Important! New requirements for address information in international payments.
Help with ERP and integrations
Here you will find what you need to know about integration with an accounting system.
Direct integration
Direct integration is when the ERP system and the online bank send and receive files between themselves without you needing to upload and download files manually.
With a direct integration, you can have accounting-approved payments or post-approval in the online bank.
Frequently asked questions
DNB offers pre-approved payments that make it easy for you to approve payments directly in the accounting system in a secure manner and in compliance with regulatory requirements.
With RGB you do not need to approve payment files in the corporate online bank and most accounting systems have facilitated this.
Here you can see a short film about the concept:
DNB explains pre-approved payments (1:37 min)
Note! For payment files to be approved in the accounting system, your ERP/financial system must support RGB.
There are two different ways you can grant access to your accountant:
- The accountant is added as a new user in your corporate online bank. It is the administrator in your corporate online bank who must add the new user under Administration - New, change, delete user.
Note! Here the administrator needs the national identity number of the new user (the accountant). - The accountant applies for account authorisation so that the account is available in the accountant's online bank. Both the authorisation grantor and the holder of the authorisation can apply from their corporate online bank under Administration - Grant/Receive account authorisation.
Note! To use this method, the accountant must already be a customer/have corporate online bank in DNB.
- The accountant is added as a new user in your corporate online bank. It is the administrator in your corporate online bank who must add the new user under Administration - New, change, delete user.
For RGB to work, the person who approves the file from the ERP system must also be a user in the corporate online bank. The user must have account rights to register and approve payments.
An administrator can check this in the corporate online bank in the menu option Administration - Manage - User.
Before you can start using RGB, certain criteria must be in place.
The accounts must be registered on a business customer relationship at DNB.
The person who must approve must have a user account in a corporate online bank and have authorisation for that account.
Everyone who must approve must have BankID.
Tip: Not all ERP systems support RGB when there are two approvers on an account. If your system does not support this, see below under "post-approval in online bank"
What you need to start using pre-approved payments
You can order pre-approved payments when you order banking integration. The solution is ready to use after a short time.
1. Order banking integration
Banking integration and banking services are ordered with just a few keystrokes when you order digitally and you start the order from your accounting system.
Read more and see which accounting systems offer digital ordering of banking integration
If your ERP system is not mentioned, you need an integrated online banking solution to send files from your accounting system through the corporate online bank.
2. Order RGB
These suppliers have adopted RGB, click to get started:
For accountants
If you have your clients' accounts in your online bank, you must do this for each client (you select the client during the ordering process).
The solution is ready to use after a short time.
To use Accounting-approved payments, you must have corporate online bank with DNB.
You can order online bank at no cost.
Individuals who must approve payment files must be registered as users in the corporate online bank.
How to add a new user:
An administrator in the online bank can add new users under Administration - New, edit, delete user.
In the online bank, one can either be an Administrator (all rights), an Orderer (can order products digitally) or a regular user (a user receives the access rights assigned by an administrator).
Individuals who need to become users in the online bank must be registered with valid proof of identity with us. You will be guided to order digital identification if the person you wish to set up as an online bank user is not registered with valid proof of identity with us.
How to assign user rights:
Users who need to approve payments must be granted rights to the accounts from which payments are to be made. An administrator can do this in the online bank.
The rights are removed by the administrator when the user no longer needs them.
Tips
Users of RGB must have a Norwegian national identity number. Foreign users (D-number) must use "Approve files" in the online bank.
Access to your business account
If your accountant needs access to your account in their accounting firm's own online bank, authorisation must be applied for.
You apply for this in the corporate online bank under Administration - Grant/Receive account authorisation.
Here, either you or your accountant can place the order.
If the accountancy office must order banking integration on behalf of your business
The accountant needs authorisation to order digital services on behalf of another company in order to place an order for integration between the accounting system and the bank.
This must be ticked in the authorisation order form. Sign with BankID for faster processing.
If the accountancy office is not a customer of DNB, the accountant must be added as a user in your online bank to gain access to the account.
Tips for you as an accountant
We have gathered guides, relevant news and advice. Here you will also find your point of contact with us at DNB.
To be able to order banking integration on behalf of another company, you must have an ordering authority.
- You can get an overview of the accounting firm's powers in the corporate online bank under Administration - Authority overview. If you lack authorisation to order products for another company, you can change this under Administration - Grant/Receive account authority.
- Complete the form so that you have "authorisation to open Norwegian accounts and order products/services on behalf of a company".
- Once this is in place, you can order banking integration on behalf of a company.
Note!The order for banking integration starts from the ERP system's pages. Read more about banking integration
Frequently asked questions
With post-approval in the online bank, the files are sent directly from the accounting system to the online bank and must be approved in the online bank.
The integration agreement is set up on one organisation number with an associated online banking agreement. The files will only be available for approval in that online bank. This means that if the agreement is set up on the account holder's organisation number, an authorisation holder will not be able to approve in their online bank.
To be able to approve payment files, you need to have permissions on the debit account and the division on which the files are sent.
How an administrator can assign permissions on a division:
Go to Administration - Permissions Divisions/file sending
Select the relevant division and click "Search"
Here all the users in the online bank will appear and the administrator can choose between view, send, retrieve and approve. For post-approval, only "See" and "Approve".
Assign rights and click on "Save".
When you have sent the file from the accounting system, it should appear in the online bank very shortly. If it does not appear for approval, you can check under File transfer - Status of submitted files to see the status of the file. Here you will see whether the file has been rejected or received OK.
If you cannot find the file there, it may be that you are in the wrong online bank or that you do not have rights for the division to which the files are sent.
If there is still an issue, please contact us by telephone on +47 915 04800 or start a chat from the logged-in online bank.
There can be several reasons to choose post-approval in the online bank, and these are some examples:
- The accountant must execute the payments in the accounting system, but you must approve them.
- When one or more of those who must approve do not have BankID.
- You have two approvers on the account and the accounting system only supports one approver on RGB.
These systems do not support two approvers: 24SevenOffice, the accounting system DNB Regnskap, Fiken, Tripletex and Zirius.
What you need to start using post-approval
1. Order banking integration
Banking integration and banking services are ordered with just a few keystrokes when you order digitally and you start the order from your accounting system.
Read more and see which accounting systems offer digital ordering of banking integration
If your ERP system is not mentioned, you need an integrated online banking solution to send files from your accounting system through the corporate online bank.
2. Order post-approval
When you are in the order form, select "I want to approve in the online bank" when you are at "Customise payment agreements".
For accountants
If you are the one placing the order, the payment files will be sent to your online bank for approval. If you want them to be sent to the client's online bank, you can copy the URL link to the form so the client can log in and complete the order.
3. Complete the order
Once the order is completed, the solution will be ready shortly.
To order and use a direct integration with approval, you must have a corporate online bank with DNB. You can order online banking free of charge.Read more and order online banking
Individuals who need to approve payment files must be registered as users in the corporate online bank to which the files are sent.
How to add a new user:
An administrator in the online bank can add new users under Administration - New, edit, delete user.
In the online bank, you can either be an administrator (all rights), an orderer (can order products digitally) or a regular user (a user receives the access rights assigned by an administrator).
Individuals who need to become users in the online bank must be registered with valid proof of identity with us. You will be guided to order digital identification if the person you wish to set up as an online banking user is not registered with valid proof of identity with us.
How to assign user rights:
Users who must approve payments must be given rights to the accounts and the division from which payment must be made. An administrator can do this in the online bank.
The rights are removed by the administrator when the user no longer needs them.
Must your accountant approve payments in your online bank?To do this, your accountant must have a separate user account in your online bank. See how to add a user in the online bank.
Must the accounting firm order banking integration on behalf of your company?The accountant needs authorisation to order digital services on behalf of another company in order to order integration between the accounting system and the bank. This must be ticked in the authorisation order form. Sign with BankID for faster processing.
You can submit an authorisation request in the corporate online bank under Administration - Grant/Receive account authorisation. Either you or the accountant can place the order.
Go to the form to grant or request account authorisation and order digital services
Tips
If it is the accountant who orders post-approval in the online bank, the payment files will be sent to the accountant's online bank for post-approval.
Many people have questions about
You must have a payment agreement in order to be able to invoice with KID.
You can order the payment agreement in the Norwegian online bank under Filoverføring - Fakturere med KID or digitally from the ERP system if they are able to.
Different ERP systems can support different payment agreements and may have different ways of ordering. If you are unsure of this, please feel free to contact us by chat or by phone.
Tips
To know how many digits you can have in the KID number and how you get the KID on the invoice, you need to contact your ERP system.
With a payment agreement, you will find that you do not see the name of the sender on the bank statement, only total entries. Information about who has deposited is located in the file that you either retrieve in the online bank or directly in your ERP system. If you cannot find the sender’s information, you can try this:
If you have retrieved files in the online bank, imported these into an ERP system and have lost the file, you can order the file again under File transfer - Order files. Remember to choose the correct file format.
If the file is sent directly to your ERP system and you cannot find any information there, please contact us for help with sending the file again. If your ERP system has a list of payments that have not been registered, you can also check this.
If you have information such as which KID was used or which account number it was paid from, you can use Archive Nets to find the details. See Archive Nets below for more information.
Tips
We cannot tell who has paid by phone, chat or email. If you cannot find the information in the online bank, you can contact us to order this for NOK 100.
Archive Nets allows you to search for attachments on payments that, for example, have been paid with the wrong KID.
You’ll find Archive Nets in the Norwegian online bank under Betaling - Innbetaling - Arkiv Nets.
Start a chat with us when you’re logged in to the corporate online bank and we’ll set up Archive Nets for your if you don’t already have access.
Tips
It is not possible to search on the amount of the total entry in Archive Nets because you must search on a single transaction with, for example, a KID number or the sender's account number. If you don’t have this information, you can order a transaction list for NOK 100 per month by contacting us.
With mandatory KID it will not be possible to pay to your account without using a KID number.
Contact us via chat or email from a logged-in online bank and ask for a mandatory KID.
The change will normally be active after 2-3 working days.
Tips
If you have a mandatory KID in an account and need to receive a payment without a KID, you can contact us by chat or telephone for a solution.
Total payment
This is a payment agreement in XML format that includes payments with and without a KID (Customer ID) and internal bank transactions. These files can only be delivered to an ERP system and not in the online bank. With a Payment total it is possible to get OCR files in addition to another system if you need to.
Internal bank transactions are payments between two DNB accounts without a KID (Customer ID).
If you need a payment agreement in XML format where you can retrieve the files in the online bank, see “eGiro” one step back.
eGiro
This is a payment agreement in XML format that includes payments with and without a KID (Customer ID) but not internal bank transactions. Attachments for internal banking transactions must be obtained from the online bank.
OCR
This is a payment agreement in Telepay format which only includes payments with KID.
Payment agreements
There are three different payment agreements you can have in your account at DNB. Which agreement suits you best, depends on your needs and what your ERP system supports.
OCR and eGiro
In order to receive payment files to two different recipients, each recipient must have their own Nets customer device ID. For example, one recipient can be the corporate online bank with DNB’s customer entity ID, where you can retrieve the file and import it manually into your system. For example, the other recipient can be an invoicing system with the invoicing system's own customer entity ID.
Please contact your ERP system to get your customer unit’s ID.
DNB’s customer unit’s ID for OCR is: 118125The DNB’s customer unit’s ID for eGiro is: 041616
Total payment
It is possible to get the pay-in files to different systems as long as the system has a direct integration with DNB. It is possible to get OCR files (only KID) to the online bank or to another system with Net’s customer device ID.
If you would like to order OCR as well, your administrator in the online bank can contact us via chat to order this. Remember to have the Customer Entity ID ready if the OCR file is to be sent directly to an ERP system.
If you use different systems, for example an accounting system and a billing system, it is possible to get the payment files to both systems.
Information for developers
From 30 June 2026, DNB will only deliver account information and payment files in ISO20022 (XML) format via DNB Connect and DNB FileGateway. This applies to accounts in Norway, Denmark, Finland, Germany, the United Kingdom and the US. For Sweden, separate deadlines apply in 2025 due to the transition to a new Swedish clearing system. The following formats will be discontinued:
Account information (Norwegian accounts)
- Old format: TBWK, TBRK, TBNK
- New format: Camt.053
Account information (foreign accounts)
- Old format: TBUK, MT940
- New format: Camt.053
Intraday account information
- Old format: MT941, MT942
- New format: Camt.052 (coming later*)
Payment receipt files
- Old format: EDIFACT (CREMUL)
- New format: Camt.054C
If the business / system currently in use does not support reading and processing ISO20022 XML (Camt053, Camt054C and Camt052) by the deadline of 30 June 2026, the business will no longer receive account information files and payment notifications on file from DNB.
*Camt052 is not yet fully developed. We will provide an update when it becomes available.
The deadline for transitioning to ISO20022 XML expired on 31 March 2024.
DNB will shortly discontinue the option to send payments in formats other than ISO20022 XML.
If your business operations continue to submit older formats, you will therefore experience having your files rejected.
If the system you are using does not support ISO20022 XML for payments, providers such as Aritma and Babelbank may be suitable suppliers capable of converting older formats to ISO20022.
If you do not change the format to ISO20022, you will have to register your payments manually via the online bank.
Here we have gathered technical documentation about the pre-approved payments solution: RGB - Technical documentation (PDF)
Do you need support?
We have established a technical implementation team for support. Send us an email at tci@dnb.no
DFG (DNB File Gateway) - an SFTP solution via DNB. The solution is for businesses that wish to automate their file transfer. DFG enables you to send and retrieve files without logging in to the online bank.
All the information you need can be found in the document for questions and implementation of this.
SFTP - How to get started (PDF, Norwegian)Open the file in a new tab
We offer the following communication solutions:
- SFTP
- Swiftnet Fileact
- EPeppol
For more information and forms for set-up, please send an enquiry by email: betalingstjenester.bedrift@dnb.no
ISO20022 XML is a global standard for payment transmission. It is used both between customer and bank, and between banks both nationally and internationally. This new standard will replace the old, country-specific standards. For you as a customer, and for the suppliers of your ERP and treasury systems, this means a standard that is almost identical from bank to bank.
Message Implementation Guides (MIG)
Banking integration with DNB and use of Our message guides ensure a good and flexible solution.
Test format and payment types
We offer our customers the use of a validation tool called XMLdation. With this tool, you as a developer can test the format and payment types you are working with on an ongoing basis.
- Contact us at tci@dnb.no to be assigned a username and password. We will respond to you within the next working day.
Important! New requirements for address information in international payments
From 15 November 2026, new requirements for information about the recipient's address will be introduced for all international payments. This means that only fully structured or hybrid addresses will be accepted.
- Fully structured addresses: All address elements must be registered in separate fields (for example in a pain.001 file in accordance with the ISO 20022 XML format or in online banking).
- Hybrid addresses: City and country are registered in separate fields, whilst the rest of the information can be unstructured as it is today.
All international payments that do not meet these requirements will be rejected.
Fully structured addresses: All address elements must be registered in separate fields (for example in pain.001 file in accordance with ISO 20022 XML format or in online banking).
Example of structured address layout in payment file:
<Cdtr>
<Nm>John Smith</Nm>
<PstlAdr>
<StrtNm>Hoogstraat</StrtNm>
<BldgNb>6</BldgNb>
<BldgNm>Premium Tower</BldgNm>
<Flr>18</Flr>
<PstCd>1000</PstCd>
<TwnNm>Brussels</TwnNm>
<Ctry>BE</Ctry>
</PstlAdr>
</Cdtr>
Hybrid addresses: City and country are recorded in separate fields, whilst the rest of the address can be unstructured as it is today.
Example of hybrid address setup in payment file:
<Cdtr>
<Nm>JOHN SMITH</Nm>
<PstlAdr>
<PstCd>1000</PstCd>
<TwnNm>BRUSSELS</TwnNm>
<Ctry>BE</Ctry>
<AdrLine>HOOGSTRAAT 6, 18th floor</AdrLine>
</PstlAdr>
</Cdtr
The change is a result of new requirements from SWIFT, which apply to all banks using the SWIFT network. The aim is to ensure more precise and efficient processing of international payments.
To ensure that your payments proceed as normal, we ask you to do the following:
- Update address information. Check that you have the correct address information for all recipients of international payments. You must have: the correct place name (city) and country code (ISO 2-letter code).
- Share the information internally. Ensure that everyone who handles international payments in your company is aware of the new requirements and follows them.
- Do you pay via an accounting or ERP system? If so, you should also check that the system is updated and can handle the new requirements. We work with the largest system providers, who are already in the process of adapting their solutions.
The requirements apply to all parties involved in international payments.
- Payer:The information is retrieved from the bank's customer register, so you do not need to do anything here.
- Payee:The requirements also apply to the recipient of the payment.
For SEPA payments there is no requirement for the recipient's address, but if an address is used, it must be structured or hybrid.
Message Implementation Guides (MIG)
Our message guides cover payments out, payments in and account information.
Error messages
If a file is rejected with 'Initiating party ID must be numeric', the file has been rejected either due to an incorrect customer number or an incorrect division name in the file. This must be changed in the accounting system before the file is sent again.
Tip! If you have a division with Æ, Ø or Å in the division name, this may be the reason you are getting an error on the division name. XML is an international file format and Æ, Ø and Å are treated as special characters.
If you receive this error message, there may be three reasons for it.
- The debit account is a tax deduction account and the recipient is not a valid account number with the Norwegian Tax Administration
- You are trying to debit an account that cannot be debited, for example a fixed-term deposit.
- There is no authorisation to debit the account you are trying to debit.
See also
File transfer
Error messages, sending and retrieving payment files in the corporate online bank
Corporate online bank
Useful tips and tricks to get the most out of the corporate online bank
Payment
Find answers to your questions about payments, files and payment solutions
Account
What you need to know about access, payment documentation/archive, opening and closing accounts
International payment
Here is everything you need to send and receive international payments
Contact us
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