Moving from Telepay and BBS to ISO 20022 XML: What You Need to Know
From 1 May 2025, the Telepay and BBS formats can no longer be used
Due to changes that are being made in the Norwegian market, the Telepay and BBS formats are no longer updated and will therefore be phased out.
Danske Bank has set the deadline at 1 May 2025. Consequently, files submitted in these formats after 30 April 2025 will be rejected, and the payments included in such files will not be processed.
What should you do now?
To avoid potential disruption to your payment processing, we recommend that you switch to the ISO 20022 XML format as soon as possible and no later than 1 May 2025. The XML format supports future changes and functionality, ensuring that your payments are processed smoothly.
We are ready to receive XML files from you already now, and there is no need for new agreements, mandates or users.
If you use a Norwegian salary system
Your salary system may already be able to create files in the ISO 20022 XML format instead of the Telepay format.
This means that you need to start exporting the payments from your salary system in the XML Pain.001.001.03 format instead of the Telepay format. The XML payment file is then sent to Danske Bank as is the case today. We are ready to receive the XML format from you, no agreement and user changes are necessary.
Things to check before changing the payment format:
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If you create salary payments, you may want the payments to be confidential. Kindly use our File Validation Tool at https://danskeci.com/filevalidator to see if the payments are confidential.
To find out how to make your payment files confidential, please go to the Norwegian salary payment type on page 13 in the Danske Bank Message Implementation Guide (Danske Bank Guideline to payments in ISO 20022 XML format (pain.001.001.03)).
The link in the right column takes you to page 75 where you can see an example of a confidential salary payment.
The CONF tag shows that the payments are confidential:
The SALA tag shows that the payments are salary payments:
Where to find more information about ISO 20022 XML formats?
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Our Danske Bank Guideline to payments in ISO 20022 XML format (pain.001.001.03) PDF file provides examples. On page 13, a short description of salary payments is given, and there is also a link to the example files:
Moreover, just below there are examples of standard Norwegian payments with different message options: text messages, KID reference and multiple sub-specifications.
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To find out how to make your payment files confidential, please go to the Norwegian Salary payment type on page 13 in the Danske Bank Message Implementation Guide (Danske Bank Guideline to payments in ISO 20022 XML format (pain.001.001.03).
The link in the right column takes you to page 75 where you can see an example of a confidential salary payment.
The CONF tag shows that the payments are confidential:
The SALA tag shows that the payments are salary payments:
How to test ISO 20022 XML files?
You can use our https://danskeci.com/filevalidator to validate pain.001.001.03 payment initiation files against the overall ISO 20022 XML schema standard (XSD). If a file is schema-valid, the tool can also be used for validating the payments in the file. The test XML files can be tested using our File Validation Tool at https://danskeci.com/filevalidator
We recommend that you validate your pain.001.001.03 files prior to contacting our support teams as we see that errors are primarily related to the overall XML standard.
Additional information
A general description of ISO 20022 XML formats is given in the Danske Bank Message Implementation Guide.
Support
If you need help using District, please contact your local District Support.
If you require further assistance with testing files, please contact our Integration Services (INTS) team by sending an email to ints@danskebank.com.
Please note that INTS respond times are likely to increase as the deadline approaches. Therefore, we encourage you to start looking into switching to the new format at your earliest convenience.
FAQ
Related content
Channels and Security
Danske Bank offers a wide range of channels for data sharing. Here you will get an overview of the channels available and required security solutions for each channel.
Integration Services
In Danske Bank, we strive to deliver easy integration between our solutions and your business systems, such as ERP systems. We support ISO 20022 standard as a key lever to drive your integration costs down.
Upcoming changes
Here you will find information about upcoming changes to files, channels and security that may require changes for you as a customer or ERP provider.
