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.
Internationally or within SEPA, mass payment transactions or scaling fintech firm?
HCOB counts various organisational teams and departments among its long-standing customers and can serve as a reliable partner in times of digitalisation and the online economy. Here are some HCOB customers active in various business areas:
High-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.
The future of payment transactions is digital, convenient, precise and secure.
Jutta Arlt, Leitung Cash & Trade Services
Jutta Arlt
Head of Cash and Trade ServicesStefanie Buhtz
Team Head of Cash Management SalesThree reasons why our payment transactions excel
Direct and personal access
We know each other personally and our business partners have direct contacts in Cash Management Sales and Payment Operations, so they can discuss individual transactions if necessary.
1A Online Applications
We offer browser-based and multibank-capable applications that are also cloud-capable and we use AI-supported KYC processes – clear signs that our transformation has been successful.
Stability and IT performance
In addition to being agile, it is essential – especially for high-performance payment transactions – to ensure stability, a high level of resilience, and the highest European security standards.
The services we can provide you
We are equally concerned with our customers’ assets and liabilities, as both sides are important for an active business relationship. Our high level of cross-border expertise reflects international standards as well as specific national characteristics.
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.
Important changes in payment transactions
DK V.8 is a guideline of the German Banking Industry Committee that regulates the standards for electronic payment transactions, such as direct debits, credit transfers and account statement data.
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:
20th Structured Finance
November 27-28, 2024 I ICS, Messe Stuttgart
Arrange a consultation appointment
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