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# Reimburse expense claims via XML SEPA

Our XML SEPA payment option allows Spendesk customers to reimburse multiple employees or requests at once.  
This is available to EEA-based companies.

# Reimburse several expenses at once

With the XML SEPA feature, you can easily prepare multiple expense reimbursements for several employees at the same time.

Simply:

1. Ensure that employees fill in their bank details under **Avatar > Profile** to use this feature.
2. Navigate to **Expense Claims > Schedule reimbursements**.
3. Choose the employees and expenses to reimburse.
4. Click on **Download & Pay - XML SEPA**.
5. If needed, edit the date for the expense reimbursement.

You can then upload the XML SEPA file to your bank's website.

Please note that it usually takes a few days for the reimbursement to be processed by your bank.

The reimbursement will appear on your employees' accounts under the label: "ID from Spendesk + employee's name and surname."

You can find previously reimbursed expenses under **Expense Claims > History**.

# SEPA countries

SEPA payments are only used for euro-denominated transactions. In Eurozone countries, the SEPA scheme applies to all bank accounts, including:

* Austria
* Belgium
* Cyprus
* Estonia
* Finland
* France
* Germany
* Greece
* Ireland
* Italy
* Latvia
* Lithuania
* Luxembourg
* Malta
* Monaco
* Netherlands
* Portugal
* Romania
* San Marino
* Slovakia
* Slovenia
* Spain

# FAQ

**How do I know if my bank supports XML SEPA?** You can check with your bank or review its online banking options to confirm support for XML SEPA file uploads.  
​

**What happens if the XML SEPA file upload fails?** If the upload fails, ensure the file is formatted correctly and that your bank supports XML SEPA. You can also use the .csv option as an alternative.  
​

**Can I reimburse expenses in other currencies using XML SEPA?** No, XML SEPA is only for euro-denominated transactions.  
​

**What happens if the recipient's bank account is closed?**

If the recipient’s bank account is closed, two scenarios are possible:

1. The bank of the closed account may transfer the funds to a different account, if arranged.
2. Alternatively, the funds will be rejected and returned to the sender.

**How are multiple expenses per employee handled?**  
If an employee has multiple approved expense claims, the XML SEPA file creates ​**one consolidated wire transfer**​ per employee. Example: If John has 3 expenses totaling €250, he receives one transfer of €250, not three separate transfers.