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Connectivity

EBICS

Cobase supports EBICS connectivity for corporates operating in regions where it is the banking standard, such as Germany, France, Switzerland, and Austria. EBICS enables secure, automated file-based communication with banks for payments, reporting, and acknowledgements.

Cobase supports multiple EBICS versions, including 2.4, 2.5 and  3.0. This ensures compatibility with all bank setups and those that have migrated to the ISO 20022-based standard. EBICS can be used alongside SWIFT, Host-to-Host, and API connections depending on bank capability and business requirements.

 

 

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EBICS

Multi-bank connectivity made simple

Fragmented banking setups across systems, regions, and entities cause manual work, token overload, and inconsistent audit trails. Cobase centralizes all bank connectivity in one secure platform, eliminating the need for separate integrations and portals.

With one connection from your ERP to Cobase, you gain access to a wide range of banks. Cobase handles the complexity—authentication, formatting, and communication—behind the scenes.

Bank
Direct bank file exchange via EBICS

Connect to banks across Europe using secure EBICS channels for sending payment files and receiving reporting data such as bank statements and status messages.

InHouseBanking
Support for EBICS 2.4, 2.5 and 3.0

Cobase ensures full support for banks using any of these versions, allowing smooth implementation and compatibility across all EBICS-compliant jurisdictions.

Token
Simplified signature handling

Cobase uses Type E-signatures, meaning you no longer need to manage extensive per-bank signatory lists. Approval workflows remain internal, and Cobase handles the rest.

SmartWorkFlow
Multi-format support

Cobase handles a wide range of file formats, including ISO 20022 (e.g. pain.001, camt.053, camt.052), MT formats, and local bank-specific standards. Cobase manages all mappings and conversions.

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Centralized monitoring and control

All flows — inbound and outbound — are tracked within the Cobase platform, providing full transparency and audit logs.

Complexity
End-to-end support

Cobase manages the full setup: onboarding, format validation, testing, encryption, and ongoing maintenance. No in-house bank-specific development is needed.

Key features

EBICS 2.4, 2.5, and 3.0 fully supported
Secure exchange of payments and reporting files
ISO 20022 and legacy format compatibility
Utilizes Type E-signatures, eliminating the need to maintain signatory libraries at each bank
End-to-end file tracking and error monitoring
Seamless integration with ERP and Cobase Payment Module
Works alongside SWIFT, Host-to-Host, and APIs
Managed setup and ongoing support — no IT burden

Frequently asked questions

What is EBICS?

EBICS is a secure protocol used for exchanging financial files with banks, particularly in Germany, France, Switzerland, and Austria.

Which EBICS versions does Cobase support?

Cobase supports EBICS 2.4, 2.5, and 3.0.

How does Cobase handle signatures?

Cobase uses Type E-signatures, so you no longer need to maintain a full signatory database per bank. All approvals are handled internally before transmission.

What formats can we exchange?

Cobase supports ISO 20022 files (pain.001, camt.053, camt.052) and local legacy formats.

Can EBICS be used together with other protocols?

Yes. Cobase supports SWIFT, EBICS, API, and H2H simultaneously — allowing you to choose the most effective setup per bank or region.

Who is responsible for EBICS setup and maintenance?

Cobase manages the full EBICS setup with each bank, including key exchange, user configuration, format testing, and ongoing maintenance. No technical effort is required from your internal IT team.

Interested?

Manage all your bank accounts centrally with Cobase

Simplify your cash management and save valuable time. One platform, complete control over all your financial flows.
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