ISO 20022 XML
ISO 20022 is a set of standards defined and maintained by the International Organization for Standardization that define the 'language' for information exchange between entities in various business areas.
ISO 20022 XML format is a global standard that makes it easier for businesses to exchange financial information, ensuring smoother communication, fewer errors, and better compatibility with modern systems, helping you stay ready for the future.
Watch the video to learn more about the benefits the ISO 20022 XML format offers your business and what you should consider when changing to it.
To test your ISO 20022 XML files, please use our File Validation Tool.
Payment
Initiation
Message Name | Message Implementation Guide (MIG) | Examples | Download schema files |
---|---|---|---|
Credit Transfer Initiation | pain.001.001.03.xsd | ||
Payment Cancellation | camt.055.001.01 (pdf) | camt.055.001.01.xsd |
Status messages
Message Name | Message Implementation Guide (MIG) | Examples | Download schema files |
---|---|---|---|
Payment Status Report | pain.002.001.03 CGI-MP (pdf) | pain.002.001.03.xsd | |
Payment Cancellation Status | camt.029.001.03 (pdf) |
Reconciliation
Message Name | Message Implementation Guide (MIG) | Examples | Download schema files |
---|---|---|---|
Account Report | camt.052.001.02 CGI (pdf) | See examples | |
Account Statement | camt.053.001.02 CGI (pdf) | See examples | |
Debit Credit Notification | camt.054.001.02 CGI (pdf) | ||
Appendix |
CAMT Appendix (pdf) Bank Transaction Code appendix (pdf) |
SEPA Direct Debit
Initiation
Message Name | Message Implementation Guide (MIG) | Examples | Download schema files |
---|---|---|---|
Direct Debit Initiation | pain.008.001.02 (pdf) | Documented in the MIG | pain.008.001.02.xsd |
Direct Debit Cancellation | camt.055.001.01 (pdf) | Documented in the MIG | camt.055.001.01.xsd |
Status messages
Message Name | Message Implementation Guide (MIG) | Examples | Download schema files |
---|---|---|---|
Direct Debit Status | pain.002.001.03 (pdf) | Documented in the MIG | |
Direct Debit Acknowledgement | pain.002.001.03 (pdf) | Documented in the MIG |
SEPA Direct Debit status reports may contain the status codes and abbreviations shown in this downloadable code list (pdf)
To learn how to integrate SEPA Direct Debit in your systems, download the Implementation Guide (pdf)....
Related content

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).

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.

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.