Bankgirot will permanently discontinue direct file submission for payment transactions on July 1, 2026. From that date, Swedish businesses must route all payment files through their banks rather than submitting directly to the clearing house. The change applies to all payment products except Autogiro and E-invoice, which remain on the current infrastructure.
Three additional cutover dates follow in rapid succession. Bankgirot's salary payment service will be discontinued on August 1. ISO 20022 XML becomes the sole accepted format on September 1, ending support for legacy LB and BgMax file formats. Payment orders and cash vouchers via Bankgirot will cease on September 26. The unstructured address format will no longer be accepted in domestic payments from November 15. Full migration to the new clearing platform is targeted for end of November.
The transition is underpinned by Finansinspektionen's December 2026 regulatory deadline requiring ISO 20022 compliance for anti-money laundering purposes. Bankgirot's replacement platform, SEK Credit Transfer, was built by Tietoevry Banking and processes all transactions in ISO 20022 XML. Bankgiro numbers, Plusgiro numbers, and OCR reference numbers continue to function on the new infrastructure.