DKK credit transfers move to Nordic standard
Corporate customers using Danish kroner (DKK) credit transfers should prepare for new payment standards from 2027, as SEB adopts the NPC format to align Danish payments with Nordic and European standards.
Payment solutions
Simplify your financial tasks with our seamless end-to-end payment solutions. Our team of experts are here to help you navigate complex market standards and regulations to support your business needs.
Our payment solutions align with local, regional, and central banking clearing systems, enabling you to accept, process, manage, and make payments all from one platform.
We offer cash management services both in the Nordic region and internationally. We provide a full suite of local payment products, including salary payments, tailored for domestic clearings as well as SEB’s international payment capabilities.
Our payment solutions
Send payments
Securely pay supplier invoices, transfer funds and pay salaries, all in one place. We meet all your payment needs local, regional and cross border payment options.
Instant payments
Make secure payments without any delays while keeping track of your incoming flows. SEB will continuously enhance instant options in the Nordics and EUR transactions across borders to cater to your treasury requirements.
Receive payments
We manage your incoming payments and support your accounts receivables flows via eInvoice and Direct Debit as well as efficient report products for your reconciliation needs.
Cross-border payments
For your international business, we support incoming and outgoing payments. Through our branches and network, we offer cross-border payments in multiple currencies in your desired markets, along with regional payments like SEPA.
Ongoing and upcoming changes on the payment market
All changes
Discontinuation of unstructured addresses
SEB aligns with the payment industry and SWIFT postponement. But it does not change the long-term direction, the migration to structured address information under the ISO20022 standard remains a strategic priority.
New payment infrastructure in Sweden
Bankgirot, the clearing house for mass payments in Sweden, and the banks carried out extensive development in 2025, which is gradually rolled out during 2026.
Reshaping the future of payments
The global payments landscape is undergoing a seismic shift. “This is not just about a new technical standard – it’s a fundamental restructuring of how payments function, both technically, geographically, and from a business perspective,” says Daniel Lexander, Co-Head of Cash Management.
Nordic payment infrastructure
The future of payments is complex and it takes the combined expertise of many to create tomorrows solutions. Which is why we partner with our clients to support them on their ISO 20022 migration journey.
Solutions for banks
Through our strong capabilities in custody and other bank-related transaction services, we have become the leading interbank provider in Northern Europe. Within sub custody, we provide post trade services in the Nordic and Baltic markets to primarily foreign banks, including universal banks, global custodians and broker dealers.
Integration services
We help you integrate your financial systems with our digital tools and back-office systems. This provides access to a centralised gateway for global payments, collections, reporting and transactions across your markets.
Business Arena
We believe that a world of constant change requires flexible solutions. Business Arena allows you to gather all your services in one place, providing a better overview and deeper insights about your business.
Contact our experts within cash management
Our dedicated team of experts is here to guide you through the complexities of local market dynamics, finding flexible solutions to streamline your day-to-day operations. Together with you, we will support your expansion across borders and ensure that your global treasury needs are met.