Denmark · Bank Connect · Bankdata · BEC · NBS
Connect your ERP to any Bank Connect bank.
One web service in front of three Danish data centres. Payments go out as pain.001.001.03; status and statements come back as pain.002 and camt. We handle activation, certificates and the differences between the data centres.
The service
- Run by
- Bankdata · BEC · NBS
- Interface
- SOAP web service, WS-Security
- Version
- 2019/04/04
- Payments
- pain.001.001.03
- Status
- pain.002.001.03
- Statements
- camt.052 · camt.053 · camt.054 (.001.02)
Published by Bank Connect
The solution page and the ERP-supplier pages.
What Bank Connect is
| Behind it | The data centres Bankdata, BEC and NBS, with Regionale Bankers Forening and Lokale Pengeinstitutter |
| NBS | Netcompany Banking Services — formerly SDC, since 1 July 2025 |
| Rights | Owned by the data centres behind Bank Connect |
| Cost to ERP providers | None — made available free of charge |
| How a company gets access | Through its own bank |
| Developer package | Programming guide, API document, formats — free registered login |
| ERP-supplier whitelist | Public list, joined with a declaration of intent |
| Not on Bank Connect | Danske Bank and Nordea — both run their own corporate channels |
A Bank Connect bank does not run its own corporate interface. It runs on one of three data centres, and Bank Connect is the interface those data centres share. The bank decides the agreement; the data centre decides how payments and status messages behave.
Published by Bank Connect
The FAQ for ERP suppliers.
Service addresses
| Production | https://bankconnectservices.dk/2019/04/04/services/CorporateService |
| Root certificates | Published per data centre: Bankdata, BEC, NBS |
| Bank identifier | The bank's main registration number, published per bank |
Published by Bank Connect
The technical FAQ; the operation names are the service's own.
Activation and certificates
| The agreement | Ordered from the company's own bank |
| From the bank | Agreement ID (formerly function ID) and an activation code |
| Bank certificate | getBankCertificate |
| Activation | activateServiceAgreement — certificate request plus activation code |
| Renewal | renewCustomerCertificate |
| Failed attempts | Too many block the activation code |
Published by Bank Connect
The supported-solutions and upcoming-solutions pages.
Formats
| Domestic · foreign · SEPA · Nemkonto | pain.001.001.03 |
| Control reply and status | pain.002.001.03 |
| Posting overview | camt.052.001.02 |
| Account movements, end of day | camt.053.001.02 |
| Advices and giro notifications | camt.054.001.02 |
| pain.001.001.09 | Not planned — Bank Connect keeps pain.001.001.03 |
New rules are applied inside the existing version, not by moving to a new one. Domestic instant transfers have required the recipient's name, with advice text of up to 140 characters, since Easter 2025. Foreign transfers have required structured address fields and the recipient's name since 23 November 2025.
Published by Bank Connect
The solution matrix and the data centres' pain.001 and pain.002 notes.
Where the three data centres differ
| Bankdata | BEC | NBS | |
|---|---|---|---|
| Positive status (pain.002) | Yes | No | Yes |
| Status when a user rejects in the web bank | Yes | Yes | No |
| Insufficient funds as a status | Yes | No | No |
| Payment dated on a non-banking day | Moved to next banking day | Rejected | Moved to next banking day |
| Creditor BIC on international payments | Not required | Required | Not required |
| Charge bearer on international payments | Not required | Required | Required |
| “?” in international payments | Allowed | Allowed | Not allowed |
| camt.054 debit and credit advices | Yes | Yes | No |
| camt.054 complete booked entries | Yes | Yes | No |
| Foreign cheques · ICM payments | Yes | No | No |
| pain.002 error texts | Danish and English | Mixed, narrative | Mixed, with a code |
The same pain.001 file can be accepted at one data centre and rejected at another. A BEC bank never confirms an accepted payment with a status message, so settlement is read from the end-of-day statement. An NBS bank sends nothing when a user rejects a payment in its web bank.
BankConnector
What is built and shipped for Bank Connect banks today.
What our engine produces
| Payment format | pain.001.001.03 |
| Charge bearer | SLEV |
| Batch booking | False |
| Remittance limit | 140 characters |
| Name limit | 70 characters |
| Character set | Latin — transliterated before the bank sees it |
| Payment types built | SEPA credit transfer · SEPA instant · domestic account transfer · express (straks) · FIK · salary, including Nemkonto · international |
| Read back | pain.002, camt.053, camt.054 — one normalised format |
| BEC settlement | Taken from camt.053, since BEC sends no positive status |
| Certificate expiry | Alerts 30, 14 and 7 days before; renewed over renewCustomerCertificate |
BankConnector
Questions
- What is Bank Connect?
- Bank Connect is the common web service that Danish banks on the Bankdata, BEC and NBS data centres offer for exchanging payments and account entries directly with a company's ERP or finance system. It is run by the three data centres together with Regionale Bankers Forening and Lokale Pengeinstitutter.
- Which banks use Bank Connect?
- Banks whose IT runs on the Bankdata, BEC or NBS data centres, among them Jyske Bank, Sydbank, Nykredit Bank, Ringkjøbing Landbobank and Sparekassen Kronjylland. Danske Bank and Nordea are not on Bank Connect; each runs its own corporate channel.
- How does a company get access to Bank Connect?
- Through its own bank. The bank sets up the Bank Connect agreement and issues an agreement ID (formerly called function ID) and an activation code. Those are used to activate the agreement, and the data centre issues the certificate.
- Which formats does Bank Connect use?
- Payments are sent as pain.001.001.03. Control replies and status messages come back as pain.002.001.03, and statements as camt.052.001.02 (posting overview), camt.053.001.02 (end of day) and camt.054.001.02 (advices).
- Will Bank Connect move to pain.001.001.09?
- Bank Connect has stated that it will not change pain.001.001.03. New requirements, such as structured addresses on foreign transfers from 23 November 2025, are applied within the existing version.
- Do the data centres behave the same way?
- No. BEC sends no positive status message for an accepted payment and rejects payments dated on a non-banking day. NBS sends no status when a user rejects a payment in the web bank. BEC requires a creditor BIC on international payments, and BEC and NBS both require a charge bearer on them.
- Can I connect my ERP to a Bank Connect bank with BankConnector?
- Yes. You send canonical JSON and BankConnector produces the pain.001.001.03 file Bank Connect expects, then reads pain.002, camt.053 and camt.054 back into one normalised format. SEPA credit transfers, SEPA instant, domestic account transfers, express transfers, FIK, salary payments including Nemkonto, and international payments are supported.
If all of this looks like a lot · it does not have to be
Five steps to a live Bank Connect connection.
You do not need to know what any of the codes above mean. Our setup guide walks you through it one screen at a time.
- 1
Order Bank Connect from your bank
The agreement comes from the bank, not from Bank Connect. We tell you what the bank will ask: which statements you want, and whether payments are approved in its web bank or before they are sent.
- 2
Enter the agreement ID and activation code
your bank issues an agreement ID and a separate activation code. Those two values are all the setup form needs; we already hold the bank's registration number.
- 3
Activate
One press. We fetch the data centre's certificate, send a certificate request with your activation code, and store the certificate the data centre issues.
- 4
Choose your approval policy
Decide who approves payments before they leave, and the connection switches on.
- 5
You are now in production with your bank
Payments go out as pain.001 and status and statements come back as pain.002 and camt. We alert you well before the certificate expires.
Sources — Bank Connect’s solution page, FAQ for ERP suppliers, technical FAQ, list of financial institutions, supported solutions and upcoming solutions, and Netcompany’s announcement of the completed combination of Netcompany Banking Services and SDC. BankConnector is not affiliated with Bank Connect, Bankdata, BEC or Netcompany Banking Services.