# FIK (Fælles Indbetalingskort)

> Source: https://docs.barcoder.ai/docs/standards/fik
> research date 2026-10-06 · extracted at 2026-10-06
> Publisher: Barcoder — encyclopedia of QR, barcode and payment-code standards

Specifications:
- [Det Fælles IndbetalingsSystem — Fremstilling af indbetalingskort +71< (PBS A/S, August 2009)](https://danskebank.dk/PDF/Blanketter/ERHVERV/Indbetalingskort/Fremstilling_af_71-kort.pdf)
- [Det Fælles IndbetalingsSystem — Fremstilling af indbetalingskort +73< (PBS A/S, August 2009)](https://danskebank.dk/PDF/Blanketter/ERHVERV/Indbetalingskort/fremstilling_af_73-kort.pdf)
- [Det Fælles IndbetalingsSystem — Fremstilling af indbetalingskort +75< (PBS A/S, August 2009)](https://danskebank.dk/PDF/Blanketter/ERHVERV/Indbetalingskort/fremstilling_af_75-kort.pdf)

## 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<` <sup>[1][1]</sup><sup>[12][12]</sup>. 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 <sup>[1][1]</sup><sup>[6][6]</sup><sup>[7][7]</sup>. FI-kort use card types **71, 73 and 75**; the older *girokort* family it modernises uses card types **01, 04 and 15** <sup>[6][6]</sup>.

## 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** <sup>[6][6]</sup>.
- *Det Fælles IndbetalingsSystem* was "developed jointly by the banks and PBS A/S" <sup>[1][1]</sup>. PBS A/S (Ballerup) published the form-production handbooks and ran the voluntary FI form-approval service ("FI-godkendelse"), including issuing printer numbers (*bogtrykkernummer*) <sup>[1][1]</sup>.
- Danske Bank's FIK terms dated **December 2002** already offered the three card types 71, 73 and 75 <sup>[4][4]</sup>; the current PBS technical handbooks for +71, +73 and +75 are dated **August 2009** <sup>[1][1]</sup><sup>[2][2]</sup><sup>[3][3]</sup>.
- **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 <sup>[8][8]</sup>.
- In **March 2021** Mastercard completed the €2.85 billion purchase of Nets' account-to-account business, including Betalingsservice in Denmark <sup>[10][10]</sup>. 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 <sup>[1][1]</sup>. 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 <sup>[1][1]</sup>:

| 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<` <sup>[1][1]</sup><sup>[12][12]</sup>.

- **Font:** OCR-B size 1, digits 0–9 plus the graphic characters `<` and `+`; only original slips can be processed <sup>[1][1]</sup>.
- **Ink:** the whole OCR line and the navigation marks must be printed in full-coverage deep black; stroke width 0.35 mm <sup>[1][1]</sup>.
- **Card-type code:** surrounded by `+` and `<`; it identifies the form type and the processing routine <sup>[1][1]</sup>.
- **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 <sup>[1][1]</sup>. 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#` <sup>[11][11]</sup>.
- **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 <sup>[1][1]</sup>.

### 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 <sup>[1][1]</sup><sup>[4][4]</sup><sup>[6][6]</sup> |
| **+73** | FI-kort | None | Yes | Message on slip; online banking allows 41 lines × 35 chars; manual posting only <sup>[2][2]</sup><sup>[4][4]</sup> |
| **+75** | FI-kort | 16 digits (15 + check digit) | Yes | Combination of 71 and 73 <sup>[3][3]</sup><sup>[4][4]</sup><sup>[6][6]</sup> |
| **+01** | Girokort | None | Yes (minimum 1 line) | Giro account number instead of FI creditor number <sup>[5][5]</sup><sup>[13][13]</sup> |
| **+04** | Girokort | 16 digits | No | Described as the most used girokort type <sup>[6][6]</sup><sup>[13][13]</sup> |
| **+15** | Girokort | Up to 19-digit payer ID field | — | Accepted in bank payment files together with 01 and 04 <sup>[5][5]</sup> |

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) <sup>[5][5]</sup>.

### 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) <sup>[1][1]</sup><sup>[3][3]</sup>. This is the Luhn algorithm, which Odoo's implementation calls directly <sup>[12][12]</sup><sup>[14][14]</sup>. Microsoft's implementation uses the weight string `12121212121212` for +71 and `212121212121212` for +04 <sup>[15][15]</sup>.
- **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 <sup>[2][2]</sup><sup>[3][3]</sup>.

### 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 <sup>[2][2]</sup>) gives `+71<000000000123455+80882939<`. The example `+71<022646321691221+88655702<` quoted in one explainer <sup>[12][12]</sup> 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 <sup>[1][1]</sup><sup>[6][6]</sup>.
- **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" <sup>[7][7]</sup>. Lunar Business in Denmark offers "scan and pay" from a photo of the bill <sup>[9][9]</sup>.
- **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) <sup>[13][13]</sup><sup>[14][14]</sup><sup>[15][15]</sup>.
- **E-invoicing:** Danish OIOUBL invoices carry FIK details as payment means code 93 <sup>[11][11]</sup>.
- **Corporate bulk payments:** bank payment files have dedicated FI and girokort record types <sup>[5][5]</sup>.

## Implementations

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

- **[odoo/odoo — `l10n_dk_fik`](https://github.com/odoo/odoo/tree/master/addons/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 <sup>[14][14]</sup>.
- **[microsoft/BCApps — `src/Apps/DK/FIK`](https://github.com/microsoft/BCApps/tree/main/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 <sup>[15][15]</sup>. Supported combinations per Microsoft's documentation: 01, 04, 71, 73 <sup>[13][13]</sup>.
- **[Uniconta/Uniconta-Pages](https://github.com/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 <sup>[18][18]</sup>.

## Comparison

- **FIK vs. [KID (Norwegian payment reference)](https://docs.barcoder.ai/docs/standards/kid) (Norway) and Swedish OCR numbers:** all three attach a customer/invoice reference to a domestic payment so the payee can reconcile automatically <sup>[12][12]</sup>. 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 <sup>[1][1]</sup>.
- **FIK vs. [RF Creditor Reference (ISO 11649)](https://docs.barcoder.ai/docs/standards/rf-creditor-reference):** 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 <sup>[17][17]</sup>. FIK is numeric only, uses a modulus-10 check digit and only works within the Danish system <sup>[1][1]</sup>. Choose RF for cross-border or SEPA invoices; FIK for domestic DKK collection through Danish banks.
- **FIK vs. [EPC QR / Stuzza](https://docs.barcoder.ai/docs/standards/epc-qr):** the EPC QR code (European Payments Council guidelines, February 2013) is a 2D barcode for a euro credit transfer <sup>[16][16]</sup>. FIK is a printed OCR text line rather than a barcode, and Denmark's domestic mobile QR payments run through [MobilePay/Vipps QR](https://docs.barcoder.ai/docs/standards/mobilepay) 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) <sup>[1][1]</sup><sup>[3][3]</sup>.
- 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 <sup>[1][1]</sup><sup>[4][4]</sup>.

## 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 <sup>[6][6]</sup>. Danske Bank's current help pages support typing or scanning a payment form <sup>[7][7]</sup>, and Odoo and Microsoft Business Central both changed their FIK modules in September 2026 <sup>[14][14]</sup><sup>[15][15]</sup>. No successor standard was identified.

## Sources

[1] [Det Fælles IndbetalingsSystem — Fremstilling af indbetalingskort +71<: Tekniske specifikationer](https://danskebank.dk/PDF/Blanketter/ERHVERV/Indbetalingskort/Fremstilling_af_71-kort.pdf) — PBS A/S (hosted by Danske Bank), August 2009, accessed 2026-10-06.
[2] [Det Fælles IndbetalingsSystem — Fremstilling af indbetalingskort +73<](https://danskebank.dk/PDF/Blanketter/ERHVERV/Indbetalingskort/fremstilling_af_73-kort.pdf) — PBS A/S (hosted by Danske Bank), August 2009, accessed 2026-10-06.
[3] [Det Fælles IndbetalingsSystem — Fremstilling af indbetalingskort +75<](https://danskebank.dk/PDF/Blanketter/ERHVERV/Indbetalingskort/fremstilling_af_75-kort.pdf) — PBS A/S (hosted by Danske Bank), August 2009, accessed 2026-10-06.
[4] [Vilkår for Fælles indbetalingskort (FIK)](https://danskebank.dk/PDF/Priser-vilkaar-faktaark/Erhverv/Betalinger/VilkaarFIK.pdf) — Danske Bank, December 2002, accessed 2026-10-06.
[5] [Betalingsfil KASEL — record layouts](https://media.sparnord.dk/dk/erhverv/support/betalingsfil-kasel.pdf) — Spar Nord, accessed 2026-10-06.
[6] [Girokort — ordbog](https://dinero.dk/ordbog/girokort/) — Dinero, updated 2026-05-27, accessed 2026-10-06.
[7] [Paying a payment form](https://danskebank.dk/en/personal/help/payments-and-transfers/paying-a-payment-form) — Danske Bank, accessed 2026-10-06.
[8] [Nu kan du betale regninger på mobilen](https://mobilsiden.dk/?p=104216) — Mobilsiden.dk, 2010-12-15, accessed 2026-10-06.
[9] [Scan and pay](https://support.lunar.app/en/articles/6227863-scan-and-pay) — Lunar Support, accessed 2026-10-06.
[10] [Nets Group Completes the Sale of Its Account-to-Account Services Business to Mastercard](https://www.paymentsjournal.com/nets-group-completes-the-sale-of-its-account-to-account-services-business-to-mastercard/amp/) — PaymentsJournal, 2021-03-05, accessed 2026-10-06.
[11] [VRBL-INV-DK-1p0-22](https://comp-tx-docs.ecosio.com/rules/VRBL-INV-DK-1p0-22.html) — ecosio (OIOUBL validation rules), accessed 2026-10-06.
[12] [FIK number in Denmark explained](https://lookuptax.com/docs/explainers/FIK-number-Denmark) — LookupTax, accessed 2026-10-06.
[13] [Payments and reconciliation formats in the Danish version](https://github.com/MicrosoftDocs/dynamics365smb-docs/blob/main/business-central/ui-extensions-payments-reconciliation-formats-dk.md) — Microsoft Docs (GitHub), accessed 2026-10-06.
[14] [odoo/odoo — addons/l10n_dk_fik](https://github.com/odoo/odoo/tree/master/addons/l10n_dk_fik) — Odoo S.A. (GitHub), accessed 2026-10-06.
[15] [microsoft/BCApps — src/Apps/DK/FIK](https://github.com/microsoft/BCApps/tree/main/src/Apps/DK/FIK) — Microsoft (GitHub), accessed 2026-10-06.
[16] [EPC QR code — Wikipedia](https://en.wikipedia.org/wiki/EPC_QR_code) — Wikipedia, accessed 2026-10-06.
[17] [Creditor Reference — Wikipedia](https://en.wikipedia.org/wiki/Creditor_Reference) — Wikipedia, accessed 2026-10-06.
[18] [Uniconta/Uniconta-Pages](https://github.com/Uniconta/Uniconta-Pages) — Uniconta (GitHub), accessed 2026-10-06.

[1]: https://danskebank.dk/PDF/Blanketter/ERHVERV/Indbetalingskort/Fremstilling_af_71-kort.pdf
[2]: https://danskebank.dk/PDF/Blanketter/ERHVERV/Indbetalingskort/fremstilling_af_73-kort.pdf
[3]: https://danskebank.dk/PDF/Blanketter/ERHVERV/Indbetalingskort/fremstilling_af_75-kort.pdf
[4]: https://danskebank.dk/PDF/Priser-vilkaar-faktaark/Erhverv/Betalinger/VilkaarFIK.pdf
[5]: https://media.sparnord.dk/dk/erhverv/support/betalingsfil-kasel.pdf
[6]: https://dinero.dk/ordbog/girokort/
[7]: https://danskebank.dk/en/personal/help/payments-and-transfers/paying-a-payment-form
[8]: https://mobilsiden.dk/?p=104216
[9]: https://support.lunar.app/en/articles/6227863-scan-and-pay
[10]: https://www.paymentsjournal.com/nets-group-completes-the-sale-of-its-account-to-account-services-business-to-mastercard/amp/
[11]: https://comp-tx-docs.ecosio.com/rules/VRBL-INV-DK-1p0-22.html
[12]: https://lookuptax.com/docs/explainers/FIK-number-Denmark
[13]: https://github.com/MicrosoftDocs/dynamics365smb-docs/blob/main/business-central/ui-extensions-payments-reconciliation-formats-dk.md
[14]: https://github.com/odoo/odoo/tree/master/addons/l10n_dk_fik
[15]: https://github.com/microsoft/BCApps/tree/main/src/Apps/DK/FIK
[16]: https://en.wikipedia.org/wiki/EPC_QR_code
[17]: https://en.wikipedia.org/wiki/Creditor_Reference
[18]: https://github.com/Uniconta/Uniconta-Pages

## Deployments

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

- **DK** — [DK-denmark.md](https://docs.barcoder.ai/docs/payments/DK)