Informationen on payment transactions
We can help you manage your payments securely and efficiently. Take advantage of SEPA credit transfers and SEPA direct debits, particularly fast payment options, and reliable solutions for international payments. EBICS ensures that your payment data is transmitted automatically and securely.
ISO 20022 and XML – The standard for modern payments
ISO 20022 for XML (Extensible Markup Language) is the international standard for electronic data transmission. It provides the foundation for all SEPA payments and ensures that payment information can be processed consistently worldwide.
This means you benefit from structured, standardized and future-proof data formats that support the efficient processing of your payment transactions.
ISO 20022 is also becoming increasingly prevalent in international payments and will form the basis for other formats, such as those in the SWIFT environment, starting in November 2026.
Find out here what impact the transition to ISO 20022 will have on your business and how you can best prepare for it.
Frequently asked questions
Hamburg Commercial Bank supports all valid DK formats. The currently valid DK formats can be found at https://www.ebics.de/de/datenformate/format-lifecycle.
The following formats are currently supported (subject to change):
| Transfers (pain.001.001.09) |
EBICS order type | Payment Status Report (pain.002.001.10) |
| SEPA credit transfer | CCT / CTV | CRZ |
| SEPA Real-time Credit Transfer | CIP / CIV | CIZ |
| SEPA Express Payment | CCU | CRZ |
| International transfer | AXZ | n/a |
The following formats are currently supported (subject to change):
| direct debit (pain.008.001.08) |
EBICS order type | Payment Status Report (pain.002.001.10) |
| SEPA Core Direct Debit | CDD | CDZ |
| SEPA Business Direct Debit | CDB | CDZ |
The following formats are currently supported (subject to change):
| Account Information | EBICS order type | Message format |
| Intraday turnover (provisional entries) | C52 | camt.052.001.08 |
| Daily statement | C53 | camt.053.001.08 |
| Unpacking of batch file | C54 | camt.054.001.08 |
| Intraday turnover (provisional entries) | VMK | MT942 (until 11/2027) |
| Daily statement | STA | MT940 (until 11/2027) |
Yes. If you currently receive your electronic account statements in MT940 or MT942 format (EBICS message types STA/VMK), since April 2026 we have been providing them to you in the modern camt.053 and camt.052 formats as well.
This gives you the option to use the new ISO 20022 formats in parallel and to transition your systems gradually.
We recommend using the camt.053 and camt.052 formats in the future, as these represent the current standard in payment transactions. Please therefore plan for a complete transition to these formats. MT940 and MT942 formats should only be used on a transitional basis.
SFirm
- Select an HCOB account and right-click on it.
- Select Change bank account details” in the context menu.
- Switch to the “EDI Configuration” tab in the account options.
- In the last section “Create SEPA according version (DFÜ agreement, Annex 3)”, select version 3.7 from the drop-down menu and save.
Indications:
- The setting applies to all accounts of this institution and is applied to payments created manually in SFirm and to imported third-party files.
- The SEPA scheme of third-party files that are created in third-party applications and only sent via SFirm is not affected and remains unchanged.
To retrieve account transactions in camt format, please activate the “camt(C53/52)” checkbox in the download dialog. This setting applies to all accounts of the assigned bank access until it is deactivated.
If you use the “collective call” function to retrieve account transactions, it is necessary to either create a new collective call definition with the corresponding order type (camt.053 / camt.052) or follow the migration assistant provided by StarFinanz.
Test activities
You can find sample files at https://www.ebics.de/de/datenformate/ergaenzende-dokumente.
If you currently receive your electronic account statements in MT940 or MT942 formats (EBICS message types STA/VMK), since April 2026 we have also providing them to you in the modern camt.053 and camt.052 formats, which you can use for testing purposes.
No, no test system with EBICS connection is offered.
No, but you can send us test files, which we will then validate for you directly.
Our guide provides a clear overview of all key information, background details, and requirements related to the ISO 20022 migration.