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EBICS: download bank statements from your bank
Developer > Import data > EBICS. EBICS is a secure channel between your company and your bank, used mostly in France, Germany, Austria and Switzerland. With an EBICS contract, Invunion downloads your bank statements by itself, on the schedule you set, imports their transactions and runs matching.
Invunion uses EBICS only to download statements. It never sends payments or any other order to your bank.
Before you start
- An EBICS T contract (transport) with your bank, for the accounts you want in Invunion. Your bank sends you a contract or parameter sheet with a server address, a Host ID, a Partner ID and a User ID.
- The admin role in the Entity. Only admins can set up EBICS.
- The EBICS menu entry. If EBICS is not under Developer > Import data, it is not available for your Entity yet. Contact us.
How EBICS works
- Invunion creates your keys. They identify you to the bank. They stay sealed on Invunion’s side and are never shown, not even to admins.
- Invunion sends your public keys to the bank, and you confirm them on paper with a signed initialisation letter.
- The bank activates your access. Invunion fetches the bank’s keys, and you check them against the ones your bank published.
- Invunion downloads your statements on the schedule you set. Each file is imported like an automatic statement: the transactions are added to the right company account and matching runs on them.
Add an EBICS contract
- Select Add EBICS contract.
- In Bank, pick your bank. When Invunion knows your bank’s published parameters, it fills in the Bank server address (URL) and the Host ID. Check them against your contract. If your bank is not listed, choose Other bank (enter the details).
- Fill in the fields below from your contract.
- Select Add contract. The contract appears with the status Keys needed.
| Field | What to enter |
|---|---|
| Name | A label for you, for example Main bank. |
| Bank | The name of the bank. |
| Bank server address (URL) | The EBICS server address from your contract. |
| Host ID | The bank’s EBICS identifier. |
| Partner ID (customer ID) | Your company’s identifier at the bank. |
| User ID | The identifier of the EBICS user the bank created for Invunion. |
| EBICS version | EBICS 3.0 or EBICS 2.5, as written in your contract. |
Activate the contract
The contract card lists five steps. Do them in order.
- Create your keys. Select Create keys.
- Send the keys to the bank. Select Send keys. Invunion sends your public keys to the bank over EBICS (INI and HIA).
- Sign and send the initialisation letter. Select Print letter, sign it and send it to your bank. The letter lists the hashes of your Signature key (A006), Authentication key (X002) and Encryption key (E002). The bank activates your access once it has checked the letter against the keys it received, which can take a few days.
- Fetch the bank’s keys. Once your bank confirms that your access is active, select Fetch bank keys.
- Check the bank’s keys. Compare the hashes of the Authentication key (X002) and the Encryption key (E002) with the ones your bank published or sent you. Tick These hashes match the ones from my bank only if they match exactly, then select Confirm bank keys. If they differ, do not confirm: contact your bank.
The contract is now Active, and statements download on the schedule.
If your bank asks which IP address will connect, the page shows it: give your bank the address after Invunion connects to banks from.
Contract statuses
| Status | Meaning |
|---|---|
| Keys needed | The contract is added. Create your keys. |
| Ready to send keys | Your keys exist. Send them to the bank. |
| Waiting for the bank | Your keys are sent. Send the signed letter and wait for the bank to activate your access. |
| Check bank keys | The bank’s keys are fetched. Check their hashes and confirm. |
| Active | Statements download on the schedule. |
| Suspended | Downloads are paused. Select Resume to restart them. |
| Failed | The last attempt failed. The card shows the error. |
What the bank allows
Once the contract is active, What the bank allows shows the accounts the bank lists on the contract, with their numbers masked, and the statement files it offers. Select Check with the bank to read them again, for example after the bank changed your contract.
If the bank offers no statement file, ask it to add the files you need to the contract.
Download schedule
Each file type has its own line in Download schedule. Select Edit schedule to change it.
| File | What it contains |
|---|---|
| End-of-day statements (camt.053) | The booked transactions of the previous day. |
| Intraday reports (camt.052) | The transactions of the current day, before the end-of-day statement. |
| Debit and credit notices (camt.054) | Details of individual debits and credits. |
| End-of-day statements (MT940) | The booked transactions of the previous day, in the older SWIFT format. |
For each file, choose:
| Setting | What it does |
|---|---|
| At set times | Downloads at the times you list, for example 07:00, 13:00. |
| Every few minutes | Downloads every Every (minutes) between From and Until. |
| Business days only | Skips weekends. |
| Off | Does not download this file. |
The time zone is shown under the schedule (Europe/Paris by default). A new contract downloads end-of-day statements (camt.053) at 07:00 and intraday reports (camt.052) every 120 minutes from 08:00 to 18:00, on business days.
If the bank does not offer a file in your schedule, Invunion tells you: switch it off, or ask the bank to add it.
Downloads
Downloads lists the latest downloads of the contract: when, Scheduled or Test, the status and the number of files.
| Status | Meaning |
|---|---|
| Running | The download is in progress. |
| Downloaded | New files were downloaded and imported. |
| Nothing new | The bank had no new file. |
| Partly failed | Some file types downloaded, others failed. |
| Failed | Nothing could be downloaded. |
Select Run a test download to download every file type of the schedule now. New statements are imported as usual, and a line already in Invunion is never loaded twice.
Suspend or delete a contract
| Action | What it does |
|---|---|
| Suspend | Pauses the downloads. The keys are kept. |
| Resume | Restarts the downloads. |
| Delete | Deletes the contract and its keys in Invunion. Your contract with the bank stays in place. To reconnect, you create and send new keys. |
Limits to keep in mind
- Invunion downloads statements only. It does not send payments, and it does not need an EBICS contract that allows them.
- The bank decides which accounts and files the contract covers. Invunion only downloads what the bank offers.
- Bank account numbers read from EBICS files are stored encrypted and shown masked, like every account number in Invunion. See Payment methods.
- The sandbox and production Entities are set up separately. Connect your real EBICS contract in your production Entity.
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