General information

In ISO20022, a credit note transaction must be grouped with a debit transaction to the same
creditor. Up to four transactions can be grouped together. Meaning 3 debits can be grouped
with one credit, 2 credits with 2 debits or 3 credits with 1 debit. This is the same for international
payments and SEPA payments.

Bank specific information

DNB

• Credit in SEPA format not supported.
• Supported for International payments.
• A credit in EUR will follow the specification for international payments.
• The total sum of the transactions must be zero or greater.

Nordea

• Credits supported in SEPA format and for international payments.
• The total sum of the transactions must be more than zero for payments other than Bankgiro and Plusgiro payments with credit notes. (Bankgiro and Plusgiro not yet supported)

SEB

• Credit in SEPA format not supported.
• Supported for International payments.
• A credit in EUR will follow the specification for international payments.
• The total sum of the transactions must be zero or greater.