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Connect your bank over EBICS

With EBICS, Mast fetches your statements from your bank every morning and imports them. You have no more files to download.

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What Mast does

  • Every morning

    Every morning, Mast fetches the previous day’s camt.053 statement, which your bank draws up at the end of each day.

  • No duplicates

    Each statement goes to the account with its IBAN, with no duplicates of what you already imported.

  • Read only

    Mast only downloads your statements: no payment goes through EBICS.

  • Your keys, encrypted

    Mast creates your EBICS keys. Their private part never leaves Mast, where it is stored encrypted.

One statement a day, the next morning

EBICS delivers the end-of-day statement, not each movement as it happens: a payment received today reaches Mast tomorrow morning.

  1. During the day

    Your payments go out and your receipts come in on your account.

  2. At the end of the day

    Your bank draws up the day’s camt.053 statement.

  3. The next morning

    Mast fetches it over EBICS and imports it into the right account, ready to reconcile.

The steps, by bank

EBICS is opened company by company: ask our team for it, then follow your bank’s steps.

Your bank

UBS

UBS offers EBICS as UBS KeyPort, which its cash management team sets up on request.

Where to ask
By e-mail to UBS’s cash management team, with its questionnaire
The INI and HIA letters
Printed, signed and sent to UBS
In Mast
UBS’s address, host ID and key hash values are already known
  1. You Write to UBS’s cash management team with the subject “Setting up a UBS KeyPort EBICS channel”, and answer its questionnaire. Our team gives you the address when it opens EBICS for your company.
  2. You Attach an extract from the commercial register and a copy of the identity documents of the authorised signatories. UBS requires them.
  3. UBS UBS sets up the channel and gives you your EBICS details: a partner ID and a user ID.
  4. You In Mast, add a bank account, choose EBICS then UBS KeyPort, and enter your details.
  5. Mast Mast creates your keys, sends them to UBS and prepares your INI and HIA letters.
  6. You Print both letters, sign them and send them to UBS.
  7. UBS UBS activates your access.
  8. You In Mast, fetch UBS’s keys and confirm them: Mast checks their hash values against the ones UBS publishes.
  9. Mast Mast fetches your statements every morning.

Your answers, with Mast

  • Software compatible with EBICS: yes, Mast (EBICS 3.0)
  • Payment files (pain.001) over EBICS: no
  • Statement formats: camt.053

Formerly with Credit Suisse? Your Direct Link connection moves to UBS KeyPort, with a fresh key initialisation: follow the same steps with the details UBS gives you.

The UBS KeyPort page

PostFinance

PostFinance offers EBICS to its business customers, under an EBICS agreement.

Where to ask
Your PostFinance client adviser, for an EBICS agreement
The INI and HIA letters
Signed, sent by post
In Mast
PostFinance’s address, host ID and key hash values are already known
  1. You Ask your PostFinance client adviser for an EBICS agreement for your business account, and order your camt.053 statements with transaction details.
  2. PostFinance PostFinance gives you your EBICS details: a partner ID and a user ID.
  3. You In Mast, add a bank account, choose EBICS then PostFinance, and enter your details: the address and the host ID (PFEBICS) are already filled in.
  4. Mast Mast creates your keys, sends them to PostFinance and prepares your INI and HIA letters.
  5. You Sign both letters and send them to PostFinance by post.
  6. PostFinance PostFinance checks your keys, then activates your access.
  7. You In Mast, fetch PostFinance’s keys and confirm them: Mast checks their hash values against the ones on its EBICS parameter sheet.
  8. Mast Mast fetches your statements every morning.
PostFinance’s EBICS parameter sheet

Raiffeisen

Raiffeisen offers EBICS to its business customers, under a contract with your Raiffeisen bank. It recommends EBICS 3.0, the version Mast uses.

Where to ask
Your business client adviser, for an EBICS contract
The INI and HIA letters
Printed, signed and sent to the bank
In Mast
You type in the address and host ID from its parameter sheet
  1. You Ask your Raiffeisen business client adviser for an EBICS contract for your company, in version 3.0.
  2. Raiffeisen Your Raiffeisen bank gives you its parameter sheet (EBICS address and host ID) and sends you your details by post: a partner ID and a user ID.
  3. You In Mast, add a bank account, choose EBICS then “Another bank”, and enter these details.
  4. Mast Mast creates your keys, sends them to the bank and prepares your INI and HIA letters.
  5. You Print both letters, sign them and send them to the bank.
  6. Raiffeisen The bank activates your access.
  7. You In Mast, fetch the bank’s keys, compare their hash values with the ones on its parameter sheet, then confirm them.
  8. Mast Mast fetches your statements every morning.
The bank’s EBICS page

ZKB

Zürcher Kantonalbank offers EBICS as Datalink EBICS, under a Datalink agreement.

Where to ask
Online on the Datalink EBICS page, or with your adviser
The INI and HIA letters
Printed, signed and sent to the bank
In Mast
The bank’s address, host ID and key hash values are already known
  1. You Order Datalink EBICS on ZKB’s website, or ask your adviser: ZKB signs a Datalink agreement with you.
  2. ZKB ZKB gives you your EBICS details: a partner ID and a user ID.
  3. You In Mast, add a bank account, choose EBICS then your bank, and enter your details: the address and the host ID are already filled in.
  4. Mast Mast creates your keys, sends them to the bank and prepares your INI and HIA letters.
  5. You Print both letters, sign them and send them to the bank.
  6. ZKB The bank activates your access.
  7. You In Mast, fetch the bank’s keys and confirm them: Mast checks their hash values against the ones the bank publishes.
  8. Mast Mast fetches your statements every morning.
The bank’s EBICS page

BCV

Banque Cantonale Vaudoise offers EBICS as BCV-connect EBICS.

Where to ask
Through the BCV-connect EBICS information request, then a signed membership declaration
The INI and HIA letters
Printed, signed and sent to the bank
In Mast
The bank’s address, host ID and key hash values are already known
  1. You Fill in the BCV-connect EBICS information request on bcv.ch, then sign the membership declaration. Also ask the BCV hotline to deliver your camt.053 statements.
  2. BCV BCV gives you your EBICS details: a partner ID and a user ID.
  3. You In Mast, add a bank account, choose EBICS then your bank, and enter your details: the address and the host ID are already filled in.
  4. Mast Mast creates your keys, sends them to the bank and prepares your INI and HIA letters.
  5. You Print both letters, sign them and send them to the bank.
  6. BCV The bank activates your access.
  7. You In Mast, fetch the bank’s keys and confirm them: Mast checks their hash values against the ones the bank publishes.
  8. Mast Mast fetches your statements every morning.
The bank’s EBICS page

BCGE

Banque Cantonale de Genève offers EBICS as Business link.

Where to ask
Your BCGE adviser, for a Business link contract
The INI and HIA letters
Printed, signed and sent to the bank
In Mast
You type in the address and the host ID
  1. You Ask your BCGE adviser for a Business link user contract, BCGE’s EBICS offer.
  2. BCGE BCGE gives you your EBICS details (a partner ID and a user ID), with its EBICS address and host ID.
  3. You In Mast, add a bank account, choose EBICS then “Another bank”, and enter these details.
  4. Mast Mast creates your keys, sends them to the bank and prepares your INI and HIA letters.
  5. You Print both letters, sign them and send them to the bank.
  6. BCGE The bank activates your access.
  7. You In Mast, fetch the bank’s keys, compare their hash values with the ones it gave you, then confirm them.
  8. Mast Mast fetches your statements every morning.
The bank’s EBICS page

BEKB

Berner Kantonalbank offers EBICS to its business customers, in version 3.0.

Where to ask
By booking a meeting online, or by e-mail to zvberatung@bekb.ch
The INI and HIA letters
Printed, signed and sent to the bank
In Mast
The bank’s address, host ID and key hash values are already known
  1. You Ask BEKB for EBICS: book a meeting online or write to zvberatung@bekb.ch. The bank then sends you the documents to sign.
  2. BEKB BEKB gives you your EBICS details: a partner ID and a user ID.
  3. You In Mast, add a bank account, choose EBICS then your bank, and enter your details: the address and the host ID are already filled in.
  4. Mast Mast creates your keys, sends them to the bank and prepares your INI and HIA letters.
  5. You Print both letters, sign them and send them to the bank.
  6. BEKB The bank activates your access.
  7. You In Mast, fetch the bank’s keys and confirm them: Mast checks their hash values against the ones the bank publishes.
  8. Mast Mast fetches your statements every morning.
The bank’s EBICS page

LUKB

Luzerner Kantonalbank offers EBICS as Direct EBICS.

Where to ask
Your business client adviser, or by e-mail to cash@lukb.ch
The INI and HIA letters
Printed, signed and sent to the bank
In Mast
The bank’s address, host ID and key hash values are already known
  1. You Ask your LUKB business client adviser for Direct EBICS, or write to cash@lukb.ch.
  2. LUKB LUKB gives you your EBICS details: a partner ID and a user ID.
  3. You In Mast, add a bank account, choose EBICS then your bank, and enter your details: the address and the host ID are already filled in.
  4. Mast Mast creates your keys, sends them to the bank and prepares your INI and HIA letters.
  5. You Print both letters, sign them and send them to the bank.
  6. LUKB The bank activates your access.
  7. You In Mast, fetch the bank’s keys and confirm them: Mast checks their hash values against the ones the bank publishes.
  8. Mast Mast fetches your statements every morning.
The bank’s EBICS page

BCN

Banque Cantonale Neuchâteloise offers EBICS as BCN-Direct.

Where to ask
Through the online form “Demande d’adhésion à BCN-Direct”
The INI and HIA letters
Printed, signed and sent to the bank
In Mast
The bank’s address, host ID and key hash values are already known
  1. You Fill in the BCN-Direct membership request on bcn.ch: BCN offers you a BCN-Direct user contract.
  2. BCN BCN gives you your EBICS details: a partner ID and a user ID.
  3. You In Mast, add a bank account, choose EBICS then your bank, and enter your details: the address and the host ID are already filled in.
  4. Mast Mast creates your keys, sends them to the bank and prepares your INI and HIA letters.
  5. You Print both letters, sign them and send them to the bank.
  6. BCN The bank activates your access.
  7. You In Mast, fetch the bank’s keys and confirm them: Mast checks their hash values against the ones the bank publishes.
  8. Mast Mast fetches your statements every morning.
The bank’s EBICS page

Another bank

Many Swiss banks offer EBICS to their business customers. This is how it usually goes.

Where to ask
Your adviser at the bank
The INI and HIA letters
Usually by post
In Mast
You type in the address and the host ID
  1. You Ask your bank for an EBICS contract for your company.
  2. Your bank Your bank gives you your EBICS details: a partner ID and a user ID, with its EBICS address (URL) and host ID.
  3. You In Mast, add a bank account, choose EBICS then “Another bank”, and enter these details.
  4. Mast Mast creates your keys, sends them to the bank and prepares your INI and HIA letters.
  5. You Print both letters, sign them and send them to your bank, usually by post.
  6. Your bank Your bank activates your access. How long it takes depends on the bank.
  7. You In Mast, fetch the bank’s keys, compare their hash values with the ones it gave you, then confirm them.
  8. Mast Mast fetches your statements every morning.

What to ask your bank

  • An EBICS contract for your company, with the download of camt.053 statements.
  • Your details: the partner ID (or customer ID) and the user ID.
  • For a bank Mast does not list: the EBICS address (URL) and the host ID.
  • An access for downloading statements: Mast sends no payment.
  • The price of the channel, if your bank charges for it.

For St.Galler Kantonalbank, Banque Cantonale du Valais and Valiant, choose your bank in Mast: their address and host ID are filled in, and Mast checks their keys itself. Other Swiss banks offer EBICS to their business customers too, among them Basler Kantonalbank, Bank Cler, Aargauische Kantonalbank and Banque Cantonale de Fribourg.

Frequently asked questions

What is EBICS?

The channel Swiss banks offer companies to exchange files with their accounting software. Mast uses it to fetch your camt.053 statements.

How long does it take?

In Mast, the connection takes a few minutes to prepare. The rest depends on your bank: the contract, then the activation once your letters arrive.

Can Mast make payments over EBICS?

No. Mast only downloads your statements. Your payments leave from your e-banking, with the pain.001 files Mast prepares.

Where are my keys kept?

Mast creates your EBICS keys. Their private part never leaves Mast, where it is stored encrypted.

What if my bank changes its keys?

Mast stops fetching your statements at once and asks you to check the bank’s new keys, then to confirm them.

What if I have several accounts?

Each statement goes to the Mast account with its IBAN. If an IBAN has no account in Mast yet, the statement is kept: add the account, then import it again.

Can my fiduciary handle it?

Yes, if they may manage bank accounts in Mast. At UBS, say so in the questionnaire: the connection is then used by a third party.

What if my bank does not offer EBICS?

Import your camt.053 statement, the standard format of Swiss banks, from your e-banking: Mast reconciles it the same way. bLink, the open banking service from SIX, is coming soon. If your statements already land on a server, at your fiduciary for example, Mast can also fetch them there over SFTP.

All integrations

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