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 service (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.

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 and no later than 27 November 2026. The XML format supports future changes and functionality, ensuring your incoming payments are processed smoothly.

By 8 September 2026, you must have camt.053 or camt.054 (ISO 20022 XML) in place in order to receive detailed information about payments sent via the new payment infrastructure initiated to a Bankgiro number.

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.

If you send salary payments to Bankgirot in KI-Lön format

The last day to use the KI-Lön format was 14 November 2025. If you have not done so already, we recommend switching to the ISO 20022 XML format as soon as possible. Read more here.

If you send supplier payments in Bangirot’s Leverantörsbetalningar (LB) format

LB format (including Utlands-LB and salaries) will be discontinued after 12 May 2026. To read more about transition from LB files, please click here.