Moving from LB (Leverantörsbetalningar) to ISO 20022 XML: What You Need to Know

After 12 May 2026, supplier payments to Bankgirot in LB (Leverantörsbetalningar) format can no longer be used

Due to changes that are being made in the Swedish market, the LB format will soon be phased out and replaced with ISO 20022 XML format.

Danske Bank has set the deadline at 12 May 2026. Consequently, files submitted in LB format after 12 May 2026 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 12 May 2026. The XML format supports future changes and functionality, ensuring that your payments are processed smoothly.

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

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 payment system to create supplier payment files

It is very likely that your payment system can already create files in the ISO 20022 XML. This means that you can start exporting the payments from your system in the XML pain.001.001.03 format instead of the LB 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 salary payments to Bankgirot in KI-Lön format

Danske Bank has set the deadline at 14 November 2025. To read more about transition from KI files, please click here.

Frequently Asked Questions (FAQ)

12 May 2026 is the last day to use LB format.
14 November 2025 is the last day to use KI format. Read more here.
From 14 April 2026 the payment type Kontoöverföring med avisering (Account transfer with long-form advice) will be discontinued. This means that paper-based advice will no longer be sent to beneficiary. The new solution is based on the ISO 20022 XML format which allows an unstructured message to beneficiary of up to 140 characters or a structured message to beneficiary such as an invoice number.
For more information please visit pages 18 of our pain.001.001.03 Examples.pdf and Appendix L (page 26): pain.001.001.03 Appendix.pdf
We recommend that you also change to ISO 20022 XML format as soon as possible. You can order a camt.054 file in District that includes BG Max details.
By 8 September 2026, you must have 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.
You can order statement (camt.053) and entry files (camt.054) in District.
No
No
No, there are no extra fees when moving to ISO 20022 XML.
You can send the files by uploading them in District. If you wish to establish a new communication connection directly to Danske bank to be able to continue to send payment files, please contact the bank.
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.
Please follow this link for further information: https://danskebank.se/foretag/kundservice/stopptider (only in SE)
Company organisation number.
No, it is not mandatory to include your agreement number in your payment file.
If you want to include invoices and credit notes in your domestic Swedish payments in ISO 20022 XML format, you need to follow these rules:
- Only Swedish Bankgiro transfers payments and Account transfers support invoices and credit notes.
- Invoices and credit notes must be sent in the same payment file.
- Invoices and credit notes must have the same execution date.
- OCR number cannot be used.
- Amount must be higher than 0 (zero).
- Credit notes will no longer be monitored.
- Due to limitation in the current clearing channel in Sweden, we recommend using only 10 <Strd> (Structured) tags with invoices and credit notes until the Swedish clearing channels are updated.
Functionality of Monitoring and deduction of credit notes.
Utlands-LB: The Bank monitors and deducts the credit note against invoices with the same execution date. Sends payment information including paid invoices and credit notes.
ISO 20022 XML: Is not supported in this format. Customer needs to deduct the credit note and enter the netted amount, enter invoice reference and deducted credit note reference.
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.
ISO 20022 XML allows ‘Reference to beneficiary’ up to 525 characters. For more information please visit pages 17-20 pain.001.001.03 Examples.pdf and page 23 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 at 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. The test XML 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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