New regulations, international formats, and rapid technological advancements are transforming the payments market. As part of this transformation, Sweden's payment infrastructure is being modernised and future-proofed — and Bankgirot plays a key role in this important shift.
We are committed to ensuring that today’s payment system continue to function reliably, while we develop tomorrow’s robust and secure system based on international standards and Swedish regulations. In close collaboration with Swedish banks, we are working to enable efficient, tailored payment solutions for them to offer their customers.
Enabling Innovation and Compliance
Our goal is to provide a payment system that foster innovation, supports regulatory compliance, and promotes future development. By standardising formats and processes, we are helping banks and other stakeholders create customer-focused services.
A Step-by-Step Development
Bankgirot is currently future-proofing the Bankgiro System on a new IT infrastructure and developing new products, to be used by the banks, based on international standards. A high priority is to support bank's compliance with regulations designed to combat money laundering and fraud. The development will take place gradually over the next few years
Payment Flow Migration in 2026
In 2026, Swedish banks will begin connecting to the new products and transfer their payment flows from the current infrastructure. The goal is for this transition — excluding Autogiro payments — to be completed by the end of 2026. This migration will be carefully coordinated, with Bankgirot, banks, and other stakeholders working together to ensure a smooth and secure process.
Several Bankgirot Services Will Be Discontinued
After the migration of payment flows in 2026, the following Bankgirot services will no longer be offered:
- Leverantörsbetalningar (Supplier Payments)
- Bg Lön (Salary Payments)
- Bankgiro Värdeavi (Value Vouchers)
- Bankgiro Inbetalningar (Incoming Payments), including Image file formats (Bildfil)
It will also no longer be possible to send or retrieve payment or reporting files directly to or from Bankgirot, except for Autogiro and E-invoice. New solutions for payment and file communication will be offered via your bank.
Autogiro and E-invoice Will Remain
Bankgirot’s Autogiro and E-invoice service (Bg E-faktura) will continue. Together with the banks, we are working to ensure that our services remain relevant, reliable, and secure moving forward.
More Information
Please contact your bank for more specific details and guidance.