Switzerland · Aargauische Kantonalbank · EBICS
Connect AKB without learning EBICS.
EBICS 2.5 and 3.0, free of charge, with payment approval through the distributed signature. EBICS 2.5 ends on 13 November 2026. We handle the payments, the statements and every protocol step underneath.
AKB at a glance
- BIC
- KBAGCH22
- Clearing number
- 761
- EBICS versions
- 2.5 and 3.0
- Host ID
- Not published
- Keys
- 2048 bit · A005 / A006 · X002 · E002
- EBICS and VEU
- Free of charge
Published by the bank
The bank's website, its corporate governance page and the cantonal bank law it publishes; the commercial register, GLEIF and FINMA.
Bank details
| BIC | KBAGCH22 |
| Clearing number | 761 |
| Legal name | Aargauische Kantonalbank |
| Legal form | Independent institution under cantonal public law, with its own legal personality |
| Registered office | Bahnhofplatz 1, 5001 Aarau |
| UID | CHE-105.845.287, commercial register of the Canton of Aargau |
| LEI | HTQNUFL6OI5TZ7V7SI73 |
| Owner | Canton of Aargau — 100% |
| State guarantee | The canton is liable for all the bank's liabilities its own funds cannot cover — except subordinated loans and liabilities of subsidiaries |
| Supervision | FINMA — authorised bank, supervisory category 3 |
Published by the bank
The bank's EBICS page, its EBICS 3.0 migration document and its payments roadmap.
Access data
| EBICS address | Not published |
| Host ID | Not published |
| Authorisation data | Sent in writing by AKB once the contract is concluded |
| Customer ID | Your EBICS contract number |
| User ID | Your EBICS user |
| Protocol versions | EBICS 2.5 and EBICS 3.0 — 3.0 recommended |
| End of EBICS 2.5 | Support ends 13 Nov 2026 |
| New contracts on EBICS 2.4 | Not accepted |
| Accounts | Each newly added account is reported to AKB — none is added automatically |
| Support | e-Banking / Mobile Banking Helpline · +41 62 835 77 99 · e-banking@akb.ch · Mon–Fri 07:30–17:30 |
Published by the bank
The bank's EBICS page and factsheet, its EBICS 3.0 migration document and its VEU-app guide.
Keys, signatures and the agreement
| Agreement | EBICS participation declaration (EBICS-Teilnahmeerklärung) |
| Price | EBICS and VEU are free of charge |
| Key length | 2048 bit |
| Signature key | A005 or A006 |
| Authentication key | X002 |
| Encryption key | E002 |
| Bank key hashes | Not published |
| Bank certificate | Fetched with HPB |
| Initialisation letter | Printed, signed and sent to AKB — AKB activates the access and confirms it |
| Moving to EBICS 3.0 | Active subscriber keys are kept — no new initialisation |
| Distributed signature | VEU — orders submitted with signature authorisation T, then released by one signature or two, per signature model |
| VEU app | Subsembly EBICS VEU-App, free of charge |
Published by the bank
The bank's EBICS 3.0 migration document.
Order types published by AKB
| 2.5 | What it does | 3.0 | Service | Scope | Container | Message | Version |
|---|---|---|---|---|---|---|---|
| XE2 | Payment order, pain.001.001.03 | BTU | MCT | CH | — | pain.001 | 03 |
| — | Payment order, pain.001.001.09 | BTU | MCT | CH | — | pain.001 | 09 |
| Z01 | Status report, pain.002.001.03 | BTD | PSR | CH | ZIP | pain.002 | 03 |
| — | Status report, pain.002.001.10 | BTD | PSR | CH | ZIP | pain.002 | 10 |
| Z52 | Intraday account movements, camt.052.001.04 | BTD | STM | CH | ZIP | camt.052 | 04 |
| — | Intraday account movements, camt.052.001.08 | BTD | STM | CH | ZIP | camt.052 | 08 |
| Z53 | End-of-day statement, camt.053.001.04 | BTD | EOP | CH | ZIP | camt.053 | 04 |
| — | End-of-day statement, camt.053.001.08 | BTD | EOP | CH | ZIP | camt.053 | 08 |
| Z54 | Batch booking details, camt.054.001.04 | BTD | REP | CH | ZIP | camt.054 | 04 |
| — | Batch booking details, camt.054.001.08 | BTD | REP | CH | ZIP | camt.054 | 08 |
| STA | End-of-day statement, SWIFT MT940 | BTD | EOP | CH | — | mt940 | — |
| ZDF | Electronic bank documents, PDF | BTD | DAR | CH | ZIP | Documents | — |
Rows without a 2.5 code carry the ISO 20022 version 2019 messages, which AKB accepts and delivers over EBICS 3.0 only. They are not switched on automatically: AKB activates pain.001.001.09 and the camt .08 versions on request through its e-Banking / Mobile Banking Helpline.
Published by the bank
The bank's instant-payment page.
Cut-off times and execution
| EBICS payment orders | Not published |
| Instant payment | Around the clock, 365 days a year, within Switzerland |
| Instant execution | At most 10 seconds |
| Instant currency | CHF only — debit and recipient account both in CHF |
| Instant recipient | A CH or LI IBAN |
| Instant amount ceiling | CHF 20,000 per payment |
| Instant sending requires | e-Banking payment authorisation on the account — entered in e-Banking and Mobile Banking |
| Instant price | CHF 2 per outgoing payment · incoming free |
Published by the bank
The bank's EBICS page and factsheet, its EBICS 3.0 migration document and its payments roadmap.
Formats
| You send | pain.001 payment orders |
| You receive | pain.002 · camt.052 · camt.053 · camt.054 · MT940 · electronic bank documents (PDF) |
| camt.054 credit notifications | QRR and SCOR references |
| LSV+ / BDD credits | v11 and camt.054 |
| pain.001.001.09 · camt .08 | EBICS 3.0 only, activated on request |
| ISO 20022 version 2009 | Ends November 2026 |
| Unstructured addresses | Valid until 14 Nov 2026 |
| Hybrid addresses | Valid since 22 Nov 2025 |
| QR-bill | Newly created QR-bills carry structured addresses only, since 21 Nov 2025 |
| MT940 end date | Not published |
BankConnector
What is built and shipped for this bank today.
What our engine produces
| Payment format | pain.001.001.09 (Swiss Payment Standards, ch.03 schema) |
| Guideline | Swiss Payment Standards 09/ch.03, published by SIX |
| Charge bearer | SLEV |
| Batch booking | False |
| Debtor BIC | Required |
| Remittance limit | 140 characters |
| Name limit | 70 characters |
| Character set | Latin — transliterated before the bank sees it |
| Payment types built | SEPA credit transfer · Swiss domestic transfer · QR-bill payment · international |
| Read back | camt, pain.002 — one normalised format |
| Not supported | Direct debits |
BankConnector
Questions
- What is Aargauische Kantonalbank's EBICS Host ID and URL?
- AKB does not publish them. Once the EBICS participation declaration is concluded, AKB sends the authorisation data for EBICS in writing. The customer ID is your EBICS contract number and the user ID is your EBICS user.
- Which EBICS versions does AKB support?
- EBICS 2.5 and EBICS 3.0, and AKB recommends 3.0. Support for EBICS 2.5 and older ends on 13 November 2026, after which payments and account information in the old format are no longer accepted. New contracts on EBICS 2.4 are not accepted.
- Which keys does AKB require for EBICS?
- 2048-bit keys: A005 or A006 for the signature, X002 for authentication and E002 for encryption. Active subscriber keys carry over to EBICS 3.0 without a new initialisation; the bank's current certificate is fetched with HPB.
- Does AKB support the distributed electronic signature (VEU)?
- Yes, free of charge. Orders are submitted with signature authorisation T, AKB checks them and places them in the VEU folder, and authorised signatories release them in the Subsembly EBICS VEU-App with one signature or two, depending on the signature model.
- Which order types does AKB use for EBICS 3.0?
- Payments upload as BTU MCT/CH/pain.001, version 03 or 09. Downloads are BTD with scope CH: PSR for pain.002, STM for camt.052, EOP for camt.053 and MT940, REP for camt.054, and DAR for PDF bank documents. The 2.5 codes are XE2, Z01, Z52, Z53, Z54, STA and ZDF.
- Can I connect my ERP to Aargauische Kantonalbank?
- Yes. You send canonical JSON and BankConnector produces the pain.001.001.09 file the Swiss Payment Standards describe, then reads camt and pain.002 back into one normalised format. SEPA credit transfers, Swiss domestic transfers, QR-bill payments and international payments are supported. Direct debits are not.
Published by the bank
Dates the bank has announced. What we do about each one is ours.
Upcoming events in our register
ISO 20022 version 2009 ends. Only version 2019 messages are processed — pain.001.001.09 and the camt .08 versions, which need EBICS 3.0. Our engine already produces pain.001.001.09 for AKB.
Support for EBICS 2.5 and older ends. Payments and account information in the old format are no longer accepted from then on.
Structured or hybrid addresses become mandatory for domestic and foreign payments submitted as pain.001. Unstructured addresses are no longer valid.
LSV+ and Business Direct Debit end. Billers need an alternative invoicing method in place by the end of September 2028.
If all of this looks like a lot · it does not have to be
Five steps to a live AKB connection.
You do not need to know what any of the codes above mean. Our setup guide walks you through it one screen at a time.
- 1
Request the agreement from AKB
EBICS starts with paperwork. We draft the email, you send it, and you tell us when it has gone. There is nothing to configure until the bank replies.
- 2
Set up and send your keys
Enter the values from the agreement AKB returns. We already hold the ones that are public, so most of the form is filled in. Then one press generates your three key pairs and sends the public halves.
- 3
Prove your identity on paper
EBICS confirms the key exchange on paper, by design. We print the initialisation letter carrying the fingerprints AKB will check. You sign it by hand and send it.
- 4
Verify AKB and go live
While you wait, we fetch the bank's public keys and check them against the fingerprints it gives you over a separate channel. When that lands, you choose which approval policy governs payments here, and the connection switches on.
- 5
You are now in production with AKB
Payments go out as pain.001 and statements come back as camt. The connection runs unattended from here.
Sources — Aargauische Kantonalbank’s EBICS page, its EBICS factsheet, its EBICS 3.0 migration document, its VEU-app guide, its payments roadmap page and roadmap for Swiss payments, its instant-payment page, its corporate governance page and the Law on the Aargauische Kantonalbank; the bank’s entries in the commercial register of the Canton of Aargau, in GLEIF and in FINMA’s list of authorised banks. BankConnector is not affiliated with Aargauische Kantonalbank.