<?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 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="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" />
			<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="ServiceLevelSEPACode">
		<xs:restriction base="xs:string">
			<xs:enumeration value="SEPA" />
		</xs:restriction>
	</xs:simpleType>
	<xs:complexType name="FinancialInstitutionIdentificationSEPA1">
		<xs:sequence>
			<xs:element name="BIC" type="BICIdentifier" />
		</xs:sequence>
	</xs:complexType>
	<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="BranchAndFinancialInstitutionIdentificationSEPA1" />
			<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="ServiceLevelSEPA" />
			<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="ServiceLevelSEPA" />
			<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="ServiceLevelSEPA">
		<xs:sequence>
			<xs:element name="Cd" type="ServiceLevelSEPACode" />
		</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>
