Important changes in your payment services from Danske Bank
This page gives you as a business customer important information and dates regarding sending payment files to Danske Bank - more specifically for supplier and salary payments.
With the new Nordic payment infrastructure P27 you will be able to execute and manage Nordic payments in a simpler, faster and safer way. It will be easier for you to manage payments between the Nordic countries (Denmark, Sweden and Finland initially) in their currencies, since you only need to use one standardized format (XML).
Danske Bank is now preparing for changes in the payment infrastructure in the Nordic countries coming the following years. This means, among other things, that the new standard for file payments in the Nordic countries will be ISO20022 XML, but also that Dansk Bank updates products to further harmonize payments and file formats in the Nordic countries. Read more about how P27 is effecting you as a customer.
The first products to be updated are Bankgiro Leverantörsbetalningar LB and Bankgirolön (KI) to Danske Bank Leverantörsbetalningar and Danske Bank Löner (Danske Bank's Supplier Payments and Danske Bank Salary). With the updated products you may continue to use the Bankgiro formats during a transition period. Please observe that digital reports replace paper reports and that you in addition will be able to see the payment information directly in District, benefit from improved cut-off times and more retries for payments if there are insufficient funds on the account. Incoming payments are not affected by this change.
Why these updates to products?
The transiton to Danske Bank Leverantörsbetalningar and Danske Bank Löner is to prepare for the new payment infrastructure the Swedish banks have agreed on and which is to be delivered the years to come. This will improve the payment services for you as a customer:
- Harmonized processes for payments and file formats.
- Faster reporting.
- Improved cut-off times.
- Digital reports instead of paper reports.
- Overview of all payments in District including print functionality of receipts.
What is changing?
Today supplier and salary payment files are processed by Bankgirot.
These payments will instead be processed by Danske Bank and will be displayed in District together with the Bank’s other payments.
- Files with supplier- and salary payment are still to be sent to Danske Bank.
- Validation of file formats and payment information will be done immediately in District.
- Payment information will be presented in District. If you have questions regarding your payments please contact the bank instead of Bankgiro.
- Reporting files will be available in District.
How will this affect you as a customer?
New flow to handle payments
Changes to consider
- Digital reports instead of paper reports.
- Improved cut-off times.
- More retries for payments if there are insufficient funds on the account
- Options for how the payments are to be booked on the debit account.
- Reduced number of payment references per payment to the beneficiary.
- Credit notes can be included but the netted payment amount to the beneficiary has to be a larger than 0.
- Monitoring of credit notes will not be supported. This can often be offered by your ERP-system instead.
- Authorisations and access rights are not affected by this change, but we would like to remind you that as a routine you should review them regularly.
Good advice! Keep in mind that your reconciliation process may change, make sure you have access to the desired files and reports in the District.
How do you prepare your business for the transition?
Regardless of the ERP system you are using today, you should contact your system supplier prior to the update to ensure you understand how your payments are affected. This is particularly important if you send credit invoices for monitoring to Bankgirot today.
Internal procedures and processes
Keep in mind that the updated products can affect internal working methods and processes. Example:
- Faster reporting.
- Digital reports in District instead of paper reports from Bankgirot.
- Better cut-off times and more retries.
- Overview of all payments in District including print functions for receipts.
When and how till the transition happen?
Through District, we will provide timely information about when the updated products Danske Bank Supplier Payments and/or Danske Bank Salaries will be activated for your District agreement.
According to plan, the transition takes place between March and October 2021.
Once you have transitioned to the updated products, you will be able to take advantage of those features in District. If you have any questions, please contact Customer Service.
Questions & answers about
How do I order the product?
Order Danske Bank Supplier Payment and/or Danske Bank Payroll by contacting the Bank via Customer Service 0752 48 49 30.
Where can I find the format description?
The format description is based on Bankgiro´s format standard with some changes described in the technical manual for Danske Bank Leverantörsbetalningar and Danske Bank Löner respectively.
How are the payments in the file validated?
All payments are validated by the bank when they are received. Validation is done in accordance with Danske Bank Technical Manual that are based on Bankgirot´s technical manual. Bankgiro´s technical manual. Some differences may occur. The bank will monitor the execution dates and check for sufficient funds.
When does control of sufficient funds take place?
The control for sufficient funds is done after midnight on the day of payment, individually per payment. In the absence of sufficient funds, the check is repeated for 5 bank business days before the payments are rejected.
What are the cut-off times?
Danske Bank's payment cut-off times can be found here.
Is there support for deducting credit invoices?
Credit invoices are accepted when the net amount to the receiver is greater than 0 and it is the same payment date (TK15 – see Bank Giro Technical Manual). Payments where the net amount becomes zero will be rejected. Monitoring of credit invoices (TK16 and TK17 – see Bankgiro technical manual) is not supported, the entire file is then rejected directly upon validation upon arrival to Danske Bank.
You as a customer should look into how the company's financial system handles credit invoices. There must always be an invoice (outgoing payment) to the same receiver on the payment date that exceeds any credit invoice amount. If you currently are using monitoring of credit invoices, contact your company's ERP supplier to secure the handling of them.
Who is authorized to view salary payments?
If salaries are sent, the salary payments will only be visible to the users who have user rights to Confidential payments on the District Agreement. This applies if at least one user has this authority on the agreement. If no user has this authorisation, the salaries will be visible to the users who have access to the debet account.
It is therefore important that you as a customer ensure that at least has the user right to for Confidential payments in District. If you need help with settings in the Administration module, contact Customer Support Internet Services.
Is there any payment type included in Bankgirot LB and Bankgirot Löner that is not included in Danske Bank LB and Danske Bank Löner?
Salaries with notification on paper to the recipient is not supported in Danske Bank's services, nor are monitoring of credit invoices (TK 16 and 17 respectively – see Bankgirot's technical manual).
How much reference information can be sent to the receiver?
If the netted payment to a Bankgiro number contains more than 525 characters, the text will be cut with a last line "Message truncated, please contact sender". If it is to a PlusGiro number, the corresponding limit is 350 characters. To save space, text will be compressed and extra spaces will be removed. Note that if you send more than one invoice or credit invoice with reference numbers to the same recipient, the information from all invoices and credit invoices will be included in the payment recipient text, including subtotals and sub-references.
For account transfers without advice, a maximum of 12 characters will be shown on the receiver's statement of account.
The information relating to the payment is important to the recipient of the payment. Therefore, you should look into how much information you are sending today with your payments. Contact your ERP supplier for more information and management of reference numbers.
How are payments booked on the account?
All payments with the same payment date and from the same account will be booked as one, two or three different transactions depending on the payment type.
- “DB Lev.bet.” contains all payments from Danske Bank Leverantörsbetalningar (LB-files) except salaries
- “DBLBnnnnnnnn LÖN” contains all salaries from Danske Bank Leverantörsbetalningar (LB-files) where n corresponds to bankgiro number
- "DBKInnnnnnnn LÖN" contains all salaries from Danske Bank Löner (KI-files)
You can click on any of these transaction texts via District to see the underlying payments. If the underlying payments itself consist of more than one invoice and/or credit invoice, you can click to view the relevant documentation.
There is a possibility for you as an account owner to have these payment booked in another way. If you want to know more, please contact the bank.
How do I find a payment?
You can find it in the List of outgoing payments in District.
How do I print a receipt for a payment?
It is possible to print payment details directly from District by clicking into the underlying payment in the List of outgoing payments and selecting Print from there.
How do I access the report payment specification with salary details (Betalningsspecifikation med lönedetaljer)?
In District, you can use the List of outgoing payments to create a list of payments of your interest and select Print.
Danske Bank can also deliver account statements in CAMT format and then all transactions from the account are included.
How do I access the report payment specification without salary details (Betalningsspecifikation utan lönedetaljer)?
A PDF report is automatically generated per payment day and is archived in eArchive. The report is available to users on the District Agreement who have access to the debet account and are available no later than the morning after the payment date.
In District, you can also create a list of the payments you are interested in and select Print via the List of outgoing payments.
The report can also be ordered from the bank on file, which you do via Files from the bank in District.
Danske Bank can also deliver account statements in CAMT format and then all transactions are received from the account.
How do I get information about rejected payments (Avvisade betalningar)?
In the List of folders in District there is an indication that a payment has been rejected. From here, you can click into the List of outgoing payments to view status of specific payment.
The report is also available to order from the bank on file, which you can do via Files from the bank in District.
How do I order reports on file?
Via the feature Files from the bank / Create file order you can easily order the reports regarding payment specifications and rejected payments.
How far ahead in time can the payment date be placed and how are passed execution payments dates handled?
Danske Bank allows payments with payment date 1 year ahead.
Passed execution payment dates will be change to the next possible payment date.
Is there an amount limit per user?
The District Agreement administrator can enter amount limits for specific users via the Administration module. The administrator can also assign a user access to a function that allows the user to enter amount limits on an account. Read more about these features in the Help section in District.
Questions & answers about
The transition from Bankgirot to Danske Bank
What is the transition to Danske Bank Supplier payments and/or Salary taking place for me?
In addition to the letter from the bank that your company has already received, we will inform users in District 4 weeks, as well as 1 week, before the transition. Your transition date is listed in the District information.
What do I need to prepare or adjust?
Danske Bank Leverantörsbetalningar and Danske Bank Löner are based on the same file format as Bankgirot's corresponding services (LB- and KI-format respectively) and the same validations are made. However, there are a couple of exceptions described in the Technical Manual found here as well as in other questions and answers.
Please also note that paper reports from Bankgirot is no longer sent, instead this report is found in District, either in eArchive where payment specification is created, or via the overview screens in District (List of folders, List of outgoing payments, etc.).
What are the main differences between the services from Bankgiro and the ones from Danske Bank?
The services work equally, but the Danske Bank's services provide an overview of payments directly in District, giving you a better overview of submitted payment orders, future payments, and thereby an improved liquidity overview and forecast.
You can send payments closer to the payment date, all reporting are also digital and delivered faster.
What happens to my forward-dated payments with Bankgirot?
Forward-dated payments at Bankgirot, which have a payment date after the transition to Danske Bank's services, will be made via Bankgirot. Any re-reporting will also be sent from Bankgirot.
What happens to my forward-dated credit invoices at Bankgirot?
Submitted monitoring of credit invoices with a date after the transition to Danske Bank's services will not be handled. This means that you must ensure that your business system is updated with this information.
Do I need to change the Bankgiro number?
No, you keep the same Bankgiro number and services you already have.
How do I ensure my format fits your service?
The format description is based on the Bankgiro format standard with some with some changes described in the technical manual for Danske Bank Leverantörsbetalningar and Danske Bank Löner respectively .
Call Kundservice Företag at 0752 48 49 30