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Moving from KI-Lön to ISO 20022 XML: What You Need to Know

 

After 14 November 2025, salary payments to Bankgirot in KI-Lön format can no longer be used
​Due to changes that are being made in the Swedish market, the KI-Lön format will soon be phased out and replaced with ISO 20022 XML format.

Danske Bank has set the deadline for 14 November 2025. Consequently, files submitted in Bankgirot’s KI-Lön format after 14 November 2025 will be rejected, and the payments included in such files will not be processed.
What should you do now?

To avoid potential disruption to your payment processing, we recommend that you switch to the ISO 20022 XML format as soon as possible and no later than 14 November 2025. The XML format supports future changes and functionality, ensuring that your payments are processed smoothly.

The main benefits of switching from KI to XML format are:

  • Improved cut-off time for the salary files
  • Improved overview in District
  • No paper-based reporting
  • Fewer rejected payments

We are ready to receive XML files from you already now, and there is no need for new agreements.

If you use a salary system to create salary files

It is very likely that your salary system can already create files in the ISO 20022 XML. This means that you can start exporting the payments from your salary system in the XML pain.001.001.03 format instead of the KI format. The XML payment file is then sent to Danske Bank as is the case today.

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

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

If you receive reconciliation files in Bg Max format (Bankgiro Inbetalningar - Bankgiro Receivables)

Bg Max format will be discontinued after 27 November 2026. To read more about the transition from Bg Max format, please click here.

Frequently Asked Questions (FAQ)

  • 14 November 2025 is the last day to use KI format.
  • 12 May 2026 is the last day to use LB format (including Utlands-LB and salaries). Read more here.

  • 27 November 2026 (same as sector deadline).

    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.
  • Yes, 12 May 2026 is the last day to use LB format, including Utlands-LB and salaries.
  • It depends on your current setup. Salary files in XML can only be approved by District users who have confidential user rights. Users without confidential rights will not be able to approve salaries in XML files unless they update their user rights. A user assigned as an Administrator in District can check and update user rights for other users.

  • No
  • No, there are no extra fees when moving to ISO 20022 XML.

  • All file communication will no longer go via Bankgirot and will be routed via each bank instead.

    You can send the files by uploading them in District or you can establish a direct communication connection to Danske Bank. If you would like to set up a new connection, please contact your system provider and the bank to explore the options available.
  • Kindly use our File Validation Tool at https://danskeci.com/filevalidator to test your files. Using the File Validation Tool, you can validate pain.001.001.03 payment initiation files against the overall ISO 20022 XML schema standard (XSD). If a file is schema-valid, the tool can also be used for validating the payments in the file.

    We recommend that you validate your pain.001.001.03 files prior to contacting our support teams as we see that errors are primarily related to the overall XML standard.
  • Company organisation number.
  • The payment date in <ReqdExctnDt> should be the date for when the beneficiary’s account will be credited.  The salary file must be sent to the bank at the latest at 12.30 the banking day before the payment date written in <ReqdExctnDt>. Ask your ERP-vendor how to set this up correctly in your system.
  • Receiver's account number is structured the same way as in KI. Please follow this link for details: Bankernaskontonummer
  • No, it is not mandatory to include your agreement number in your payment file.

  • Swedish salary and pension payments become confidential by default.

    To find out more, please go to the Swedish salary payment type on page 16 in the Danske Bank Message Implementation Guide Examples (Danske Bank Guideline to payments in ISO 20022 XML format (pain.001.001.03)).

    The link in the right column takes you to page 101 where you can see an example of a Swedish salary payment.

    The SALA tag shows that the payments are salary payments:

  • The payments in an XML file can be single-booked or batch-booked. It depends on the bulk instructions in the file. Kindly use our File Validation Tool at https://danskeci.com/filevalidator to see whether the payments are bulked.

    You can see how to use the XML batch booking tag and which payment types you can batch-book on page 7 in the PDF file - pain.001.001.03 Appendix.pdf.

  • Danske Bank’s XML format descriptions
    All our ISO 20022 XML format descriptions and examples are available at ISO 20022 XML.

    In our format description of pain.001.001.03, we list all XML tags. You can also find tag descriptions and additional information about how Danske Bank interprets the use of them in the PDF file - pain.001.001.03 DB MIG.pdf

    XML examples of different payment types
    Our Danske Bank Guideline to payments in ISO 20022 XML format (pain.001.001.03) PDF file provides examples. On pages 16-22, a short description of payment types is given, and there are also links to the example files located on pages 101-153.

     

  • You can use our File Validation Tool to validate pain.001.001.03 payment initiation files against the overall ISO 20022 XML schema standard (XSD). If a file is schema-valid, the tool can also be used for validating the payments in the file. XML test files can be tested using our File Validation Tool at https://danskeci.com/filevalidator.

    We recommend that you validate your pain.001.001.03 files prior to contacting our support teams as we see that errors are primarily related to the overall XML standard.
  • In the XML format, the content of the various tags determines the payment type, so please check that your XML file creates the same payment types as the ones you create today.

    Kindly use our File Validation Tool at https://danskeci.com/filevalidator to see your payment types.

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.

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