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.
Frequently Asked Questions (FAQ)
27 November 2026 (same as sector deadline).
From 8 September 2026, Bg Max files will only include payments processed in the old infrastructure. 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. Customers that do not transition to
camt.053 or camt.054 messages will need to perform manual reconciliation for
payments processed via the new infrastructure.
Contact your system provider to check which file type(s) your system
supports.
You can use camt.053 (statement file) and camt.054 (entry file).
Contact your system
provider to check which file type(s) your system supports. For more details about camt files, visit the Reconciliation section on this page: ISO 20022 XML
To determine whether any action is required on your part, you should first check
whether you currently use Bg Max files for reconciliation of incoming payments.
If you do not currently use Bg Max files (for example if you use ELIN for
manual reconciliation), you do not need to do anything. You can check which file type you receive today in your business system
settings or by contacting your system provider.
If you currently use Bg Max files to reconcile incoming payments to your
business’s Bankgiro number, follow the steps below.
Contact your system provider to:
ensure that your system supports Danske Bank’s camt.053 and/or camt.054
format, also known as ISO 20022 XML
determine which of these formats you should use instead of the Bg Max file
Camt.053 - Account statement containing all account transactions, including opening
and closing balances. Camt.054 - Account statement without balances, where the content can be selected
from options such as all bank transactions or incoming payments.
Order a new file format
On the basis of your system provider’s recommendation, order a camt.053 or
camt.054 file according to the instructions below as soon as possible and
no later than 8 September 2026.
Our file format documentation is available in the Reconciliation section here:
ISO 20022 XML
You can order a camt.053 file in District by logging on and selecting: ‘Create’ -> ‘Create file order’ -> ‘Account statement’
You can order a camt.054 file by completing the order form here.
Contact your system
provider to check which file type(s) your system supports. For more details about camt files, visit the Reconciliation section on this page: ISO 20022 XML
You can find examples in the Reconciliation section on this page: ISO 20022 XML
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