9 October 2025 - Verification of Payee (VoP) introduced in Finland and Ireland
Verification of Payee is a part of the Instant Payments Regulation, which is being implemented to enhance the security of payments and reduce the risk of fraud. The implementation of VoP is currently focused on SEPA payments within the Eurozone. This means that it will impact Danske Bank customers operating in Finland and Ireland.
You can find more information about implementation of VoP in Ireland here.
You can find more information about implementation of VoP in Finland here.
5 October 2025 - Changes to use of Structured Address and Unstructured Address for SEPA payments
Action required
From 5 October 2025, SEPA payments will adhere to the European Payments Council (EPC) guidance on the use of address fields. For examples of all address formats, refer to Appendix O in the document pain.001.001.03 Appendix.
As a result, Hybrid Address of Beneficiary will be introduced.
It is not mandatory to include beneficiary’s address in SEPA payments but if you initiate SEPA payments in ISO 20022 XML format, then beneficiary’s address should comply with one of the below formats:
- UNSTRUCTURED ADDRESS - until 22 November 2026
- STRUCTURED ADDRESS - 'Town Name' and 'Country' are mandatory. 'Address Line' is not allowed. It is recommended to provide as many structured elements as possible.
- HYBRID ADDRESS - 'Town Name' and 'Country' are mandatory. At least one occurrence of 'Address Line' is mandatory.
If beneficiary’s address does not comply with the requirements, then beneficiary’s address will be ignored and the SEPA payment will be sent for processing without any beneficiary’s address.
We recommend you switch to ISO 20022 XML and use structured Beneficiary’s address in SEPA payments.
15 September 2025 - New camt.053 file ordering in District
No action required
A simplified and more user-friendly way to order camt.053 files (account statements) is now available in District.
What’s new:
- Improved design: a clearer and more intuitive ordering process.
- Self-service: an efficient way for our customers to order files at their convenience, saving valuable time.
This update is tailored for our customers using District in all countries. You can order a file in District by clicking “Create” -> “Create file order” in the top right corner. You will then be re-directed to the new file ordering screens. If you wish to order another file type on the old screen, simply press on “Other file formats”.
If you have any questions, you can always contact District Support.
3 July 2025 - The currency RUB will no longer be supported in our "Exchange rates (VKS)" file format
No action required
The currency RUB
(Russian Ruble) will not be supported from 3 July 2025 in our “Exchange rates
(VKS)” file format in District. This means that the RUB currency will not be
delivered in these file formats after the above date.
1 May 2025 - New requirements for CHAPS payments, transition to ISO 20022 XML format recommended
Action required
From 1 May 2025, the Bank of England has introduced new Purpose Codes for property transactions made by CHAPS payments. You can find the full list of UK Purpose Codes on the Bank of England website. There will be further changes to the CHAPS payment journey over the coming months, including a full list of purpose codes and address requirements. These will be advised in due course.
What does it mean for you?
- The use of CSV/Paymul files for CHAPS payments should no longer be used from 1 May. We would encourage you to use the ISO 20022 XML file format from this date.
- Please add a purpose code to your file payments.
- To ensure the purpose code is included with the payment, we strongly recommend that you going forward use the ISO 20022 XML pain.001.001.03. format to initiate CHAPS payment.
1 May 2025 - Telepay and BBS formats no longer accepted
Action required
Danske Bank will not accept the Norwegian formats Telepay and BBS (Direct Remittance) and we recommend you to move to ISO 20022 XML formats at your earliest convenience.
You can find more information here: Moving from Telepay and BBS to ISO 20022 XML: What You Need to Know.
28 April 2025 - New testing features in File Validation Tool
Action required
In the File Validation Tool you can validate pain.001.001.03 payment initiation files against the overall ISO 20022 XML schema standard. If the file is schema valid, the tool can also validate the payments and display some Payment Details e.g.
- Amount
- Date
- Payment type
- Payment status
To learn more about the File Validation tool and to test your files, click here.
22 April 2025 - Danish Domestic Instant (Express) payments will be cleared via new clearing platform, TIPS
Action required
From 22 April 2025 Danish Domestic Instant (Express) payments will follow the NPC rulebook for payments.
This means
- beneficiary name will be mandatory for all Danish Domestic Instant payments - if beneficiary name is not provided, the payment will be rejected
- the ‘Message to beneficiary’ field will be limited to a maximum of 140 characters of text. Any message exceeding the limit will be cut after 140 characters.
- the ‘Text on beneficiary’s account statement’ field will not be supported for instant payments and will be ignored. To include information regarding the payment, you should use the ‘Message to beneficiary’ field instead.
You can find more information on our website or read the NPC rulebook for payments to familiarize yourself with the new ruleset and adjust your payments accordingly from 22 April 2025.
30 November 2024 - Some Danish and Irish payment formats will no longer be accepted
Action required
Danske Bank will not accept these formats anymore and we recommend you to move to ISO 20022 XML format.
- PBS-OS: Danish Payments in PBS-OS format processed by Danske Bank. (The pass-through solution with Danske Bank as data provider to MasterCard Payment Services is not affected by the change)
- KASEL - Danish payments in KaSel format
- CMIIS - Irish bulked payments in Danske Bank comma separated format
15 November 2024 - EDIsec security solution will no longer be supported
Action required
Danske Bank will stop supporting EDIsec security solution on 15 Nov 2024. We recommend you to move to the new OpenPGP solution at your earliest convenience.
If you haven't been contacted by Integration Services yet, please reach out to ints@danskebank.com
October 2024 - Swedish Domestic Instant payments will be cleared via new clearing platform, TIPS
No action required
Danske Bank will not support outgoing Swedish Domestic Instant payments for the time being.
However, you will potentially start receiving Swedish Domestic Instant payments.
Swedish Domestic Instant payments will follow the NPC rulebook for payments, meaning the payment data might look different compared to a Swedish Domestic Batch or Swedish Domestic Express payment.
