<?xml version="1.0" encoding="UTF-8"?>
<!-- edited with XMLSpy v2007 (http://www.altova.com) by Christian Ungerboeck (CSD Management Consulting GmbH) -->
<!-- Erstellt vom ZKA - 2007-01-17T11:22:27-->
<xs:schema xmlns:xs="http://www.w3.org/2001/XMLSchema" xmlns="urn:sepade:xsd:pain.001.001.02" targetNamespace="urn:sepade:xsd:pain.001.001.02" elementFormDefault="qualified">
	<xs:element name="Document" type="Document"/>
	<xs:simpleType name="Max35Text">
		<xs:restriction base="xs:string">
			<xs:minLength value="1"/>
			<xs:maxLength value="35"/>
		</xs:restriction>
	</xs:simpleType>
	<xs:simpleType name="ISODateTime">
		<xs:restriction base="xs:dateTime"/>
	</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="DecimalNumber">
		<xs:restriction base="xs:decimal">
			<xs:minExclusive value="0"/>
			<xs:fractionDigits value="2"/>
			<xs:totalDigits value="18"/>
		</xs:restriction>
	</xs:simpleType>
	<xs:simpleType name="Grouping1Code">
		<xs:restriction base="xs:string">
			<xs:enumeration value="GRPD"/>
		</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:simpleType name="CountryCode">
		<xs:restriction base="xs:string">
			<xs:pattern value="[A-Z]{2,2}"/>
		</xs:restriction>
	</xs:simpleType>
	<xs:complexType name="PostalAddress1">
		<xs:sequence>
			<xs:element name="AdrLine" type="Max70Text" maxOccurs="2"/>
			<xs:element name="Ctry" type="CountryCode"/>
		</xs:sequence>
	</xs:complexType>
	<xs:complexType name="PartyIdentification8">
		<xs:sequence>
			<xs:element name="Nm" type="Max70Text"/>
			<xs:element name="PstlAdr" type="PostalAddress1" minOccurs="0"/>
		</xs:sequence>
	</xs:complexType>
	<xs:complexType name="GroupHeader1">
		<xs:sequence>
			<xs:element name="MsgId" type="Max35Text"/>
			<xs:element name="CreDtTm" type="ISODateTime"/>
			<xs:element name="NbOfTxs" type="Max15NumericText"/>
			<xs:element name="CtrlSum" type="DecimalNumber" minOccurs="0"/>
			<xs:element name="Grpg" type="Grouping1Code"/>
			<xs:element name="InitgPty" type="PartyIdentification8"/>
		</xs:sequence>
	</xs:complexType>
	<xs:simpleType name="PaymentMethod3Code">
		<xs:restriction base="xs:string">
			<xs:enumeration value="TRF"/>
		</xs:restriction>
	</xs:simpleType>
	<xs:simpleType name="ServiceLevel1Code">
		<xs:restriction base="xs:string">
			<xs:enumeration value="SEPA"/>
		</xs:restriction>
	</xs:simpleType>
	<xs:complexType name="ServiceLevel2Choice">
		<xs:sequence>
			<xs:element name="Cd" type="ServiceLevel1Code"/>
		</xs:sequence>
	</xs:complexType>
	<xs:complexType name="PaymentTypeInformation1">
		<xs:sequence>
			<xs:element name="SvcLvl" type="ServiceLevel2Choice"/>
		</xs:sequence>
	</xs:complexType>
	<xs:simpleType name="ISODate">
		<xs:restriction base="xs:date"/>
	</xs:simpleType>
	<xs:simpleType name="IBANIdentifier">
		<xs:restriction base="xs:string">
			<xs:pattern value="[a-zA-Z]{2,2}[0-9]{2,2}[a-zA-Z0-9]{1,30}"/>
		</xs:restriction>
	</xs:simpleType>
	<xs:complexType name="AccountIdentification3Choice">
		<xs:sequence>
			<xs:element name="IBAN" type="IBANIdentifier"/>
		</xs:sequence>
	</xs:complexType>
	<xs:complexType name="CashAccount7">
		<xs:sequence>
			<xs:element name="Id" type="AccountIdentification3Choice"/>
		</xs:sequence>
	</xs:complexType>
	<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:complexType name="FinancialInstitutionIdentification5Choice">
		<xs:sequence>
			<xs:element name="BIC" type="BICIdentifier"/>
		</xs:sequence>
	</xs:complexType>
	<xs:complexType name="BranchAndFinancialInstitutionIdentification3">
		<xs:sequence>
			<xs:element name="FinInstnId" type="FinancialInstitutionIdentification5Choice"/>
		</xs:sequence>
	</xs:complexType>
	<xs:simpleType name="ChargeBearerType1Code">
		<xs:restriction base="xs:string">
			<xs:enumeration value="SLEV"/>
		</xs:restriction>
	</xs:simpleType>
	<xs:complexType name="PaymentIdentification1">
		<xs:sequence>
			<xs:element name="InstrId" type="Max35Text" minOccurs="0"/>
			<xs:element name="EndToEndId" type="Max35Text"/>
		</xs:sequence>
	</xs:complexType>
	<xs:simpleType name="CurrencyAndAmount_SimpleType">
		<xs:restriction base="xs:decimal">
			<xs:minExclusive value="0"/>
			<xs:fractionDigits value="2"/>
			<xs:totalDigits value="11"/>
		</xs:restriction>
	</xs:simpleType>
	<xs:complexType name="CurrencyAndAmount">
		<xs:simpleContent>
			<xs:extension base="CurrencyAndAmount_SimpleType">
				<xs:attribute name="Ccy" type="CurrencyCodeAttr" use="required"/>
			</xs:extension>
		</xs:simpleContent>
	</xs:complexType>
	<xs:simpleType name="CurrencyCodeAttr">
		<xs:restriction base="xs:string">
			<xs:pattern value="EUR"/>
		</xs:restriction>
	</xs:simpleType>
	<xs:complexType name="AmountType2Choice">
		<xs:sequence>
			<xs:element name="InstdAmt" type="CurrencyAndAmount"/>
		</xs:sequence>
	</xs:complexType>
	<xs:simpleType name="Max140Text">
		<xs:restriction base="xs:string">
			<xs:minLength value="1"/>
			<xs:maxLength value="140"/>
		</xs:restriction>
	</xs:simpleType>
	<xs:simpleType name="DocumentType2Code">
		<xs:restriction base="xs:string">
			<xs:enumeration value="MSIN"/>
			<xs:enumeration value="CNFA"/>
			<xs:enumeration value="DNFA"/>
			<xs:enumeration value="CINV"/>
			<xs:enumeration value="CREN"/>
			<xs:enumeration value="DEBN"/>
			<xs:enumeration value="HIRI"/>
			<xs:enumeration value="SBIN"/>
			<xs:enumeration value="CMCN"/>
			<xs:enumeration value="SOAC"/>
			<xs:enumeration value="DISP"/>
		</xs:restriction>
	</xs:simpleType>
	<xs:complexType name="ReferredDocumentType1">
		<xs:sequence>
			<xs:choice>
				<xs:element name="Cd" type="DocumentType2Code"/>
				<xs:element name="Prtry" type="Max35Text"/>
			</xs:choice>
			<xs:element name="Issr" type="Max35Text" minOccurs="0"/>
		</xs:sequence>
	</xs:complexType>
	<xs:complexType name="ReferredDocumentInformation1">
		<xs:sequence>
			<xs:element name="RfrdDocTp" type="ReferredDocumentType1" minOccurs="0"/>
			<xs:element name="RfrdDocNb" type="Max35Text" minOccurs="0"/>
		</xs:sequence>
	</xs:complexType>
	<xs:complexType name="ReferredDocumentAmount1Choice">
		<xs:sequence>
			<xs:choice>
				<xs:element name="DuePyblAmt" type="CurrencyAndAmount"/>
				<xs:element name="DscntApldAmt" type="CurrencyAndAmount"/>
				<xs:element name="RmtdAmt" type="CurrencyAndAmount"/>
				<xs:element name="CdtNoteAmt" type="CurrencyAndAmount"/>
				<xs:element name="TaxAmt" type="CurrencyAndAmount"/>
			</xs:choice>
		</xs:sequence>
	</xs:complexType>
	<xs:simpleType name="DocumentType3Code">
		<xs:restriction base="xs:string">
			<xs:enumeration value="RADM"/>
			<xs:enumeration value="RPIN"/>
			<xs:enumeration value="FXDR"/>
			<xs:enumeration value="DISP"/>
			<xs:enumeration value="PUOR"/>
			<xs:enumeration value="SCOR"/>
		</xs:restriction>
	</xs:simpleType>
	<xs:complexType name="CreditorReferenceType1">
		<xs:sequence>
			<xs:choice>
				<xs:element name="Cd" type="DocumentType3Code"/>
				<xs:element name="Prtry" type="Max35Text"/>
			</xs:choice>
			<xs:element name="Issr" type="Max35Text" minOccurs="0"/>
		</xs:sequence>
	</xs:complexType>
	<xs:complexType name="CreditorReferenceInformation1">
		<xs:sequence>
			<xs:element name="CdtrRefTp" type="CreditorReferenceType1" minOccurs="0"/>
			<xs:element name="CdtrRef" type="Max35Text" minOccurs="0"/>
		</xs:sequence>
	</xs:complexType>
	<xs:simpleType name="AddressType2Code">
		<xs:restriction base="xs:string">
			<xs:enumeration value="ADDR"/>
			<xs:enumeration value="PBOX"/>
			<xs:enumeration value="HOME"/>
			<xs:enumeration value="BIZZ"/>
			<xs:enumeration value="MLTO"/>
			<xs:enumeration value="DLVY"/>
		</xs:restriction>
	</xs:simpleType>
	<xs:simpleType name="Max16Text">
		<xs:restriction base="xs:string">
			<xs:minLength value="1"/>
			<xs:maxLength value="16"/>
		</xs:restriction>
	</xs:simpleType>
	<xs:complexType name="PostalAddress11">
		<xs:sequence>
			<xs:element name="AdrTp" type="AddressType2Code" minOccurs="0"/>
			<xs:element name="AdrLine" type="Max70Text" maxOccurs="2"/>
			<xs:element name="StrtNm" type="Max70Text" minOccurs="0"/>
			<xs:element name="BldgNb" type="Max16Text" minOccurs="0"/>
			<xs:element name="PstCd" type="Max16Text" minOccurs="0"/>
			<xs:element name="TwnNm" type="Max35Text" minOccurs="0"/>
			<xs:element name="CtrySubDvsn" type="Max35Text" minOccurs="0"/>
			<xs:element name="Ctry" type="CountryCode"/>
		</xs:sequence>
	</xs:complexType>
	<xs:simpleType name="IBEIIdentifier">
		<xs:restriction base="xs:string">
			<xs:pattern value="[A-Z]{2,2}[B-DF-HJ-NP-TV-XZ0-9]{7,7}[0-9]{1,1}"/>
		</xs:restriction>
	</xs:simpleType>
	<xs:simpleType name="EANGLNIdentifier">
		<xs:restriction base="xs:string">
			<xs:pattern value="[0-9]{13,13}"/>
		</xs:restriction>
	</xs:simpleType>
	<xs:simpleType name="CHIPSUniversalIdentifier">
		<xs:restriction base="xs:string">
			<xs:pattern value="CH[0-9]{6,6}"/>
		</xs:restriction>
	</xs:simpleType>
	<xs:simpleType name="DunsIdentifier">
		<xs:restriction base="xs:string">
			<xs:pattern value="[0-9]{9,9}"/>
		</xs:restriction>
	</xs:simpleType>
	<xs:complexType name="GenericIdentification3">
		<xs:sequence>
			<xs:element name="Id" type="Max35Text"/>
			<xs:element name="Issr" type="Max35Text" minOccurs="0"/>
		</xs:sequence>
	</xs:complexType>
	<xs:complexType name="OrganisationIdentification2">
		<xs:sequence>
			<xs:element name="BIC" type="BICIdentifier" minOccurs="0"/>
			<xs:element name="IBEI" type="IBEIIdentifier" minOccurs="0"/>
			<xs:element name="BEI" type="BICIdentifier" minOccurs="0"/>
			<xs:element name="EANGLN" type="EANGLNIdentifier" minOccurs="0"/>
			<xs:element name="USCHU" type="CHIPSUniversalIdentifier" minOccurs="0"/>
			<xs:element name="DUNS" type="DunsIdentifier" minOccurs="0"/>
			<xs:element name="BkPtyId" type="Max35Text" minOccurs="0"/>
			<xs:element name="TaxIdNb" type="Max35Text" minOccurs="0"/>
			<xs:element name="PrtryId" type="GenericIdentification3" minOccurs="0"/>
		</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:complexType name="GenericIdentification4">
		<xs:sequence>
			<xs:element name="Id" type="Max35Text"/>
			<xs:element name="IdTp" type="Max35Text"/>
		</xs:sequence>
	</xs:complexType>
	<xs:complexType name="PersonIdentification3">
		<xs:sequence>
			<xs:choice>
				<xs:element name="DrvrsLicNb" type="Max35Text"/>
				<xs:element name="CstmrNb" type="Max35Text"/>
				<xs:element name="SclSctyNb" type="Max35Text"/>
				<xs:element name="AlnRegnNb" type="Max35Text"/>
				<xs:element name="PsptNb" type="Max35Text"/>
				<xs:element name="TaxIdNb" type="Max35Text"/>
				<xs:element name="IdntyCardNb" type="Max35Text"/>
				<xs:element name="MplyrIdNb" type="Max35Text"/>
				<xs:element name="DtAndPlcOfBirth" type="DateAndPlaceOfBirth"/>
				<xs:element name="OthrId" type="GenericIdentification4"/>
			</xs:choice>
			<xs:element name="Issr" type="Max35Text" minOccurs="0"/>
		</xs:sequence>
	</xs:complexType>
	<xs:complexType name="Party2Choice">
		<xs:sequence>
			<xs:choice>
				<xs:element name="OrgId" type="OrganisationIdentification2"/>
				<xs:element name="PrvtId" type="PersonIdentification3" maxOccurs="4"/>
			</xs:choice>
		</xs:sequence>
	</xs:complexType>
	<xs:complexType name="PartyIdentification81">
		<xs:sequence>
			<xs:element name="Nm" type="Max70Text" minOccurs="0"/>
			<xs:element name="PstlAdr" type="PostalAddress11" minOccurs="0"/>
			<xs:element name="Id" type="Party2Choice" minOccurs="0"/>
			<xs:element name="CtryOfRes" type="CountryCode" minOccurs="0"/>
		</xs:sequence>
	</xs:complexType>
	<xs:complexType name="StructuredRemittanceInformation6">
		<xs:sequence>
			<xs:element name="RfrdDocInf" type="ReferredDocumentInformation1" minOccurs="0"/>
			<xs:element name="RfrdDocRltdDt" type="ISODate" minOccurs="0"/>
			<xs:element name="RfrdDocAmt" type="ReferredDocumentAmount1Choice" minOccurs="0" maxOccurs="999999"/>
			<xs:element name="CdtrRefInf" type="CreditorReferenceInformation1" minOccurs="0"/>
			<xs:element name="Invcr" type="PartyIdentification81" minOccurs="0"/>
			<xs:element name="Invcee" type="PartyIdentification81" minOccurs="0"/>
			<xs:element name="AddtlRmtInf" type="Max140Text" minOccurs="0"/>
		</xs:sequence>
	</xs:complexType>
	<xs:complexType name="RemittanceInformation1">
		<xs:sequence>
			<xs:choice>
				<xs:element name="Ustrd" type="Max140Text" minOccurs="0"/>
				<!-- Von der Verwendung des strukturierten Verwendungszweckes wird dringend abgeraten -->
				<xs:element name="Strd" type="StructuredRemittanceInformation6" minOccurs="0"/>
			</xs:choice>
		</xs:sequence>
	</xs:complexType>
	<xs:complexType name="CreditTransferTransactionInformation1">
		<xs:sequence>
			<xs:element name="PmtId" type="PaymentIdentification1"/>
			<xs:element name="Amt" type="AmountType2Choice"/>
			<xs:element name="CdtrAgt" type="BranchAndFinancialInstitutionIdentification3"/>
			<xs:element name="Cdtr" type="PartyIdentification8"/>
			<xs:element name="CdtrAcct" type="CashAccount7"/>
			<xs:element name="RmtInf" type="RemittanceInformation1" minOccurs="0"/>
		</xs:sequence>
	</xs:complexType>
	<xs:complexType name="PaymentInstructionInformation1">
		<xs:sequence>
			<xs:element name="PmtInfId" type="Max35Text" minOccurs="0"/>
			<xs:element name="PmtMtd" type="PaymentMethod3Code"/>
			<xs:element name="PmtTpInf" type="PaymentTypeInformation1"/>
			<xs:element name="ReqdExctnDt" type="ISODate"/>
			<xs:element name="Dbtr" type="PartyIdentification8"/>
			<xs:element name="DbtrAcct" type="CashAccount7"/>
			<xs:element name="DbtrAgt" type="BranchAndFinancialInstitutionIdentification3"/>
			<xs:element name="ChrgBr" type="ChargeBearerType1Code"/>
			<xs:element name="CdtTrfTxInf" type="CreditTransferTransactionInformation1" maxOccurs="unbounded"/>
		</xs:sequence>
	</xs:complexType>
	<xs:complexType name="pain.001.001.02">
		<xs:sequence>
			<xs:element name="GrpHdr" type="GroupHeader1"/>
			<xs:element name="PmtInf" type="PaymentInstructionInformation1"/>
		</xs:sequence>
	</xs:complexType>
	<xs:complexType name="Document">
		<xs:sequence>
			<xs:element name="pain.001.001.02" type="pain.001.001.02"/>
		</xs:sequence>
	</xs:complexType>
</xs:schema>
