Modifications to one-time transfers implemented as a result of the ISO 20022 standard

We have implemented changes to the processing of one-time  transfers in the iPKO biznes. These changes are required by the ISO 20022 standard. From now on, you can use the new form, save your counterparty’s details in the database, or import transfers using the new XML format.

What has changed?

1. One-time Transfer Form
   We have updated the fields and data structure on the form to comply with the new payment standards.
   • You can find new sections and fields in the form, including a dedicated field for the counterparty’s name
   • You can add the counterparty’s address. To do this, use the option I want to add the counterparty’s address details. We have added separate fields to fill in, such as: street, building number, room number, town, postcode, country
   • Once you select the country, the system indicates the mandatory and recommended address fields. You can fill in the remaining address fields additionally
   • You can also enter the counterparty’s LEI code, which is a 20-character identifier for entities operating in financial markets
   • From mid-November 2026, you will have to specify the counterparty’s country and town in one-time transfers
   • During the transition period, that is until mid‑November 2026, you can make transfers as before
2. Changes in the Counterparty Database
   We have expanded the type of information you can save in the database for counterparties. The changes include:
   • the counterparty’s name
   • the counterparty’s address, which you can enter in separate fields
   • the counterparty’s identifiers – you can provide the the LEI code
   • the counterparty import creator – we have added new fields that you can use when creating your own formats
3. New XML file import format pain.001.001.0
   The new XML file format provides for the transfer of a wide range of payment details and improves compatibility with financial and accounting systems.
   • The new XML format includes SEPA transfers, international transfers, SWIFT GPI international transfers, and internal transfers
   • The previous import formats will still be available during a transitional period – until mid-November 2026
   • From mid-November 2026, we will be removing most foreign formats. You will still be able to use the ELIXIR-0 format for domestic transfers and the file import creator
   • If you use the file import function, please check the technical specifications for the new pain.001.001.09 file format. Check if the transfer files generated comply with the new structure. If not, adjust the configuration of your financial and accounting system to the new format
   • We have published detailed technical specifications for the new format on the website of PKO Bank Polski Niederlassung Deutschland, in the Information & documents section, under Data import format
4. Reports and Statements
   • The existing statements and reports (MT940, ELIXIR, camt.053) available in the iPKO biznes remain unchanged
   • In addition, at the customer’s request, we have made a second statement format available. The new statements compliant with the ISO 20022 standard are: 053.001.08 (daily statement) and camt.052.001.08 (intraday statement)

If you have any questions, please contact Online Banking Support on 801 36 36 36 (option 3) or 61 855 94 94 (email at ipkobiznes@pkobp.pl)