		</xs:sequence>
	</xs:complexType>
	<xs:simpleType id="gdev-id-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 id="gdev-id-ISODate">
		<xs:restriction base="xs:date"/>
	</xs:simpleType>
	<xs:simpleType id="gdev-id-ISODateTime">
		<xs:restriction base="xs:dateTime"/>
	</xs:simpleType>
	<xs:simpleType id="gdev-id-Max140Text">
		<xs:restriction base="xs:string">
			<xs:minLength value="1"/>
			<xs:maxLength value="140"/>
		</xs:restriction>
	</xs:simpleType>
	<xs:simpleType id="gdev-id-Max15NumericText">
		<xs:restriction base="xs:string">
			<xs:pattern value="[0-9]{1,15}"/>
		</xs:restriction>
	</xs:simpleType>
	<xs:simpleType id="gdev-id-Max35Text">
		<xs:restriction base="xs:string">
			<xs:minLength value="1"/>
			<xs:maxLength value="35"/>
		</xs:restriction>
	</xs:simpleType>
	<xs:simpleType id="gdev-id-Max70Text">
		<xs:restriction base="xs:string">
			<xs:minLength value="1"/>
			<xs:maxLength value="70"/>
		</xs:restriction>
	</xs:simpleType>
	<xs:complexType id="gdev-id-OrganisationIdentificationSEPAChoice">
		<xs:sequence>
			<xs:choice>
				<xs:element id="gdev-id-BICOrBEI" type="AnyBICIdentifier"/>
				<xs:element id="gdev-id-Othr" type="GenericOrganisationIdentification1"/>
			</xs:choice>
		</xs:sequence>
	</xs:complexType>
	<xs:complexType id="gdev-id-OrganisationIdentificationSchemeName1Choice">
		<xs:sequence>
			<xs:choice>
				<xs:element id="gdev-id-Cd" type="ExternalOrganisationIdentification1Code"/>
				<xs:element id="gdev-id-Prtry" type="Max35Text"/>
			</xs:choice>
		</xs:sequence>
	</xs:complexType>
	<xs:complexType id="gdev-id-PartySEPAChoice">
		<xs:sequence>
			<xs:choice>
				<xs:element id="gdev-id-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 id="gdev-id-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 id="gdev-id-PartyIdentificationSEPA1">
		<xs:sequence>
			<xs:element id="gdev-id-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 id="gdev-id-Id" type="PartySEPAChoice" minOccurs="0"/>
		</xs:sequence>
	</xs:complexType>
	<xs:complexType id="gdev-id-PartyIdentificationSEPA2">
		<xs:sequence>
			<xs:element id="gdev-id-Nm" type="Max70Text">
				<xs:annotation>
					<xs:documentation>‘Name’ is limited to 70 characters
in length.</xs:documentation>
				</xs:annotation>
			</xs:element>
			<xs:element id="gdev-id-PstlAdr" type="PostalAddressSEPA" minOccurs="0"/>
			<xs:element id="gdev-id-Id" type="PartySEPAChoice" minOccurs="0"/>
		</xs:sequence>
	</xs:complexType>
	<xs:complexType id="gdev-id-PaymentIdentificationSEPA">
		<xs:sequence>
			<xs:element id="gdev-id-InstrId" type="RestrictedIdentificationSEPA1" minOccurs="0"/>
			<xs:element id="gdev-id-EndToEndId" type="RestrictedIdentificationSEPA1"/>
		</xs:sequence>
	</xs:complexType>
	<xs:complexType id="gdev-id-PaymentInstructionInformationSCT">
		<xs:sequence>
			<xs:element id="gdev-id-PmtInfId" type="RestrictedIdentificationSEPA1"/>
			<xs:element id="gdev-id-PmtMtd" type="PaymentMethodSCTCode">
				<xs:annotation>
					<xs:documentation>Only ‘TRF’ is allowed.</xs:documentation>
				</xs:annotation>
			</xs:element>
			<xs:element id="gdev-id-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 id="gdev-id-NbOfTxs" type="Max15NumericText" minOccurs="0"/>
			<xs:element id="gdev-id-CtrlSum" type="DecimalNumber" minOccurs="0"/>
			<xs:element id="gdev-id-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 id="gdev-id-ReqdExctnDt" type="ISODate"/>
			<xs:element id="gdev-id-Dbtr" type="PartyIdentificationSEPA2"/>
			<xs:element id="gdev-id-DbtrAcct" type="CashAccountSEPA1"/>
			<xs:element id="gdev-id-DbtrAgt" type="BranchAndFinancialInstitutionIdentificationSEPA1"/>
			<xs:element id="gdev-id-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 id="gdev-id-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 id="gdev-id-CdtTrfTxInf" type="CreditTransferTransactionInformationSCT" maxOccurs="unbounded"/>
		</xs:sequence>
	</xs:complexType>
	<xs:simpleType id="gdev-id-PaymentMethodSCTCode">
		<xs:restriction base="xs:string">
			<xs:enumeration value="TRF"/>
		</xs:restriction>
	</xs:simpleType>
	<xs:complexType id="gdev-id-PaymentTypeInformationSCT1">
		<xs:sequence>
			<xs:element id="gdev-id-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 id="gdev-id-SvcLvl" type="ServiceLevelSEPA"/>
			<xs:element id="gdev-id-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 id="gdev-id-PaymentTypeInformationSCT2">
		<xs:sequence>
			<xs:element id="gdev-id-SvcLvl" type="ServiceLevelSEPA"/>
			<xs:element id="gdev-id-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 id="gdev-id-PersonIdentificationSEPA1Choice">
		<xs:sequence>
			<xs:choice>
				<xs:element id="gdev-id-DtAndPlcOfBirth" type="DateAndPlaceOfBirth"/>
				<xs:element id="gdev-id-Othr" type="GenericPersonIdentification1"/>
			</xs:choice>
		</xs:sequence>
	</xs:complexType>
	<xs:complexType id="gdev-id-PersonIdentificationSchemeName1Choice">
		<xs:sequence>
			<xs:choice>
				<xs:element id="gdev-id-Cd" type="ExternalPersonIdentification1Code"/>
				<xs:element id="gdev-id-Prtry" type="Max35Text"/>
			</xs:choice>
		</xs:sequence>
	</xs:complexType>
	<xs:complexType id="gdev-id-PostalAddressSEPA">
		<xs:sequence>
			<xs:element id="gdev-id-Ctry" type="CountryCode" minOccurs="0"/>
			<xs:element id="gdev-id-AdrLine" type="Max70Text" minOccurs="0" maxOccurs="2"/>
		</xs:sequence>
	</xs:complexType>
	<xs:simpleType id="gdev-id-Priority2Code">
		<xs:restriction base="xs:string">
			<xs:enumeration value="HIGH"/>
			<xs:enumeration value="NORM"/>
		</xs:restriction>
	</xs:simpleType>
	<xs:complexType id="gdev-id-PurposeSEPA">
		<xs:sequence>
			<xs:element id="gdev-id-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 id="gdev-id-RemittanceInformationSEPA1Choice">
		<xs:sequence>
			<xs:choice>
				<xs:element id="gdev-id-Ustrd" type="Max140Text"/>
				<xs:element id="gdev-id-Strd" type="StructuredRemittanceInformationSEPA1"/>
			</xs:choice>
		</xs:sequence>
	</xs:complexType>
	<xs:complexType id="gdev-id-ServiceLevelSEPA">
		<xs:sequence>
			<xs:element id="gdev-id-Cd" type="ServiceLevelSEPACode"/>
		</xs:sequence>
	</xs:complexType>
	<xs:complexType id="gdev-id-StructuredRemittanceInformationSEPA1">
		<xs:sequence>
			<xs:element id="gdev-id-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 id="gdev-id-RestrictedIdentificationSEPA1">
		<xs:restriction base="xs:string">
			<xs:pattern value="([A-Za-z0-9]|[\+|\?|/|\-|:|\(|\)|\.|,|'| ]){1,35}"/>
		</xs:restriction>
	</xs:simpleType>
</xs:schema>

---

Ich habe das mal so formatiert, dass es lesbar wird. Davon unbelassen: Bei anderen Banken/Sparkassen klappt das, also liegt das Problem eher nicht bei kivitendo. Eine detaillierte Untersuchung und Lösung sprengt aber den Rahmen des kostenfreien Forums.