Moving from Bg Max (Bankgiro Inbetalningar) to ISO 20022 XML: What You Need to Know

After 27 November 2026, Bg Max (Bankgiro Inbetalningar - Bankgiro Receivables) can no longer be used.

Due to changes that are being made in the Swedish market, Bankgiro Inbetalningar (including Image files) service will soon be phased out and replaced with ISO 20022 XML format.

Bankgiro Inbetalningar (Bankgiro Receivables) is Bankgirot's incoming payment service, which reports all incoming payments to your company's Bankgiro number in a file with a collective file format, Bg Max.

Danske Bank has set the deadline for 27 November 2026 (in line with the sector deadline). After the deadline Bankgirot will not process any payments in the old platform and consequently, no Bg Max files will be sent from Bankgirot.

Additionally, Bg Max files will only include payments processed on the old infrastructure after 8 September 2026. Payments processed on the new infrastructure will not be included in Bg Max files.

Bankgirot image files (Bildfil) - scanned pictures of the payment slips - will be discontinued from 10 October 2026.

What should you do now?

To avoid potential disruption to your payment reporting, we recommend switching to the ISO 20022 XML format as soon as possible. The XML format supports future changes and functionality, ensuring your incoming payments are processed smoothly.

From 8 September 2026, payments that are processed in the new infrastructure will no longer be included in Bg Max files. If you want to continue receiving information about all payments to your Bankgiro number via file, you will need to use the camt.053 or camt.054 (ISO 20022 XML) formats.

We are ready to send XML files to you immediately, and there is no need for new agreements.

If you use a payment system to receive reconciliation files

It is very likely that your payment system already supports files in the ISO 20022 XML. This means that you can start receiving reconciliation files to your system in the camt.053 and/or camt.054 format instead of the Bg Max format.

We suggest contacting your system provider to check if they can receive Danske Bank's version of the ISO 20022 XML format.