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Connectivity

APIs

Cobase supports premium bank APIs to enable real-time, secure, and high-performance connectivity between corporates and their banks. Where available, APIs provide faster data exchange than traditional channels and are especially effective for instant payments, intraday reporting, and automated bank account services.

Premium bank APIs can be used alongside SWIFT, EBICS, and Host-to-Host protocols — giving you maximum flexibility and coverage across all your banking partners.

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APIs

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
Real-time account reporting

Instant access to up-to-date account balances and transactions, enabling better intraday cash positioning.

InHouseBanking
Instant and scheduled payments

Initiate payments through API-connected banks with immediate confirmation of acceptance and status.

Screens
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

Real-time access to balances and transactions
Instant payment initiation and status updates
Secure, direct connections to supported banks via premium APIs
Compatible with ISO 20022 formats (pain.001, camt.052, camt.053)
End-to-end file tracking and error monitoringFull integration with Cobase Payment and Cash Management modules
API usage monitored and managed within Cobase
Works in parallel with SWIFT, EBICS, and Host-to-Host channels
Reduces cut-off risks and improves cash visibility

Frequently asked questions

What are premium bank APIs?

They are high-performance APIs provided by banks that offer real-time services for payments, reporting, and account management — beyond what’s available via open banking or PSD2.

Which banks are supported?

Cobase works with a growing number of banks offering premium APIs. Coverage depends on the bank and the country. We help assess and onboard each bank.

What services can be accessed via API?

Balance and transaction reporting, payment initiation, payment status updates, and some account verification services — depending on what each bank offers.

Can we combine API use with other protocols?

Yes. Cobase allows hybrid setups, combining premium APIs with SWIFT, EBICS, and Host-to-Host to ensure full bank coverage.

Who manages the API connection?

Cobase handles the full setup, authentication, maintenance, and monitoring of all bank API connections — no effort required from your 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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