LB (Leverantörsbetalningar) format discontinued: Start using ISO 20022 XML
As of 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 (including Utlands-LB and salaries) has now been phased out and replaced with ISO 20022 XML format.
Danske Bank has set the deadline for 12 May 2026.
Consequently, files submitted in LB format after 12 May 2026 are being rejected,
and the payments included in such files are not being 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.
Frequently Asked Questions (FAQ)
Payments
The most important changes are:
12 May 2026 - was the last day to use LB (Leverantörsbetalningar) including Utlands-LB and salaries.
14 April 2026 - Beneficiary name becomes mandatory for account transfers, including salaries.
14 April - 25 August 2026 - Account transfer with paper based long-form advice will be discontinued.
25 August 2026 - Extended remittance information (ERI) becomes available for account transfers (ISO 20022 XML).
8 September 2026 - Last day to send Money orders (Värdeavier) in files.
8 September 2026 - Beneficiary name becomes mandatory for Bankgiro and Plusgiro payments (Alias).
8 September 2026 - OCR validation will apply to outgoing file-based payments.
15 November 2026 - Unstructured address format no longer supported in Swedish domestic payments (ISO 20022 XML).
27 November 2026 - Last day to use Bg Max (incl. image files). By 8 September 2026, camt.053/054 (ISO 20022 XML) must be in place to receive full payment information via the new clearing. Read more here.
27 November 2026 - Extended remittance information (ERI) becomes available for Bankgiro and Plusgiro payments (Alias).
27 November 2026 - Direct file communication with Bankgirot will be discontinued, and all communication will need to go through the bank.
To
initiate the payment, customers only need the Bankgiro number. Bankgiro
numbers will continue to be used also after November 2026 within the new
payment infrastructure.
Yes, beneficiary name becomes mandatory in files:
14 April 2026 for account payments, including salaries
8 September 2026 for Bankgiro and Plusgiro payments (Alias)
Please note that the name of beneficiary will not be validated.
No, it is not mandatory to include your agreement number in your payment file.
Direct file communication with Bankgirot will be discontinued, and all communication will need to go through the bank.
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.
If the
execution date of an invoice or the expiry date of a credit note is later than
27 November 2026, the payment will not be processed. To check for any payment
orders that Bankgirot has under monitoring but have not been executed, you can
request a 'Revisionslista Mottagare/datum' revision report from Bankgirot.
You
can request a 'Revisionslista Mottagare/datum' revision report from
Bankgirot that provides details of payment orders that are under monitoring but
have not been executed. This will help you identify any payments affected by
the changes to execution and expiry dates.
ISO 20022 XML
No
No
No, there are no extra fees when moving to ISO 20022 XML.
In the
current payment infrastructure, ISO 20022 XML payment initiation files
support:
Short-form advice (up to 12 characters).
Long-form advice (up to 525 characters).
In the new payment infrastructure, ISO 20022 XML payment initiation files
will support:
Structured messages (up to 280 characters).
Unstructured messages (up to 140 characters).
Extended Remittance Information (ERI), which includes: - One unstructured message (up to 140 characters) and - 2-999 occurrences of structured advice (up to 280 characters).
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.
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 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.
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 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.
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.
Additional information and resources
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. You can use camt.053 (statement file) and camt.054 (entry file), which
can be ordered in District.
Contact your system provider to confirm which file type you can use.
For more details about camt files, visit the Reconciliation section on this
page: ISO 20022 XML
From 15 November 2026, unstructured postal addresses will no longer be accepted in Swedish domestic payments. Addresses included in payments must comply with the structured or hybrid formats defined by the Nordic Payments Council (NPC).
What does that mean for your business?
If your business includes postal addresses in payments, they must meet the new structured or hybrid address format requirements. Otherwise, the address will be removed, and the payment will be processed without any address information.
What to do to prepare?
Transition to the ISO 20022 XML format for initiating payments.
Ensure that postal addresses used in payments comply with the structured or hybrid format requirements: - For structured addresses, include 'Town Name' and 'Country' (mandatory), but do not include 'Address Line'. - For hybrid addresses, include 'Town Name' and 'Country' (mandatory) and at least one 'Address Line'.
Review and update your payment processes and systems to ensure compliance with these requirements.
Refer to Appendix O in the document pain.001.001.03 Appendix for detailed examples of address formats.
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
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.
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