House bank and high-performer in cash management
With us, you can have both, with the flexibility to adapt to your own growth plans or pivots. Our Cash Management division supports both active and passive corporate client business. You benefit from the professional processing of international payment transactions outside SEPA, including cash management, closely linked with capital market expertise through our own eCommerce and trade finance solutions.
Your growth partner on equal terms
Whether national or international, mass payments or scaling fintech – we understand your specific requirements and coordinate all the necessary products and services for you. Together, we develop the optimal solutions and accompany you on the path to digitalization and the platform economy.
Here are some customer examples from various business areas:
GetMomo Financial GmbH (Getmomo) offers a digital banking platform that is specifically tailored to the needs of the real estate industry. In cooperation with Hamburg Commercial Bank, the company supports numerous property management companies in Germany.
Management of residential portfolios and banking accounts Cash ManagementHigh flexibility and tailor-made solutions for complex payment transactions
Fiber optic expansion Cash ManagementHigh-performance payment transactions require simple solutions for mass incoming and outgoing payments.
Virtual accounts 20.000Scaling up as a legal tech start-up with HCOB.
Passenger compensation EUR 430 millionAs an underwriting agent, optimizing the insurance industry and setting new standards means for us being fast in SEPA payment transactions and in setting up electronic signatories.
Premium receipts and payments 20,000 per monthQuick start for new property management companies
Account openings 160 companiesTechnology and industry expertise
The specialized Cash & Trade team works with smart and streamlined solutions to manage payment flows more effectively and efficiently. This significantly reduces the burden on corporate customers in their own processes, saves money and time and frees up resources for their core task: market development and actively shaping the customer experience. Another building block of HCOB, because clarity is capital.
Standards for payment transactions
The ISO 20022 changeover for SEPA payment orders, account information and foreign payment transactions required in companies is starting now.
DK V3.8 is a guideline of the German Banking Industry that regulates the standards for electronic payment transactions, such as direct debits, credit transfers and account statement data.
Banks in the Single Euro Payment Area will be required to carry out an IBAN name check (Verification of Payee) before every authorisation of a SEPA transfer and SEPA instant transfer.
Our smart, tailor-made and secure solutions help you to manage your payment flows and cash management efficiently.
Jutta Arlt, Head of Cash & Trade Services
Jutta Arlt
Head of Cash and Trade ServicesStefanie Buhtz
Team Head of Cash Management SalesOur services for your company
We focus equally on our clients’ assets and liabilities, as both sides reflect a living business relationship. Our high level of international expertise reflects international standards as well as national peculiarities.
We manage interest rate and currency risks for you using tailor-made products. We will work with you to find the optimum solution. This allows you to hedge risks, improve your company’s liquidity and strengthen your balance sheet.
At the heart of your business payment transaction flows is an HCOB account with customized, international and muli-currency card solutions that together facilitate complex payment flows.
High-performance payment transactions are all about being able to execute transactions for tens of thousands of your customers simultaneously in various currencies, with fast processes in eBanking and modern subscription procedures via app.
Do you have general questions about our range of services or would you like to inquire about financing directly?
Then feel free to contact us:
21th Structured Finance
26-27 November 2025
Germany . ICS, Messe Stuttgart
Arrange a consultation appointment
To enable us to prepare for the appointment in the best possible way, we would ask you to briefly explain your concerns to us.