The EBICS banking communication protocol

EBICS is a European interbank protocol: it can be used to exchange information with any bank in France, Germany or Austria. In addition to banks in these three countries, other European banks are integrating this protocol.
There are two versions of EBICS
EBICS T (for transport) allows files to be exchanged EBICS TS (for transport and signature) enables files to be exchanged and orders to be signed digitally

EBICS 3.0, what is it?

The EBICS banking protocol is used in France, Germany, Austria, and Switzerland. But these three countries have a different version of the protocol. EBICS 3.0 was thus created to offer a harmonised version: its technical characteristics and functionalities are the same for all the using countries.
EBICS transmissions

EBICS access and transmissions

Access to the EBICS protocol is free, and transmissions are carried out over the internet in a secure form using the following model:

  • The banks provide their customers with an EBICS server which allows them to receive their statements (account statements…) and to send their banking orders (within the framework of a service contract)
  • The banking and treasury management applications have an EBICS module allowing communication with the banks’ servers
The EBICS protocol falls under the governance of EBICS SCRL, a joint company formed from the French and German banking standardisation committees.

The advantages of EBICS

A single system across France, Germany, Austria, and Switzerland
Compatible with ISO 20022 formats, including SEPA
Electronic signature

Integrated personal digital signature (Mac and Windows compatible)

Internet communications
Free access (quick and very secure, enabling very large files to be sent)

EBICS in Allmybanks

The Allmybanks software can be supplied to you with an EBICS communication link (France, Germany, Austria, and Switzerland). Thanks to Allmybanks and EBICS, you benefit from:

Tight security conditions

  • Your data is hosted in a highly secure environment
  • Order validation rules depend on the amounts involved
  • Authentication systems are highly efficient

Genuine autonomy

  • All users can add new banks directly in Allmybanks with no input on the part of Exalog and no additional cost
  • You create as many users as you want
  • You set up validation workflows per your internal rules