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Swedbank ISO

A summary of what applies if you want to connect your bank accounts to Kleer through Swedbank's ISO integration

Kleer supports ISO20022 integration with Swedbank.

You connect to ISO by contacting your contact person at your local bank branch, or through the telephone bank.

When you ask to connect to ISO Swedbank, your Kleer consultant can send the onboarding document for Swedbank/Sparbankerna to your bank.

What is ISO20022?

An ISO integration is a standardised connection between a bank and a business system, where the systems communicate using the ISO20022 format.

The business system sends files in XML format (pain.001) to the bank for each payment order that is created.

The bank then replies by sending a response file (pain.002) to the business system, which either confirms that the payment format is approved or rejects the file if, for example, the payment details are not valid.

When a payment has then been carried out, the bank reports back by file to the business system that the payment has been carried out, so that it can be reconciled. The reporting files also include daily balance updates.

A reporting file (camt.053) is sent every night and contains the previous banking day’s transactions, and the opening and closing balance.

The ISO20022 integration with Swedbank currently includes:

  • Daily balance update (camt.053 Extended)
  • Reporting back of outgoing payments (camt.053 Extended)
  • Reporting back of incoming payments (camt.053 Extended)
  • Support for all types of supplier payments (including full support for international payments) (pain.001)
  • Status update for a payment in progress (pain.002)

The ISO integration does not include:

  • Salary
  • See the following section for how salary is handled through Bankgirocentralen.

BG Lön

  • Salary is not included in the ISO offering today and needs to be sent through Bankgirocentralen.
  • As a new company in Kleer, in addition to the ISO agreement you also need an agreement for BG Lön (Bankgirot’s salary payment service) at Bankgirocentralen.
  • Kleer needs to be set as service bureau (servicebyrĂ„) for this agreement (service bureau number: 910788).
  • For other BG agreements, Swedbank is the service bureau.
  • Salary can then be paid directly in Kleer.
  • If you have previously had an Open Banking connection and paid salaries through Kleer, nothing will change regarding salary, and it can be paid as usual.

Good to know:

  • Salaries should still be paid through the BGC integration. As a new customer in Kleer it is important to make sure that Swedbank sets up the BG Lön agreement at BGC and that Kleer is set as service bureau (service bureau number: 910788)
  • The ISO connection is activated when we receive an activation file from Swedbank in connection with the integration being activated on their side.
  • Accounts are then created automatically if they did not exist before
  • Accounts that previously used Open Banking to fetch account events automatically switch to using ISO. The Open Banking connection is therefore removed automatically.
  • When the ISO connection is active, supplier payments can no longer be sent through the BGC integration
  • The integration is activated 1 to 3 days after the bank has received the signed agreement.
  • You can agree with your bank contact to set the activation date later (for example after the month end).
  • If you change systems, a new agreement is needed with the new service bureau
  • The reporting back is per account, it is not possible to get reporting back at bankgiro number level

Signing agreements

In the agreement set-up you can choose whether you want to sign your payments in the bank or only in Kleer (login with BankID for the payment manager)

Question: Is there a general email address to contact about the integration, or does the contact person at the local bank branch always apply?

Answer: Yes, you can also call the telephone bank to get help with agreements.

Onboarding

To get started, you first need to sign an ISO agreement and then connect to Kleer’s bank integration.

When the connection is complete, your bank contact hands over a Payment agreement (B-avtal) and a Reporting agreement (R-avtal) to you. The bank connects you to Kleer’s File transfer agreement (F-avtal): 065568303324F001.

It takes about 1 to 3 banking days to connect the ISO services to the bank integration.

ISO services included in the bank integration:

  • Payment orders (Pain.001)
  • Status file (Pain.002)
  • Account information, including detailed information for transactions (CAMT.053 Extended)

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