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This document sets out the Implementation Guidelines for the XML Customer Credit Transfer Initiation
message UNIFI (ISO20022) - “pain.001.001.02” in the Netherlands.
The purpose of these Implementation Guidelines is to provide guidance on the use of the SEPA Credit
Transfer Initiation Message sent to banks, residing in The Netherlands. These guidelines for European
Credit Transfers are compliant with the Implementation Guidelines for Customer to Bank messages for
SEPA Credit Transfers, published by the European Payments council.