ISO20022 XML

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The recommendation from the banks is to use the ISO20022 XML format. This is a global standard format that supports all future changes and new features. By using ISO20022 XML, a higher degree of standardization is achieved, making it easier to exchange information between different systems and parties. This creates a more efficient and consistent way of working, both now and in the future. Uniconta supports this format for all banks in Denmark and a number of other countries in Europe. Here is a list of the countries where we support the format.
  • Denmark
  • Sweden
  • Norway
  • Germany, Germany
  • The Netherlands
  • England
  • Switzerland
  • Lithuania
  • Estonia
Note: Not all banks within each country are supported. During setup, you can select the bank and here it is typically the largest banks that can be selected.

Setting up

The format is set up under Accounts payable/Maintenance/Payment method file formats. This is also where all the other file formats we have for the banks are created. If you choose an XML format, press the Settings button and select the bank or central bank used. In Denmark, you choose Danske Bank, Nordea or one of the three central banks Bankdata, BEC or SDC.

Denmark - Banking centers

Here you select Payment format = ISO20022 (DK) under the settings button you select the bank center that your bank is affiliated with. It is either Bankdata, BEC or SDC. In this article you can see which banking center your bank is affiliated with. Read more here. It is a requirement from the bank centers that you fill in the field 'Identification of the agreement' under Bank reconciliation for the current bank account. Read more about Bank Reconciliation here. The recommendations for each bank center are:
  • Bankdata - they recommend that you enter your CVR number in the field
  • BEC - they recommend that you enter your CVR number in the field
  • SDC - they recommend that you enter your CVR number in the field

Denmark - Nordea

It is a requirement from Nordea that you fill in the following two fields under Bank reconciliation:
  • Identification of the agreement - the field is filled in with Nordea SignerId. It is stated on the agreement made with Nordea otherwise please contact Nordea
  • Customer ID - the field is filled in with the Nordea CCM agreement number. This is stated on the agreement made with Nordea, otherwise please contact Nordea The recommendation from Nordea is to fill in the ID with Nordea SignerId. It is a requirement that the ID is between 10 and 18 digits. Read more about Bank Reconciliation here.
Note: It is a requirement that the ID is between 10 and 18 digits Read more about Bank reconciliation here.

Denmark - Danske Bank

There are no special requirements from Danske Bank

Sweden

Uniconta supports the following payment types for Sweden with the ISO20022_SE payment format.
  • Account transfer
  • IBAN
  • SEPA
  • Bank Giro
  • Bank Giro with OCR
  • Plus Giro
  • Plus Giro with OCR
If you use Nordea, the two fields below must be filled in with an ID under Bank reconciliation for the current bank account. Read more under Bank reconciliation or the section Denmark - Nordea. Including an overview of BankGiro and PlusGiro. Regular bank transfer and SEPA work as normal. BankGiro Payment information is entered on the vendor. Select Payment method 'BankGirot'. If you select Swedish language, the Danish text FIK71 will be replaced with the text BankGirot. I.e. FIK71 = BankGirot. In the Payment ID field, enter the BankGiro number. BankGiro can also have an OCR ID specified. This must be entered in the Payment ID field (Accounting journal) when registration of a supplier invoice. It can also be specified in the Payment proposal as shown below in the Payment ID field The number of digits for the BankGiro number is validated. It can be 7 or 8 digits. OCR number is validated if it is filled in. It can be between 4 and 25 digits and it must comply with a Modulus 10 check. PlusGiro Payment information is entered on the vendor. Select Payment method 'PlusGirot'. If you select Swedish language, the Danish text FIK75 will be replaced with the text PlusGirot. I.e. FIK75 = PlusGirot. In the Payment ID field, enter the PlusGiro bank account number. Here is an example of two payments to a creditor using PlusGiro. One payment is with OCR. The number of digits for the PlusGiro number is validated. It can be between 2 and 8 digits. OCR number is validated if it is filled in. It can be between 2 and 25 digits and it must comply with a Modulus 10 check.

Norway

Uniconta supports the following payment types for Norway with the payment format ISO20022_NO.
  • Account transfer
  • Account transfer (KID number)
  • IBAN
  • SEPA
Account transfer with KID number Note: Generally for a Norwegian company, bank account information is always retrieved from the creditor, as the Payment ID field on the payment proposal is reserved for a possible KID number. The screenshot below is an example from Betalingsforlaget. Kid number is specified in the 'Payment ID' field. The Creditor bank account (BBAN) is retrieved from the Creditor master data when the file is created. It will be validated if the Creditor bank account is filled in on the creditor. It will also be validated if the Kid number complies with Modulus 10 check.