ISO 20022 XML File Validation Tool

When implementing ISO 20022 XML in your ERP/Finance/Treasury System it is important that you follow the overall standard given by the International Organization for Standardization (ISO) that Danske Bank has committed to follow.

This overall standard is technically described by the ISO organization and all banks supporting this international standard must ensure correct validation. Next level of validation is the payment logic, which is defined by Danske Bank, but still following the ISO standard.

This page will help and guide you to validate the payment initiation file pain.001.001.03 against the overall ISO 20022 XML schema standard (xsd) and not the Danske Bank payment logic.

We recommend you validate your pain.001.001.03 files prior to reaching out to our support as errors are primarily related to the overall XML standard.

Below you find a File Validation Tool that can easily help you to validate the pain.001.001.03 file according to the ISO 20022 XML Schema file (xsd).

How to use the File Validation Tool

In order to use the ISO 20022 XML File Validation Tool, be aware of the following:

  1. You can only upload pain.001.001.03 files
  2. The maximum file size allowed is 2MB
  3. Do not upload personal data - use test data
  4. If you choose to upload personal data, you are responsible for the legal basis of doing so
  5. Data uploaded will be stored for one year

Test Accounts

Please copy one or several of the following test accounts as the account to be debited to your test file:

Please note that you can also use:

  • Bankgiro number as the account to be debited for Swedish domestic payments
  • Account number and BIC SMPOLT22 as the account to be debited for transfers from account abroad

Upload Payment File

Validation Results

Schema Validation:

Please note that a wrong file type has been uploaded. In order to use the File Validation Tool you must use a pain.001.001.03 file.

Payment Status Reports

If you are interested in more details about the status of the file or status of the payments, please download the Payment Status Reports (PSRs). Please note that some feedback types within the payment file may result in no PSRs and likewise PSRs for completed payments will not be provided.

Payment Status Reports  

Please note that the estimated loading time is up to 2 minutes.


The Validation Tool has been developed by Danske Bank A/S (the “Bank”) and is available for anyone who wishes to validate a payment file in a format supported by the Validation Tool. The Validation Tool is for testing and information purposes only.

The customer is responsible for the validity of the content used in the Validation Tool. When using the Validation Tool the Bank reserves the right to block your access to the Validation Tool if conditions in your equipment, software or interfaces cause damage, disturbance or other inconvenience to the Bank or the Bank's IT infrastructure.

Please note that the Bank keeps the test data for a period of 1 years after which it is deleted. We recommend that you do not include live personal information or sensitive personal information in the test data. If the test data does contain personal information, you are responsible for ensuring that there is a valid legal basis for processing of such personal data.

When using the Validation Tool you are aware of and accept the risk in relation to (i) information becoming accessible to third parties as a result of errors or unauthorized instruction on the data transmission line; and (ii) a file being destroyed, lost, damaged, delayed or affected by transmission errors or omissions, e.g. during intermediate handling or processing of data content and any effect this may have on the tests result of the Validation Tool.

The Bank is not responsible for the content or accuracy of the files uploaded to the Validation Tool and the Bank shall not be held liable for any loss or damage (including any indirect or consequential loss) arising under or in connection with the use of the Validation Tool. The Bank reserves all rights in relation to the Validation Tool.

The Validation Tool is protected by copyright and is intended solely for use by the customers of the Bank. It may not be reproduced or distributed, in whole or in part, by any recipient for any purpose without the Bank's prior written consent.

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