This article explains how to fix the issue with the bank file header.

Cause

The bank file is rejected because of the wrong syntax in the file header.

Workaround

What do you need to do to solve the problem

1. Open the bank file via Notepad
   

2. On the second row find the text that looks like this below and delete it.
   <Document xmlns="http://www.six-interbank-clearing.com/de/pain.001.001.03.ch.02.xsd" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xsi:schemaLocation="http://www.six-interbank-clearing.com/de/pain.001.001.03.ch.02.xsd pain.001.001.03.ch.02.xsd">
   
   
   

3. Insert the below text into the same place and save the file
   <Document xmlns="urn:iso:std:iso:20022:tech:xsd:pain.001.001.03" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance">
   

   

How the end file looks when opened via browser

If you open the file before any changes, you'll see that it has a wrong header

<Document xmlns="http://www.six-interbank-clearing.com/de/pain.001.001.03.ch.02.xsd" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xsi:schemaLocation="http://www.six-interbank-clearing.com/de/pain.001.001.03.ch.02.xsd pain.001.001.03.ch.02.xsd">

After you've updated the file, the file will have the correct header

<Document xmlns="urn:iso:std:iso:20022:tech:xsd:pain.001.001.03" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance">