EBICS
The new Multi Bank Standard in Austria
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EBICS Self-Service
The digital platform for managing your EBICS access data from Erste Bank und Sparkasse for integration into other electronic banking applications.
EBICS Changeover
Everything about the changeover from MBS to EBICS for customers with George Business or another electronic banking application or software.
corporate EBICS.GATE
The reliable MULTIBANKING CHANNEL to your bank.
EBICS Self-Service from Erste Bank und Sparkasse
EBICS Self-Service is the digital onboarding platform for you as an EBICS customer of Erste Bank und Sparkasse.
Who may use EBICS Self-Service from Erste Bank und Sparkasse?
If you are
- an MBS customer of Erste Bank und Sparkasse, or
- an EBICS customer of Erste Bank und Sparkasse
then you can use the EBICS Self-Service from Erste Bank und Sparkasse for your digital onboarding in EBICS.
You can also access the EBICS Self-Service directly in George Business.
Information on how to use it in George Business can be found here: George Business Help Center
Notes for MBS customers of Erste Bank und Sparkasse:
- If you have integrated your Erste Bank und Sparkasse account into an MBS-capable electronic banking program, you automatically have the right to use the EBICS product at Erste Bank und Sparkasse.
- If you use the MBS-capable electronic banking program called “Infinity” from the Raiffeisen banks, you can convert your Erste Bank und Sparkasse account from MBS to EBICS using the corresponding function in Infinity.
- Log in to the EBICS Self-Service with your Erste Bank und Sparkasse account – URL: https://ebics-self-service.sparkasse.at/
- Print out your EBICS access data directly in EBICS Self-Service
- Enter your EBICS access data in your EBICS-enabled electronic banking program
- Print the INI letter (initialization letter) from your EBICS-enabled electronic banking program
- Log in again to the EBICS Self-Service with your Erste Bank und Sparkasse account
- Follow these steps to activate your EBICS user from Erste Bank und Sparkasse directly in EBICS Self-Service:
- Enter the first eight characters of the three hash values (signature key, encryption key, authentication key) from your INI letter and
- authorize this process using your signature method from Erste Bank und Sparkasse
- After successful activation, the status of your EBICS user from Erste Bank und Sparkasse then changes to “Active”.
Your EBICS user from Erste Bank und Sparkasse is now ready for use.
EBICS Changeover
- Multibanking enables the management of all bank accounts at different Austrian banks via a single electronic banking application.
- From October 7, 2024, companies throughout Austria will be able to switch from MBS (Multi Bank Standard) to EBICS (Electronic Banking Internet Communication Standard).
- The previous national standard MBS is expected to be supported in parallel until November 2025 and will then be completely replaced by EBICS.
EBICS is the new multi-bank capable communication standard for electronic data exchange, which enables in particular the processing of payment orders and the exchange of account information between corporate customers and banks.
EBICS introduces an internationally uniform standard throughout the Austrian banking sector, which increases security and reliability in payment transactions.
Your benefits:
- International multi-bank capability: long-term integration of accounts outside Austria also possible*
- Integrated: Payment transactions can be processed directly from financial accounting software.
- Central approval: In George Business: one approval process (e.g. using s Identity) for payment orders from all integrated banks.
- Optimized for ISO 20022: Support for structured address data, which is becoming increasingly important in international payment transactions to ensure smooth payment processing
* From 07.10.2024, only Austrian third-party bank accounts can be integrated into George Business. In the future, it is also planned to add the integration of (e.g. German accounts) via EBICS.
Further information on EBICS can be found at:
Important information about the change
Do you use an MBS-enabled electronic banking application at another Austrian bank (e.g. ELBA, BusinessLine) or non-bank software and have accounts from Erste Bank and the savings banks integrated into it?
- Erste Bank and Sparkassen will support EBICS (for cross-bank access to your accounts) in addition to MBS from 07.10.2024.
- From this date, you can technically switch your accounts at Erste Bank and Sparkassen to the EBICS protocol.
- Your licensing bank, from which you obtain your current MBS-enabled electronic banking application (e.g. ELBA), will actively inform you about the time and the necessary steps for switching from MBS to EBICS. For example, it may be necessary to switch to a new electronic banking application that supports EBICS.
Do you use an MBS-enabled electronic banking application from Erste Bank and Sparkassen (George Business or telebanking MBS) and have accounts from other banks linked to it?
- EBICS will soon be supported in George Business and you will be able to switch from MBS to EBICS for your third-party bank accounts at George Business. We will inform you in good time about the changeover to EBICS and all the necessary steps.
- To benefit from the advantages of EBICS, it is necessary to switch to George Business. Telebanking MBS does not support this standard.
Important:
If you are supported in payment transactions by a tax advisor (e.g. when recording salary payments), it is advisable to consult with your tax advisor before converting to EBICS in order to rule out problems in payment processing during the MBS-EBICS conversion as far as possible.
Questions and answers about EBICS
No, you do not have to sign a new contract.
There are no higher costs at Erste Bank and Sparkassen. Your account-holding bank will inform you about any changes in costs at other Austrian banks.
Do you have any questions about the MBS-EBICS Changeover?
corporate EBICS.GATE
the reliable MULTIBANKING CHANNEL to your bank
The reliable multibanking channel to your bank. With EBICS you can transfer your payments directly and securely to us, retrieve account statements and check your account balance.
Your benefits:
- Use of a modern, Internet-based and open transmission standard specifically for transaction management
- Access to your account around the clock
- Standardized direct connection from any EBICS-enabled software (electronic banking software, ERP software plug-in)
- Connection of your payment accounts at ERSTE Bank und Sparkassen, ERSTE Group Bank, as well as at all our Group Member banking institutions in our international network of CEE countries such as Czech Republic, Slovakia, Romania, Croatia, Hungary, Slovenia, etc.
- Supported protocol versions: EBICS 2.4, EBICS 2.5, EBICS 3.0 (BTF)
Your functional scope:
- SEPA payment transactions - uniform, European payment transactions
- Foreign payment transactions
- Payment transactions via our Group Member banking institutions (CEE countries)
- Account information - camt.052, MT942
- Electronic account statement - PDF, camt.053, MT940
- Return data carrier - camt.054
- Dislocated subscription - enabling a worldwide, time and location separated collective release of your payment orders
Find more information here:
EBICS Parameter
Operating hours of the EBICS-Server: 7 x 24 (except maintenance).
Helpdesk for locking/unlocking of users
+43 (0)5 0100 – 50310, the helpdesk is available from 8 am - 5 pm
Support Hotline for problems with the bank communication
ebicssupport@s-servicecenter.at, +43 (0)5 0100 – 50310, the helpdesk is available from 8 am - 5 pm
Order types and business transaction formats (BTF)
EBICS Parameter
Download the PDF with the encryption and authentication keys. ATTENTION: Please select the desired institute.