SEPA Character Set Checker
Validate payment field textSEPA payment schemes restrict the characters allowed in fields like creditor name, remittance information, and payment references. Characters outside this set — including accented letters (ü, é, ñ), symbols (&, @, #, €), and emoji — cause payment rejections at the bank. Paste any text to check it instantly.
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Allowed SEPA characters
A–Z · a–z · 0–9 · space · / - ? : ( ) . , ' +
Everything else — including accented characters (ä, ö, ü, é, ñ), currency symbols (€, £, $), and special chars (&, @, #, !, %) — is outside the SEPA restricted character set and will cause payment rejection or truncation at many banks.
Common real-world failures
- •Umlaut company names — "Müller GmbH" fails because ü is not in the SEPA set. Use "Mueller GmbH" or remove the umlaut.
- •Ampersand in names — "Smith & Jones" fails because & is not allowed. Use "Smith + Jones" or "Smith and Jones".
- •Euro sign in remittance — "Payment for €500 invoice" fails because € is not in the set. Spell it out or remove it.
- •Accented address fields — French street names like "Rue Réaumur" fail because é is outside the set.
- •Hashtag references — "Ref #INV-001" fails because # is not allowed. Use "Ref INV-001" instead.