SEPA payment record redaction is the removal of personal bank data from a euro transfer entry under the Payment Services Regulations 2017 (PSRs 2017), the FCA-supervised rules for UK payment services. anonym.plus marks each value on your device, so the entry stays auditable while payer data is shielded under UK GDPR.
When this applies
A SEPA entry lists the payer's account, name, and a reference line. You strip those under the PSRs 2017 before the record leaves your team.
How anonym.plus handles it
- Open the SEPA entry in anonym.plus on your device.
- The tool flags the account, name, and reference data.
- Local OCR reads a scanned mandate.
- Keep the message ID and value date you cite.
- Apply Mask or Replace to the account and name.
- Save the clean entry locally.
What you need to provide
- The SEPA entry or pain.001 file (XML, CSV, scan).
- An operator: Replace or Mask the bank value and name.
- Optional allow-list for message and end-to-end IDs.
PII & financial identifiers detected
| Category | anonym.plus entity type | Example |
|---|---|---|
| Bank | IBAN_CODE | GB29 NWBK 6016 1331 9268 19 → [IBAN] |
| Names | PERSON | payer Fischer → [PAYER] |
| Contact | EMAIL_ADDRESS | fischer@example.de → [EMAIL] |
| Amount | MONEY | £250.00 → [AMOUNT] |
| Org | ORGANIZATION | creditor name → [CREDITOR] |
| Dates | DATE_TIME | value date → [DATE] |
Compliance achieved
- Supports payment-data duties under the PSRs 2017 (FCA).
- Handles 48 languages, so EU payer names are read correctly.
- Offline handling keeps the bank value off any server, as the ICO expects.
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Limitations & cautions
A pain.001 XML packs many nested fields, so a custom schema may need a review. The tool flags known elements; verify an unusual file before you share it.
Frequently asked questions
Does the tool read an IBAN with spaces?
Yes. It flags the value whether spaced or compact, then masks or replaces it as you choose.
Can it process the pain.001 XML format?
Yes. It reads XML and CSV, flagging the payer and account elements in each entry.
Is the SEPA file uploaded?
No. The app is fully offline, so the bank data stays on your device.