<?xml version="1.0" encoding="UTF-8"?>
<!--Generated by SWIFTStandards Workstation (build:R5.1.0.4) on 2005 Sep 13 16:04:25-->
<xs:schema xmlns:xs="http://www.w3.org/2001/XMLSchema" xmlns="urn:iso:std:iso:20022:xsd:pain.001.003.01" elementFormDefault="qualified" targetNamespace="urn:iso:std:iso:20022:xsd:pain.001.003.01">
<xs:element name="Document" type="Document"/>
<xs:complexType name="AccountIdentification1Choice">
<xs:sequence>
<xs:choice>
<xs:element name="IBAN" type="IBANIdentifier"/>
<xs:element name="BBAN" type="BBANIdentifier"/>
<xs:element name="UPIC" type="UPICIdentifier"/>
<xs:element name="DmstAcct" type="SimpleIdentificationInformation"/>
</xs:choice>
</xs:sequence>
</xs:complexType>
<xs:complexType name="AccountIdentification2">
<xs:sequence>
<xs:element name="IBAN" type="IBANIdentifier"/>
</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:complexType name="AmountType1Choice">
<xs:sequence>
<xs:choice>
<xs:element name="InstdAmt" type="CurrencyAndAmount"/>
<xs:element name="EqvtAmt" type="EquivalentAmount"/>
</xs:choice>
</xs:sequence>
</xs:complexType>
<xs:simpleType name="BBANIdentifier">
<xs:restriction base="xs:string">
<xs:pattern value="[a-zA-Z0-9]{1,30}"/>
</xs:restriction>
</xs:simpleType>
<xs:simpleType name="BEIIdentifier">
<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="BICIdentification1">
<xs:sequence>
<xs:element name="BIC" type="BICIdentifier"/>
</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:simpleType name="BatchBookingIndicator">
<xs:restriction base="xs:boolean"/>
</xs:simpleType>
<xs:simpleType name="CHIPSUniversalIdentifier">
<xs:restriction base="xs:string">
<xs:pattern value="CH[0-9]{6,6}"/>
</xs:restriction>
</xs:simpleType>
<xs:complexType name="CashAccount3">
<xs:sequence>
<xs:element name="Id" type="AccountIdentification1Choice"/>
<xs:element name="Tp" type="CashAccountType3Code" minOccurs="0" maxOccurs="1"/>
<xs:element name="Ccy" type="CurrencyCode" minOccurs="0" maxOccurs="1"/>
<xs:element name="Nm" type="Max70Text" minOccurs="0" maxOccurs="1"/>
</xs:sequence>
</xs:complexType>
<xs:simpleType name="CashAccountType3Code">
<xs:restriction base="xs:string">
<xs:enumeration value="CASH"/>
<xs:enumeration value="CHAR"/>
<xs:enumeration value="SACC"/>
<xs:enumeration value="CACC"/>
<xs:enumeration value="SVGS"/>
</xs:restriction>
</xs:simpleType>
<xs:simpleType name="CashClearingSystem2Code">
<xs:restriction base="xs:string">
<xs:enumeration value="RTG"/>
<xs:enumeration value="ACH"/>
<xs:enumeration value="CHI"/>
<xs:enumeration value="FDN"/>
</xs:restriction>
</xs:simpleType>
<xs:simpleType name="ChargeBearer1Code">
<xs:restriction base="xs:string">
<xs:enumeration value="OUR"/>
<xs:enumeration value="BEN"/>
<xs:enumeration value="SHA"/>
</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:simpleType name="CreditTransferType2Code">
<xs:restriction base="xs:string">
<xs:enumeration value="CORT"/>
<xs:enumeration value="SALA"/>
<xs:enumeration value="TREA"/>
<xs:enumeration value="CASH"/>
<xs:enumeration value="DIVI"/>
<xs:enumeration value="GOVT"/>
<xs:enumeration value="INTE"/>
<xs:enumeration value="LOAN"/>
<xs:enumeration value="PENS"/>
<xs:enumeration value="SECU"/>
<xs:enumeration value="SSBE"/>
<xs:enumeration value="SUPP"/>
<xs:enumeration value="TAXS"/>
<xs:enumeration value="TRAD"/>
<xs:enumeration value="VATX"/>
<xs:enumeration value="HEDG"/>
<xs:enumeration value="INTC"/>
</xs:restriction>
</xs:simpleType>
<xs:complexType name="CreditTransferTypeIdentification">
<xs:sequence>
<xs:choice>
<xs:element name="Cd" type="CreditTransferType2Code" minOccurs="0" maxOccurs="1"/>
<xs:element name="LclInstrm" type="Max35Text" minOccurs="0" maxOccurs="1"/>
</xs:choice>
<xs:element name="InstrPrty" type="Priority2Code" minOccurs="0" maxOccurs="1"/>
<xs:element name="SttlmPrty" type="SettlementPriorityChoice" minOccurs="0" maxOccurs="1"/>
</xs:sequence>
</xs:complexType>
<xs:simpleType name="CurrencyAndAmount_SimpleType">
<xs:restriction base="xs:decimal">
<xs:minInclusive value="0"/>
<xs:fractionDigits value="5"/>
<xs:totalDigits value="18"/>
</xs:restriction>
</xs:simpleType>
<xs:complexType name="CurrencyAndAmount">
<xs:simpleContent>
<xs:extension base="CurrencyAndAmount_SimpleType">
<xs:attribute name="Ccy" type="CurrencyCode" use="required"/>
</xs:extension>
</xs:simpleContent>
</xs:complexType>
<xs:simpleType name="CurrencyCode">
<xs:restriction base="xs:string">
<xs:pattern value="[A-Z]{3,3}"/>
</xs:restriction>
</xs:simpleType>
<xs:simpleType name="DecimalNumber">
<xs:restriction base="xs:decimal">
<xs:fractionDigits value="17"/>
<xs:totalDigits value="18"/>
</xs:restriction>
</xs:simpleType>
<xs:complexType name="Document">
<xs:sequence>
<xs:element name="pain.001.003.01" type="pain.001.003.01"/>
</xs:sequence>
</xs:complexType>
<xs:simpleType name="DocumentType1Code">
<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="RADM"/>
<xs:enumeration value="RPIN"/>
<xs:enumeration value="CMCN"/>
<xs:enumeration value="FXDR"/>
<xs:enumeration value="SOAC"/>
</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:simpleType name="EANGLNIdentifier">
<xs:restriction base="xs:string">
<xs:pattern value="[0-9]{13,13}"/>
</xs:restriction>
</xs:simpleType>
<xs:complexType name="EquivalentAmount">
<xs:sequence>
<xs:element name="Amt" type="CurrencyAndAmount"/>
<xs:element name="CcyOfTrf" type="CurrencyCode"/>
</xs:sequence>
</xs:complexType>
<xs:complexType name="GenericIdentification3">
<xs:sequence>
<xs:element name="Id" type="Max35Text"/>
<xs:element name="Issr" type="Max35Text" minOccurs="0" maxOccurs="1"/>
</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="GenericPaymentTransaction2">
<xs:sequence>
<xs:element name="PmtId" type="PaymentIdentification"/>
<xs:element name="Purp" type="PurposeChoice"/>
<xs:element name="Amt" type="AmountType1Choice"/>
<xs:element name="Cdtr" type="PartyIdentification1" minOccurs="0" maxOccurs="1"/>
<xs:element name="CdtrCtryOfRes" type="CountryCode" minOccurs="0" maxOccurs="1"/>
<xs:element name="FnlAgt" type="BICIdentification1"/>
<xs:element name="ChrgBr" type="ChargeBearer1Code"/>
<xs:element name="CdtrAcct" type="AccountIdentification2"/>
<xs:element name="XchgCtrctRef" type="Max35Text" minOccurs="0" maxOccurs="1"/>
<xs:element name="RmtInf" type="RemittanceInformation3Choice" minOccurs="0" maxOccurs="1"/>
</xs:sequence>
</xs:complexType>
<xs:complexType name="GroupInformation2">
<xs:sequence>
<xs:element name="GrpId" type="Max35Text"/>
<xs:element name="CreDtTm" type="ISODateTime"/>
<xs:element name="Authstn" type="Max128Text" minOccurs="0" maxOccurs="2"/>
<xs:element name="CtrlSum" type="DecimalNumber" minOccurs="0" maxOccurs="1"/>
<xs:element name="BtchBookg" type="BatchBookingIndicator" minOccurs="0" maxOccurs="1"/>
<xs:element name="NbOfTxs" type="Max15NumericText" minOccurs="0" maxOccurs="1"/>
<xs:element name="Grpg" type="GroupingIndicator" minOccurs="0" maxOccurs="1"/>
<xs:element name="InitgPty" type="PartyIdentification1"/>
<xs:element name="FwdgAgt" type="BICIdentification1" minOccurs="0" maxOccurs="1"/>
</xs:sequence>
</xs:complexType>
<xs:simpleType name="GroupingIndicator">
<xs:restriction base="xs:boolean"/>
</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:simpleType name="ISODate">
<xs:restriction base="xs:date"/>
</xs:simpleType>
<xs:simpleType name="ISODateTime">
<xs:restriction base="xs:dateTime"/>
</xs:simpleType>
<xs:simpleType name="Max128Text">
<xs:restriction base="xs:string">
<xs:minLength value="1"/>
<xs:maxLength value="128"/>
</xs:restriction>
</xs:simpleType>
<xs:simpleType name="Max140Text">
<xs:restriction base="xs:string">
<xs:minLength value="1"/>
<xs:maxLength value="140"/>
</xs:restriction>
</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="Max16Text">
<xs:restriction base="xs:string">
<xs:minLength value="1"/>
<xs:maxLength value="16"/>
</xs:restriction>
</xs:simpleType>
<xs:simpleType name="Max35Text">
<xs:restriction base="xs:string">
<xs:minLength value="1"/>
<xs:maxLength value="35"/>
</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:complexType name="NonFinancialInstitutionIdentification1">
<xs:sequence>
<xs:element name="BEI" type="BEIIdentifier" minOccurs="0" maxOccurs="1"/>
<xs:element name="EANGLN" type="EANGLNIdentifier" minOccurs="0" maxOccurs="1"/>
<xs:element name="USCHU" type="CHIPSUniversalIdentifier" minOccurs="0" maxOccurs="1"/>
<xs:element name="DUNS" type="DunsIdentifier" minOccurs="0" maxOccurs="1"/>
<xs:element name="BkPtyId" type="Max35Text" minOccurs="0" maxOccurs="1"/>
<xs:element name="TaxIdNb" type="Max35Text" minOccurs="0" maxOccurs="1"/>
<xs:element name="PrtryId" type="GenericIdentification3" minOccurs="0" maxOccurs="1"/>
</xs:sequence>
</xs:complexType>
<xs:complexType name="Party1Choice">
<xs:sequence>
<xs:choice>
<xs:element name="OrgId" type="NonFinancialInstitutionIdentification1"/>
<xs:element name="PrvtId" type="PersonIdentification2" minOccurs="1" maxOccurs="2"/>
</xs:choice>
</xs:sequence>
</xs:complexType>
<xs:complexType name="PartyIdentification1">
<xs:sequence>
<xs:element name="Nm" type="Max70Text" minOccurs="0" maxOccurs="1"/>
<xs:element name="PstlAdr" type="PostalAddress1" minOccurs="0" maxOccurs="1"/>
<xs:element name="Id" type="Party1Choice" minOccurs="0" maxOccurs="1"/>
</xs:sequence>
</xs:complexType>
<xs:complexType name="PaymentIdentification">
<xs:sequence>
<xs:element name="InstrId" type="Max35Text" minOccurs="0" maxOccurs="1"/>
<xs:element name="EndToEndId" type="Max35Text"/>
<xs:element name="PmtRmtId" type="Max35Text" minOccurs="0" maxOccurs="1"/>
</xs:sequence>
</xs:complexType>
<xs:complexType name="PaymentInformation7">
<xs:sequence>
<xs:element name="ReqdExctnDt" type="ISODate"/>
<xs:element name="CdtTrfTpId" type="CreditTransferTypeIdentification" minOccurs="0" maxOccurs="1"/>
<xs:element name="Dbtr" type="PartyIdentification1" minOccurs="0" maxOccurs="1"/>
<xs:element name="DbtrCtryOfRes" type="CountryCode" minOccurs="0" maxOccurs="1"/>
<xs:element name="DbtrAcct" type="CashAccount3"/>
<xs:element name="FrstAgt" type="BICIdentification1"/>
<xs:element name="ChrgsAcct" type="CashAccount3" minOccurs="0" maxOccurs="1"/>
<xs:element name="ChrgsAcctAgt" type="BICIdentification1" minOccurs="0" maxOccurs="1"/>
<xs:element name="PmtTx" type="GenericPaymentTransaction2" minOccurs="1" maxOccurs="unbounded"/>
</xs:sequence>
</xs:complexType>
<xs:simpleType name="PaymentPurpose1Code">
<xs:restriction base="xs:string">
<xs:enumeration value="SALA"/>
<xs:enumeration value="TREA"/>
<xs:enumeration value="ADVA"/>
<xs:enumeration value="AGRT"/>
<xs:enumeration value="ALMY"/>
<xs:enumeration value="BECH"/>
<xs:enumeration value="BENE"/>
<xs:enumeration value="BONU"/>
<xs:enumeration value="CASH"/>
<xs:enumeration value="CBFF"/>
<xs:enumeration value="CHAR"/>
<xs:enumeration value="COLL"/>
<xs:enumeration value="CMDT"/>
<xs:enumeration value="COMC"/>
<xs:enumeration value="COMM"/>
<xs:enumeration value="COST"/>
<xs:enumeration value="CPYR"/>
<xs:enumeration value="DIVI"/>
<xs:enumeration value="FREX"/>
<xs:enumeration value="GDDS"/>
<xs:enumeration value="GOVT"/>
<xs:enumeration value="IHRP"/>
<xs:enumeration value="INTC"/>
<xs:enumeration value="INSU"/>
<xs:enumeration value="INTE"/>
<xs:enumeration value="LICF"/>
<xs:enumeration value="LOAN"/>
<xs:enumeration value="LOAR"/>
<xs:enumeration value="NETT"/>
<xs:enumeration value="PAYR"/>
<xs:enumeration value="PENS"/>
<xs:enumeration value="REFU"/>
<xs:enumeration value="RENT"/>
<xs:enumeration value="ROYA"/>
<xs:enumeration value="SCVE"/>
<xs:enumeration value="SECU"/>
<xs:enumeration value="SSBE"/>
<xs:enumeration value="SUBS"/>
<xs:enumeration value="TAXS"/>
<xs:enumeration value="VATX"/>
<xs:enumeration value="COMT"/>
<xs:enumeration value="DBTC"/>
<xs:enumeration value="SUPP"/>
<xs:enumeration value="HEDG"/>
</xs:restriction>
</xs:simpleType>
<xs:complexType name="PaymentSchemeChoice">
<xs:sequence>
<xs:choice>
<xs:element name="Cd" type="CashClearingSystem2Code"/>
<xs:element name="PrtryInf" type="Max35Text"/>
</xs:choice>
</xs:sequence>
</xs:complexType>
<xs:complexType name="PersonIdentification2">
<xs:sequence>
<xs:choice>
<xs:element name="DrvrsLicNb" 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="OthrId" type="GenericIdentification4"/>
</xs:choice>
<xs:element name="Issr" type="Max35Text" minOccurs="0" maxOccurs="1"/>
</xs:sequence>
</xs:complexType>
<xs:complexType name="PostalAddress1">
<xs:sequence>
<xs:element name="AdrTp" type="AddressType2Code" minOccurs="0" maxOccurs="1"/>
<xs:element name="AdrLine" type="Max70Text" minOccurs="0" maxOccurs="5"/>
<xs:element name="StrtNm" type="Max70Text" minOccurs="0" maxOccurs="1"/>
<xs:element name="BldgNb" type="Max16Text" minOccurs="0" maxOccurs="1"/>
<xs:element name="PstCd" type="Max16Text" minOccurs="0" maxOccurs="1"/>
<xs:element name="TwnNm" type="Max35Text" minOccurs="0" maxOccurs="1"/>
<xs:element name="CtrySubDvsn" type="Max35Text" minOccurs="0" maxOccurs="1"/>
<xs:element name="Ctry" type="CountryCode"/>
</xs:sequence>
</xs:complexType>
<xs:simpleType name="Priority2Code">
<xs:restriction base="xs:string">
<xs:enumeration value="HIGH"/>
<xs:enumeration value="NORM"/>
</xs:restriction>
</xs:simpleType>
<xs:complexType name="PurposeChoice">
<xs:sequence>
<xs:choice>
<xs:element name="Prtry" type="Max35Text"/>
<xs:element name="Cd" type="PaymentPurpose1Code"/>
</xs:choice>
</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:complexType name="RemittanceInformation3Choice">
<xs:sequence>
<xs:choice>
<xs:element name="Ustrd" type="Max140Text"/>
<xs:element name="Strd" type="StructuredRemittanceInformation2"/>
</xs:choice>
</xs:sequence>
</xs:complexType>
<xs:complexType name="SettlementPriorityChoice">
<xs:sequence>
<xs:choice>
<xs:element name="Prty" type="Priority2Code"/>
<xs:element name="PmtSchme" type="PaymentSchemeChoice"/>
</xs:choice>
</xs:sequence>
</xs:complexType>
<xs:complexType name="SimpleIdentificationInformation">
<xs:sequence>
<xs:element name="Id" type="Max35Text"/>
</xs:sequence>
</xs:complexType>
<xs:complexType name="StructuredRemittanceInformation2">
<xs:sequence>
<xs:element name="RfrdDocTp" type="DocumentType1Code" minOccurs="0" maxOccurs="1"/>
<xs:element name="RfrdDocRltdDt" type="ISODate" minOccurs="0" maxOccurs="1"/>
<xs:element name="RfrdDocAmt" type="ReferredDocumentAmount1Choice" minOccurs="0" maxOccurs="unbounded"/>
<xs:element name="DocRefNb" type="Max35Text" minOccurs="0" maxOccurs="1"/>
<xs:element name="CdtrRef" type="Max35Text" minOccurs="0" maxOccurs="1"/>
<xs:element name="Invcr" type="PartyIdentification1" minOccurs="0" maxOccurs="1"/>
<xs:element name="Invcee" type="PartyIdentification1" minOccurs="0" maxOccurs="1"/>
</xs:sequence>
</xs:complexType>
<xs:simpleType name="UPICIdentifier">
<xs:restriction base="xs:string">
<xs:pattern value="[0-9]{8,17}"/>
</xs:restriction>
</xs:simpleType>
<xs:complexType name="pain.001.003.01">
<xs:sequence>
<xs:element name="GrpHdr" type="GroupInformation2"/>
<xs:element name="PmtInf" type="PaymentInformation7" minOccurs="1" maxOccurs="unbounded"/>
</xs:sequence>
</xs:complexType>
</xs:schema>
