---
title: "Swedbank ISO Payroll"
description: "Instructions for connecting to Utbetalningar Företag Lön at Swedbank"
lastModified: "2026-09-28"
search:
  tags:
    - "swedbank"
    - "iso"
    - "payroll"
    - "salary"
    - "lön"
---
### Connect to Utbetalningar Företag Lön through Kleer

This guide is for companies that want to pay out salaries through **Utbetalningar Företag** (Swedbank's payout service for companies) at Swedbank, with **Kleer** as a third-party provider (ERP) through a direct integration with the bank.

### 1. Prerequisites

To be able to use the service, the company needs to:

- Be a customer of **Swedbank or a savings bank (Sparbank)**
- Have at least one **SEK account** as a debit account
- Have access to **Internetbanken Företag** (Swedbank's internet bank for companies)
- Use **Kleer**, which supports Utbetalningar Företag through a third-party integration

### 2. Sign the necessary agreements with the bank

Contact your **local Swedbank contact** and ask to sign the following agreements:

### Mandatory agreements

- **Utbetalningar Företag**: activate the payment type **Lön** (salary).
- **Anslutning Företag**: with the channel *Connection to a third-party provider with a direct integration with the bank* (the Swedish name of the channel is *Uppkoppling mot tredjepartsleverantör med direkt integration mot banken*).
- **Fullmakt Utbetalningar Företag** (power of attorney for Utbetalningar Företag): where Kleer, or its integration partner, is stated as **Meddelandepart** (message party).

The agreements can be signed **digitally in the internet bank**.

### 3. ISO20022 agreements

In addition to Utbetalningar Företag, the company also needs to have the basic ISO20022 agreements for:

- **Payment**, pain.001: supplier payments.
- **Reporting**, camt.053: account statements (transactions and balances).

These are required for Kleer to be able to send payments and read back account information correctly.

More information about activating the basic ISO20022 integration:
Swedbank ISO20022 Guide

### 4. Connection between Kleer and the bank

When the agreements are in place:

- The bank configures the agreement and connects it to the right **debit account**
- Kleer uses the integration to:
  - Create and send **payment files (pain.001)**
  - Receive **status reports (pain.002)** and reporting back
- Any requirement for **approval in the internet bank** is controlled through the power of attorney

### 5. Ready to use

When everything is activated, the company can:

- Create salaries in **Kleer**
- Send salary payouts to the bank automatically
- Follow status and outcome in both **Kleer** and **Internetbanken Företag**

**Read more about the ISO salary service in Swedbank's in-depth company material below:**

:::note
The guide refers to Swedbank's own customer in-depth material "Utbetalningar Företag" (PRODI10204305-8999) as an attached reference document. It is a stand-alone document from Swedbank, not written by Kleer. Contact your local Swedbank contact if you need a copy.
:::