E-banking - Missing incoming payments in reconciliation files from Nordea

Incident Report for Pagero Service

Update

As a temporary workaround, you can check if the transaction were received by checking the PDF presentation in Pagero online, for the file that contains miscellaneous transactions (marked as a supplier reconciliation file in Pagero online).
Posted Nov 12, 2026 - 09:55 CET

Update

We at Pagero are still currently investigating if we can somehow add the missing Bankgiro account number on our side.
Posted Nov 12, 2026 - 09:50 CET

Identified

Summary:
Some customers are missing incoming payments (customer payments) in their reconciliation files from Nordea. This only affected BgMax files that are created by Pagero's convert service.

Cause:
The camt.054 files that Pagero receives from Nordea are missing the Bankgiro number for some transactions. This affects domestic credit transfers made to our customers' Bankgiro accounts that are processed through SEK Batch. SEK Batch is Sweden's new clearing service, which is replacing Bankgirot as the central clearing platform.

Payments are currently processed through both Bankgirot and SEK Batch. A single camt.054 file from Nordea can therefore contain two kinds of transactions:
- Payments made via Bankgirot, where the Bankgiro number is correct.
- Payments made via SEK Batch, where the Bankgiro number is missing.
Nordea has confirmed that this is an error in their reporting of domestic credit transfers.
The missing payments in the BgMax file will be those that the bank performs via the new SEK Batch clearing platform.

Impact:
This affects customers who use Pagero's convert service, which converts incoming camt.054 files to BgMax. BgMax was developed by Bankgirot and depends on Bankgiro numbers. If a transaction has no Bankgiro number, we assume it was not made to a Bankgiro account. We therefore can't identify that it should be included it in the BgMax file, and the payment is missing from your reconciliation file.

Nordea expects to deploy a fix in December. We have told Nordea this is urgent and explained the impact on our shared customers.
We at Pagero are currently investigating if we can somehow add the missing Bankgiro account number on our side.

As a temporary workaround, you can check if the transaction were received by checking the PDF

We will update this post as soon as we have more information.

If you have any questions, please contact our Support team
Posted Nov 12, 2026 - 09:21 CET
This incident affects: Pagero Online.