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 at 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 will be discontinued in 2026. We will publish the closure date here as soon as it is confirmed. You are welcome to switch to ISO 20022 XML already today. To read more about transition from LB files, please click here.
Frequently Asked Questions (FAQ)
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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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).