An open system
Bankgirot is an open system. It is open for both the payer and the payee. As a payer, you can always reach the payee, regardless of who you bank with. As a payee you can receive payments from anyone, regardless of who you bank with. All banks operating in Sweden can participate in the open bankgiro system. Bankgirot is the link between the sender and receiver of the payment in the system, transferring the payment and distributing information about the transaction to all the parties involved. The information is always transmitted, regardless of the participating banks at either end of the transaction.
The bankgiro number
A bankgiro number can be connected to the banks and bank accounts you choose. The Bankgiro number is not an account number, but an address that points to a bank account. When you need to receive a payment, you just need to supply your bankgiro number – you never need to give out your bank account number. This is always hidden from the payer. If you change banks, you can keep your existing bankgiro number and your bankgiro payments will continue to work in the normal way.
Efficient payments
Bankgirot can offer everything from form payments for small businesses to automated electronic payment solutions for companies with computerised accounting systems. Bankgirot has established working relations with several of the largest producers of business, financial and communications software. Together, we are creating efficient business solutions for payments, saving companies both time and money.
Incoming payments
- Autogiro (Direct Debit) means that payments are transferred automatically from the payer’s bank account to the payee’s account on the due date – not early or late.
- Bankgiro Inbetalningar (Bankgiro Receivables) is a comprehensive payment service that creates simple and efficient procedures for managing payments and reconciliations in the sales ledger. The service combines all functions from Bankgirot’s range of services for incoming payments and also includes entirely new functions.
- Inbetalningsservice OCR (Payment Services OCR) involves your company sending a pre-printed deposit slip to the payer, with a reference number. The payments are checked as a data file sent to the payee, who can check these automatically against the accounts receivables ledger.
Outgoing payments
- Leverantörsbetalningar (Supplier Payments), the comprehensive service for outgoing payments. The payment message can be issued when it leaves your company, and Bankgirot makes the payment on the payment date. The payment can be made in a number of ways.
- Löner (Salaries)
Send a data file with the salary payment instruction to Bankgirot when it suits you – the money will be available in the employee’s account on the salary payment date. Your company avoids having to get involved with sending salary lists to the bank. The payments reach the employees regardless of who they bank with.
- Communication and security
Secure transfer of data files is important when it comes to your company’s money. Bankgirot offers a number of methods for file transfers to and from your company, depending on the size of the company and the type of IT equipment used. Electronic anti-tampering protection provides security against the file being manipulated during the transfer between your company and Bankgirot.
All banks offer bankgiro services
All banks operating in Sweden can now offer bankgiro services. In addition to the basic services, each individual bank can also develop individual service solutions which include Bankgirot's services.
By channelling all payments directly into your company's bank account via Bankgirot, you will also avoid using your company’s credit unnecessarily. This will allow you to avoid having a surplus on one account and a deficit on another. Working with outgoing payments is also simplified by using a single channel – Bankgirot/your bank account.
Choose the bank which suits you best
Choose the bank which you want to bank with. The bank will help you to arrange a bankgiro number and link the appropriate services to it. Contact your bank for:
- Advice on suitable payment services
- Setting up an agreement for bankgiro services
- All practical matters involving your bankgiro number this includes changing your address or ordering the right forms