FIK (Fælles Indbetalingskort)

Overview

FIK (Fælles Indbetalingskort, "common payment slip"; also FI-kort) is the Danish payment-slip standard of Det Fælles IndbetalingsSystem, in which a creditor sends the debtor a pre-printed slip whose machine-readable OCR line carries a card-type code, an optional payment ID and an 8-digit creditor number, e.g. +71<000000000123455+80882939< ¹¹². The OCR line is printed in OCR-B size 1 and is read optically at the collecting institution, typed into online banking, or photographed by mobile banking apps ¹⁶⁷. FI-kort use card types 71, 73 and 75; the older girokort family it modernises uses card types 01, 04 and 15 ⁶.

History

The girokort traces back to the Austro-Hungarian and German postal cheque system; Danish postal giro started on 1 January 1920 and was run by Postgiro (later GiroBank, then BG Bank) until Danske Bank took over most of the operation in 2007 ⁶.
Det Fælles IndbetalingsSystem was "developed jointly by the banks and PBS A/S" ¹. PBS A/S (Ballerup) published the form-production handbooks and ran the voluntary FI form-approval service ("FI-godkendelse"), including issuing printer numbers (bogtrykkernummer) ¹.
Danske Bank's FIK terms dated December 2002 already offered the three card types 71, 73 and 75 ⁴; the current PBS technical handbooks for +71, +73 and +75 are dated August 2009 ¹²³.
15 December 2010: Danske Bank added a feature to its Mobilbank app (iPhone and Android) to pay a slip by photographing it; the numbers were recognised and verified on a Danske Bank server before the user entered amount and date ⁸.
In March 2021 Mastercard completed the €2.85 billion purchase of Nets' account-to-account business, including Betalingsservice in Denmark ¹⁰. The sources consulted do not state whether FI-kort processing was part of that transfer.

Technical specification

OCR line ("læselinje")

The read line sits in the bottom field (læsezone, 5/6 in = 21.16 mm high) of the slip's main part, 2/6 in (8.46 mm) above the bottom edge of the zone ¹. It is divided into 58 positions of 1/10 in; positions 1–3 and 34–58 are blank margin and the rest form three fields ¹:

Position	Content
4	`+`
5–6	card-type code (kortartkode), e.g. `71`
7	`<`
8–23 (field 2)	payment ID (betalingsidentifikation) — 16 positions
24	`+`
25–32 (field 1)	8-digit creditor number (kreditornummer)
33	`<`

General layout: +KK<PPPP…P+CCCCCCCC< ¹¹².

Font: OCR-B size 1, digits 0–9 plus the graphic characters < and +; only original slips can be processed ¹.
Ink: the whole OCR line and the navigation marks must be printed in full-coverage deep black; stroke width 0.35 mm ¹.
Card-type code: surrounded by + and <; it identifies the form type and the processing routine ¹.
Creditor number: a unique 8-digit ID assigned by the creditor's bank; it does not reveal which bank holds the account, so a creditor can switch banks without changing it ¹. Danish OIOUBL invoice validation requires it to be exactly 8 characters when payment means code 93 (FIK) is used, with the payment account ID starting 71#, 73# or 75# ¹¹.
Form formats: FIK751, FIK752, FIK7531, FIK7532 (manual vs. machine-filled amount); slip width 99.0–105.0 mm × 210 mm or 198.0–210.0 × 148 mm ¹.

Card types

Card	Family	Payment ID in OCR line	Message to payee	Notes
+71	FI-kort	15 digits (14 + check digit)	No	Allows automatic posting; the most common type ¹⁴⁶
+73	FI-kort	None	Yes	Message on slip; online banking allows 41 lines × 35 chars; manual posting only ²⁴
+75	FI-kort	16 digits (15 + check digit)	Yes	Combination of 71 and 73 ³⁴⁶
+01	Girokort	None	Yes (minimum 1 line)	Giro account number instead of FI creditor number ⁵¹³
+04	Girokort	16 digits	No	Described as the most used girokort type ⁶¹³
+15	Girokort	Up to 19-digit payer ID field	—	Accepted in bank payment files together with 01 and 04 ⁵

Spar Nord's corporate payment-file format (KASEL) shows the field sizes banks accept: girokort records carry a 10-digit giro number, a 2-digit card type (only 01, 04, 15) and a 19-digit payer ID; FI records carry an 8-digit FI number, card type 71/73/75, and a payer ID of 15 digits (71) or 16 digits (75) ⁵.

Check digits

Payment ID (71 and 75): the last digit is a modulus-10 check digit: weights 2, 1, 2, 1 … from the rightmost data digit; two-digit products are reduced to their digit sum; the check digit is 10 minus the remainder of the total mod 10 (0 if the remainder is 0) ¹³. This is the Luhn algorithm, which Odoo's implementation calls directly ¹²¹⁴. Microsoft's implementation uses the weight string 12121212121212 for +71 and 212121212121212 for +04 ¹⁵.
Pre-printed amount (73, 75): if the amount is pre-printed, two check digits computed with ISO 7064 MOD 97-10 can be printed in positions 29–30 of the amount line ²³.

Worked example

Computed here with the rules above (not quoted from a source): payment ID 00000000012345 (14 digits) + Luhn check digit 5, creditor 80882939 (the creditor number on the PBS sample slip ²) gives +71<000000000123455+80882939<. The example +71<022646321691221+88655702< quoted in one explainer ¹² does not pass the modulus-10 rule above (the computed check digit is 6), so it should not be used as test data.

Use cases

Invoices and bills: creditors enclose the slip with an invoice; the debtor can pay at a bank or post office, or transfer from their own account through online banking ¹⁶.
Online and mobile banking: in Danske eBanking the user selects "Pay indbetalingskort" and types the fields; in Danske Mobile Banking the user can "scan or enter the information on the payment form" ⁷. Lunar Business in Denmark offers "scan and pay" from a photo of the bill ⁹.
Accounts-receivable reconciliation: ERP systems generate the +71/+75 string on outgoing invoices and match incoming payments by payment ID (Odoo, Microsoft Dynamics 365 Business Central) ¹³¹⁴¹⁵.
E-invoicing: Danish OIOUBL invoices carry FIK details as payment means code 93 ¹¹.
Corporate bulk payments: bank payment files have dedicated FI and girokort record types ⁵.

Implementations

No dedicated, standalone FIK library with ≥10 stars was found on GitHub. FIK support lives inside ERP localisations:

odoo/odoo — l10n_dk_fik — Python, ~54.9k stars (repository), module last changed 2026-09. Adds "Denmark FIK Number (+71)" and "(+75)" invoice reference models; pads the invoice number to 14 or 15 digits, appends a Luhn check digit (python-stdnum) and emits +{type}<{payment_id}{check}+{creditor}<; validates an 8-digit creditor number ¹⁴.
microsoft/BCApps — src/Apps/DK/FIK — AL, ~692 stars, last changed 2026-09. Business Central's Danish FIK app: generates the +71 string, validates payment references for FIK 71 (≤15 digits) and FIK 04 (16 digits), and imports FIK payment files for bank reconciliation ¹⁵. Supported combinations per Microsoft's documentation: 01, 04, 71, 73 ¹³.
Uniconta/Uniconta-Pages — C#, 28 stars, last pushed 2026-05. Open source pages of the Uniconta ERP, including creditor-payment export formats for Danish banks (BEC, SDC, Nordea) with FIK transaction classes ¹⁸.

Comparison

FIK vs. KID (Norwegian payment reference) (Norway) and Swedish OCR numbers: all three attach a customer/invoice reference to a domestic payment so the payee can reconcile automatically ¹². FIK also puts a card type and the creditor number into the same printed line, so a single typed or scanned line identifies both payee and payment ¹.
FIK vs. RF Creditor Reference (ISO 11649): the RF reference (ISO 11649, introduced end of 2008) is an alphanumeric string of up to 25 characters starting with RF and two check digits, used for the same automatic-matching purpose across borders ¹⁷. FIK is numeric only, uses a modulus-10 check digit and only works within the Danish system ¹. Choose RF for cross-border or SEPA invoices; FIK for domestic DKK collection through Danish banks.
FIK vs. EPC QR / Stuzza: the EPC QR code (European Payments Council guidelines, February 2013) is a 2D barcode for a euro credit transfer ¹⁶. FIK is a printed OCR text line rather than a barcode, and Denmark's domestic mobile QR payments run through MobilePay/Vipps QR instead.

Fun facts

The OCR line is laid out on an imperial grid (positions of 1/10 inch, a 5/6-inch reading zone) while the slip itself follows the metric A-series paper formats (Dansk Standard DS 910 and 912) ¹³.
Any slip a creditor prints themselves has to carry a printer number issued by PBS, and the handbook warns that poor print quality can mean the money cannot be placed or a fault fee is charged ¹⁴.

Status

Active. A May 2026 Danish accounting glossary still describes FI-kort as "the modern version of a girokort" and walks through paying card types 01, 04, 15, 71, 73 and 75 in online banking ⁶. Danske Bank's current help pages support typing or scanning a payment form ⁷, and Odoo and Microsoft Business Central both changed their FIK modules in September 2026 ¹⁴¹⁵. No successor standard was identified.

Sources

1 Det Fælles IndbetalingsSystem — Fremstilling af indbetalingskort +71<: Tekniske specifikationer — PBS A/S (hosted by Danske Bank), August 2009, accessed 2026-10-06. 2 Det Fælles IndbetalingsSystem — Fremstilling af indbetalingskort +73< — PBS A/S (hosted by Danske Bank), August 2009, accessed 2026-10-06. 3 Det Fælles IndbetalingsSystem — Fremstilling af indbetalingskort +75< — PBS A/S (hosted by Danske Bank), August 2009, accessed 2026-10-06. 4 Vilkår for Fælles indbetalingskort (FIK) — Danske Bank, December 2002, accessed 2026-10-06. 5 Betalingsfil KASEL — record layouts — Spar Nord, accessed 2026-10-06. 6 Girokort — ordbog — Dinero, updated 2026-05-27, accessed 2026-10-06. 7 Paying a payment form — Danske Bank, accessed 2026-10-06. 8 Nu kan du betale regninger på mobilen — Mobilsiden.dk, 2010-12-15, accessed 2026-10-06. 9 Scan and pay — Lunar Support, accessed 2026-10-06. 10 Nets Group Completes the Sale of Its Account-to-Account Services Business to Mastercard — PaymentsJournal, 2021-03-05, accessed 2026-10-06. 11 VRBL-INV-DK-1p0-22 — ecosio (OIOUBL validation rules), accessed 2026-10-06. 12 FIK number in Denmark explained — LookupTax, accessed 2026-10-06. 13 Payments and reconciliation formats in the Danish version — Microsoft Docs (GitHub), accessed 2026-10-06. 14 odoo/odoo — addons/l10n_dk_fik — Odoo S.A. (GitHub), accessed 2026-10-06. 15 microsoft/BCApps — src/Apps/DK/FIK — Microsoft (GitHub), accessed 2026-10-06. 16 EPC QR code — Wikipedia — Wikipedia, accessed 2026-10-06. 17 Creditor Reference — Wikipedia — Wikipedia, accessed 2026-10-06. 18 Uniconta/Uniconta-Pages — Uniconta (GitHub), accessed 2026-10-06.

Deployments

Found in the following country reports (grep across reports/countries/):

DK — DK-denmark.md