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EBICS Documentation — Complete Reference

Last updated: 2026-03-05

1. Official Specifications (ebics.org)

Document Link Version Language
Specification main page https://www.ebics.org/en/technical-information/ebics-specification V3.0.2 (current) EN/DE/FR
XSD Schemas https://www.ebics.org/en/technical-information/ebics-schema H003/H004/H005 —
Implementation Guide https://www.ebics.org/en/technical-information/implementation-guide All EN/DE
BTF Mapping (BTD/BTU) https://www.ebics.org/en/technical-information/btf-mapping H005 EN/DE
Examples https://www.ebics.org/en/technical-information/examples All EN
Additional Standards https://www.ebics.org/en/technical-information/additional-standards All EN/DE
Change Requests (archive) https://www.ebics.org/en/technical-information/archive-ebics/change-requests Historical EN/DE
Passed CRs https://www.ebics.org/en/technical-information/maintain-advance/passed-crs Maintenance EN/DE
Technical News https://www.ebics.org/en/current-topics/technical-news — EN/DE
Archived Specifications https://www.ebics.org/en/technical-information/archive-ebics/specification V2.4/2.5 EN/DE

2. Specification PDFs — Direct Download

Main Specification

Document Link Version
EBICS V3.0 Spec (SIX) https://www.six-group.com/dam/download/banking-services/interbank-clearing/en/standardization/ebics/ebics_3_0.pdf H005 / V3.0
EBICS V3.0 Spec (Gitea mirror) https://gitea.szsolutions.ch/Mirror/odoo_account_ebics/raw/branch/15.0/account_ebics/doc/2017-03-29-EBICS_V_3.0-FinalVersion.pdf H005 / V3.0
EBICS V2.5 Spec (CFONB) https://www.cfonb.org/fichiers/20130612170023_6_4_EBICS_Specification_2.5_final_2011_05_16_2012_07_01.pdf H004 / V2.5
EBICS V2.4.2 Spec (CFONB) https://www.cfonb.org/fichiers/20130612170103_6_7_EBICS_Specification_2.4.2_final_2010_02_16.pdf H003 / V2.4

Annexes & Supplements

Document Link Content
Annex 1 — Return Codes https://www.cfonb.org/fichiers/20130612170037_6_5_EBICS_Annex1_ReturnCodes_final_16_05_2011_2012_07_01.pdf All EBICS return codes
Annex 2 — Order Type Identifiers https://www.cfonb.org/fichiers/20140423153546_Annex_2_%E2%80%93_EBICS_Specification_april_2014.pdf Order type identifiers
EBICS SC 2021 https://www.cfonb.org/fichiers/20210420081014_EBICS_SC_2021.pdf EBICS SC overview

France Implementation Guides (CFONB)

Document Link Content
IG CFONB V2.1.5 (FR) https://www.cfonb.org/fichiers/20141029101016_6_10_EBICS_IG_CFONB_VF_2_1_5_2014_06_23.pdf France implementation guide
IG CFONB V2.1.4 (EN) https://www.cfonb.org/fichiers/20130612170302_6_16_EBICS_IG_CFONB_V2_1.4_english_version_2012_02_24.pdf France implementation guide (English)
IG Annex 2 — File names https://www.cfonb.org/fichiers/20130612170321_6_17_EBICS_IG_V1.2._Annexe_2_File_names_VE_final_2010_01.pdf File naming conventions
IG Annex A3.1 — Certificate error codes https://www.cfonb.org/fichiers/20130612170148_6_11_EBICS_IG_V1_1_Annexe_A3_1_Certificates_error_codes_2009_04.pdf X.509 certificate error codes
EBICS test scenarios https://www.cfonb.org/fichiers/20130612170423_6_21_Proposition_tests_EBICS_V1_0_2009_05_15.pdf Test scenarios

BTF / BTD / BTU (EBICS 3.0)

Document Link Content
File Format → BTF mapping (CFONB) https://www.cfonb.org/sites/www.cfonb.org/files/documents/Tables%20de%20correspondance%20File%20Format%20vers%20BTF-Business%20Transaction%20Format%20(EBICS%20v3.0%20et%20suivantes)%20.pdf Order type → BTF mapping
BTF Parameters (konfipay wiki) https://wiki.konfipay.de/konfipay/btf-parameters-ebics-3-0 BTF parameter reference
CPG — EBICS BTU, BTD and BTF https://www.cpg.de/en/ebics-btu-btd-and-btf/ BTD/BTU/BTF explained
CPG — EBICS 3.0 innovations https://www.cpg.de/en/ebics-3-0/ EBICS 3.0 overview

3. Switzerland — SIX Group

Document Link Content
Swiss Market Practice Guidelines EBICS 3.0 v1.3 https://www.six-group.com/dam/download/banking-services/standardization/ebics/market-practice-guidelines-ebics3.0-v1.3-en.pdf Swiss guidelines H005
Swiss Market Practice Guidelines EBICS 3.0 v1.2 https://www.six-group.com/dam/download/banking-services/standardization/ebics/market-practice-guidelines-ebics3.0-v1.2-en.pdf Swiss guidelines H005 (older)
EBICS in Switzerland (overview) https://www.six-group.com/dam/download/banking-services/interbank-clearing/en/standardization/ebics/ebics.pdf EBICS Switzerland overview
SIX EBICS page https://www.six-group.com/en/products-services/banking-services/payment-standardization/standards/ebics.html SIX EBICS portal

4. Germany — Deutsche Kreditwirtschaft / Bundesbank

Document Link Content
DFÜ-Abkommen — Anlage 3 Datenformate V3.8 http://www.bayernlb.de/internet/media/de/ir/downloads_1/zahlungsverkehr/richtlinien/2024-11-17_Anlage_3_Datenformate_V3.8.pdf Data format specification
ebics.de — Datenformate https://www.ebics.de/de/datenformate Data formats portal
DFÜ-Verfahren EBICS — DK https://die-dk.de/zahlungsverkehr/electronic-banking/dfu-verfahren-ebics/ DK EBICS page
Verfahrensregeln EBICS 2025 (Bundesbank) https://www.bundesbank.de/resource/blob/964236/6f3129a9aab710eae9b2939e0021a7bc/472B63F073F071307366337C94F8C870/verfahrensregeln-ebics-2025-data.pdf Procedural rules 2025
Verfahrensregeln EBICS V3.9 (Bundesbank) https://www.bundesbank.de/resource/blob/764544/2bfc83ca09df0c7a4a53c96caec1ac55/mL/verfahrensregeln-ebics-3-9-data.pdf Procedural rules V3.9
Besondere Bedingungen EBICS 2024 (Bundesbank) https://www.bundesbank.de/resource/blob/925930/8b5c5b9da853666a3b1638b0005aa3e4/mL/besondere-bedingungen-ebics-2024-data.pdf Special conditions
Deutsche Bank — Order Types (EN) https://www.deutsche-bank.de/dam/deutschebank/de/shared/pdf/ebics-dfu-explanation-of-order-type-identifiers-e.pdf Order type reference (EN)
Deutsche Bank — Auftragsarten (DE) https://www.deutsche-bank.de/dam/deutschebank/de/shared/pdf/ub/ebics-dfue-erlaeuterungen-der-auftragsarten-d.pdf Order type reference (DE)

5. DFÜ-Abkommen — English Translation

Document Link Content
DFÜ Agreement Appendix 3 (EN, Isabel) https://www.isabel.eu/content/dam/knowledge_base_ibs6/documents/en-US/Anlage_3_Datenformate_V29_engl.pdf Data formats (English translation)

6. Reference Implementations (source code)

Project Link Language Versions
ebics-client-php https://github.com/ebics-api/ebics-client-php PHP H003/H004/H005
ebics-java-client https://github.com/ebics-java/ebics-java-client Java H004
EBICS.php (Synap) https://github.com/Synap/EBICS.php PHP H003/H004
node-ebics-client https://github.com/nicemann/node-ebics-client Node.js H004
epics (railslove) https://github.com/railslove/epics Ruby H004
epics (our fork) https://github.com/jplot/epics Ruby H003/H004/H005

7. Third-party References

Resource Link Content
Wikipedia — EBICS https://en.wikipedia.org/wiki/Electronic_Banking_Internet_Communication_Standard Overview
Wikipedia — DFÜ-Abkommen https://de.wikipedia.org/wiki/Abkommen_%C3%BCber_die_Datenfern%C3%BCbertragung_zwischen_Kunden_und_Kreditinstituten DFÜ-Abkommen (DE)
Axway — EBICS standard https://docs.axway.com/bundle/EBICSClient_11_allOS_en_HTML5/page/the_ebics_standard.html Axway reference
Axway — EBICS error codes https://docs.axway.com/bundle/TransferCFT_332_LocalAdministrationGuide_allOS_en_HTML5/page/Content/Prots/French/EBICS/r_ebics_error_mess_codes.htm Error codes (full list)
IBM — EBICS return codes https://www.ibm.com/docs/SS3JSW_5.2.0/com.ibm.help.ebics_client_user_525.doc/EBICS_Client_returncodes_events.html IBM return codes
BL Banking — EBICS errors https://www.blbanking.de/webhelp/topic/de.businesslogics.banking.web/help/html/appendix/faq-ebicserrors.html BL Banking error messages
konfipay — BTF parameters https://wiki.konfipay.de/konfipay/btf-parameters-ebics-3-0 BTF parameters
Sage XRT — EBICS 3.0 Guide (FR) https://sxbe-onlinehelp.sage.com/PDF/SXBE/SXBE.12.1.EBICS.3.0.UserGuide_FR.pdf Sage user guide
UBS — EBICS 3.0 https://www.ubs.com/ch/en/corporates/payment-solutions/cash-management/connection-ubs/ebics.html UBS EBICS 3.0 page
BCV — EBICS parameters factsheet https://www.bcv.ch/content/dam/bcv/brochure---flyer/44-516e_Fiche-technique-BCV-connect_web.pdf BCV technical factsheet

8. Local XSD Schemas in This Project

XSD schemas are stored in spec/xsd/:

spec/xsd/
├── H003/
│   └── (H003 schemas)
├── H004/
│   ├── ebics_H004.xsd              (H004 root schema)
│   ├── ebics_hev.xsd               (HEV protocol)
│   ├── ebics_keymgmt_request_H004.xsd
│   ├── ebics_keymgmt_response_H004.xsd
│   ├── ebics_orders_H004.xsd       (89K — order types)
│   ├── ebics_request_H004.xsd
│   ├── ebics_response_H004.xsd
│   ├── ebics_signature.xsd         (S001)
│   ├── ebics_types_H004.xsd        (86K — types)
│   └── xmldsig-core-schema.xsd
└── H005/
    ├── ebics_H005.xsd              (H005 root schema)
    ├── ebics_hev.xsd
    ├── ebics_keymgmt_request_H005.xsd
    ├── ebics_keymgmt_response_H005.xsd
    ├── ebics_orders_H005.xsd
    ├── ebics_request_H005.xsd
    ├── ebics_response_H005.xsd
    ├── ebics_signature_S002.xsd    (S002 — A005)
    ├── ebics_types_H005.xsd
    └── xmldsig-core-schema.xsd

Notes

  • Specifications on ebics.org require accepting terms of use before downloading
  • Current version: V3.0.2 (valid since December 30, 2022)
  • Last BTF list update: October 23, 2024
  • DFÜ-Abkommen Anlage 3 is the reference document for data formats in Germany
  • X/Y/Z prefixed order types = bank-individual (not core EBICS)
  • FUL/FDL = core EBICS H003/H004, removed in H005 (replaced by BTU/BTD)