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Danske Bank will not accept LM02, LM03, SAPE and LUM2 formats for payments anymore and we recommend you to move to ISO 20022 XML formats.
On this site, you can find upcoming changes to files, channels and security.
In general, we recommend you to use the ISO 20022 XML format as this will support all future changes and features. Read more about benefits and how to switch to ISO 20022 XML formats and how to prepare your payment initiation files for future changes.
Latest update 7 March 2024
Watch video about ISO 20022 XML and read implementation guides
View benefits of moving to ISO 20022 XML
How to prepare your payment initiation files for future changes
FAQ about ISO 20022 XML
If you want to validate your pain.001.001.03 payment initiation files as part of the transition to XML, you can use our file validation tool.
Field/Feature | Mandatory or Optional | pain.001.001.03 MIG* Examples | EDIFACT MIG* Examples | MT101 MIG* Examples | Danske Bank format MIG* Examples | When can I add the field/feature to my payment file |
---|---|---|---|---|---|---|
Creditor name | Mandatory | Yes | Yes | Yes | Partly | Now |
Unstructured advice | Optional | Yes | Yes | Yes | Yes | Now*** |
OCR reference | Optional | Yes | Yes | Yes | Yes | Now** |
Invoice | Optional | Yes | No | No | No | To be confirmed |
RF reference | Optional | Yes | Partly - see MIG | No | Yes | To be confirmed |
Extended Remittance Information (ERI) | Optional | Yes | No | No | No | Partly - see Appendix K |
Ultimate creditor | Optional | Yes | No | No | No | Now - will be ignored |
Ultimate debtor | Optional | Yes | Yes | No | No | Now - will be ignored |
Salary | Optional | Yes | Yes | No | Yes | Now |
* Message Implementation Guide
** Already supported in local Swedish clearing
*** Already supported in local Swedish clearing as a payment with long form advice
When you send an ISO 20022 XML file to Danske Bank, then you can decide if you want your payments to be debited as single transactions or as a bulked amount.
To bulk debit a payment file, then the file must be structured with one debit transaction and two or more underlying credit transactions.
Example:
Single transactions (more <PmtInf> tags)
<PmtInf> Start payment 1
<DbtrAcct> Sender account payment 1
<CdtTrfTxInf> Start credit payment 1
<CdtrAcct> Beneficiary's account payment 1
</CdtTrfTxInf> End credit payment 1
</PmtInf> End payment 1
<PmtInf> Start payment 2
<DbtrAcct> Sender account payment 2
<CdtTrfTxInf> Start credit payment 2
<CdtrAcct> Beneficiary's account payment 2
</CdtTrfTxInf> End credit payment 2
</PmtInf> End payment 2
Bulked transaction (One <PmtInf> tag and more <CdtTrfTxInf> tags)
<PmtInf> Start bulk debit
<DbtrAcct> Sender account bulk debit
<CdtTrfTxInf> Start credit payment 1
<CdtrAcct> Beneficiary's account payment 1
</CdtTrfTxInf> End credit payment 1
<CdtTrfTxInf> Start credit payment 2
<CdtrAcct> Beneficiary's account payment 2
</CdtTrfTxInf> End credit payment 2
</PmtInf> End bulk debit
Please reach out to your ERP vendor to set up your system to fit your needs
Appendix B: Use of 2.3 BtchBookg gives detailed information about the <BtchBookg> tag and bulk debitering rules.
Danske Bank supports the following reconciliation file in ISO 20022 XML formats:
Please note! Bankgiro Recivebles (BGI) can be included in CAMT053 (extended) and CAMT054.
You can find more information about the reconciliation files here.
To order the reconciliation files, you need to contact: ints@danskebank.com (Please provide account number, file type, UserID)
For each pain.001.001.03 file, Danske Bank will create one or more pain.002.001.03 files (PSR)
Per default, a PSR on file level will be created and if any payment is rejected, then a PSR on payment level will be created too.
In the pain.001.001.03 file, you can choose which type of PSR you want.
Example:
If you do not want any feedback on payment level, then the <Authstn> tag can be used.
<Authstn>
<Prtry>Feedback=XI</Prtry>
</Authstn>
Danske Bank offers several types of PSRs on payment level – see Appendix A: Use of 1.3 Authstn
If you want to include invoices and credit notes in your domestic Swedish payments in ISO 20022 XML format, then you need to follow some rules:
Appendix K provides more detailed information about how to use invoices and credit notes.
Danske Bank offer several Swedish domestic payment types:
When the Swedish clearing channels have been updated, Nordic Credit transfer and Nordic Salary will replace the above payment types and Beneficiary's name will be mandatory.
Appendix L: provides more details about Nordic Credit Transfers and Nordic Salary (only SEK and from Swedish accounts).
If you have questions or need to know more, please reach out to:
integration-services@danskebank.com