Swedish Sector Transformation
Payment infrastructure in Sweden is undergoing modernisation works. We, together with other Swedish banks, are adapting our systems and services to ensure a steady transition to the new infrastructure.
The most important changes are:
- Migration from the existing Bankgirot’s file formats – KI, LB and BgMax – to the ISO 20022 XML format. It allows you to send multiple payment types in the same file format, offers richer data, enhanced security and is used worldwide.
- All file communication will no longer go via Bankgirot and will be routed via each bank instead.
Below you will find more information about the change, including the deadlines, details on Danske Bank’s version of ISO 20022 XML, example files, an implementation guide, and a link to our file testing tool. We have also prepared a section of Frequently Asked Questions (FAQ) that includes practical information about changing the format.
Danske Bank deadlines for Swedish legacy formats:
- KI-Lön - 14 November 2025.
- LB (Leverantörsbetalningar) - 12 May 2026.
- Account transfer with long-form advice - Gradually discontinued during 2026 (same as sector deadlines).
- Money orders (Värdeavier) - 8 September 2026.
- BG Max format - 27 November 2026 (same as sector deadline).
We invite you to review the information on this site and begin your transition today.
Click one of the boxes to read more
Benefits of moving to ISO 20022 XML format
A global, standardized format for all payment types
- You can initiate different types of payments across currencies in one file (versus several) allowing for simplification and cost savings
- When you need to update your payment files – e.g., due to regulation – you only need to update one file format
- ISO 20022 XML follows defined standards, meaning increased degree of standardization across systems and involved parties
You are prepared for the
future
- ISO 20022 XML is a flexible, extendable format which means it is possible to add or change information as needs an requirements change (e.g., due to regulation)
- By using ISO 20022 XML you are prepared for the future as ISO 20022 XML will support future changes and requirements
- ISO 20022 XML improves compliance screening making your payments safer
Access to all payment features and richer data
- New features and options will always be possible to utilize using ISO 20022 XML as future development will be focused on XML
- Since XML is extendable it allows for carrying more structured data for e.g. reconciliation
- You can use existing and new payment features when you prefer since ISO 20022 XML is a flexible format that allows you to conduct payments based on your needs
Support
To contact Swedish Customer Service please click here.
If you need help using District, please contact your local District Support.
To test your ISO 20022 XML files, please use our File Validation Tool.
Related content
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.
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.
File Validation Tool
Using the File Validation Tool you can validate pain.001.001.03 payment initiation files against the overall ISO 20022 XML schema standard (xsd).
