Switzerland · Banque Cantonale de Fribourg · EBICS
Connect BCF without learning EBICS.
EBICS 2.5 and 3.0, free of charge. Companies move to EBICS 3.0 by 13 November 2026, and BCF refuses unstructured addresses from 2 November 2026. We handle the payments, the statements and every protocol step underneath.
BCF at a glance
- BIC
- BEFRCH22
- Clearing number
- 768
- EBICS versions
- 2.5 and 3.0
- Host ID
- Not published
- EBICS access
- Free of charge
- EBICS 3.0 required by
- 13 Nov 2026
Published by the bank
The bank's website, head-office page, state-guarantee page and the cantonal bank law it publishes; the UID register, GLEIF and FINMA.
Bank details
| Legal name | Banque Cantonale de Fribourg (Freiburger Kantonalbank) |
| Legal form | Legal person under public law, separate from the canton |
| Registered office | Boulevard de Pérolles 1, 1700 Fribourg |
| UID | CHE-108.954.576 |
| Commercial register | CH-217.0.131.618-5 |
| LEI | 5493008MSAGSTUCMKL66 |
| BIC | BEFRCH22 |
| Clearing number | 768 |
| Endowment capital | Provided by the Canton of Fribourg |
| State guarantee | The canton guarantees the bank's financial commitments — deposits are guaranteed without limit; the bank pays the canton a yearly fee for it |
| Supervision | FINMA — authorised bank, supervisory category 3 |
Published by the bank
The bank's EBICS page and its payment-standards page.
Access data
| EBICS address | Not published |
| Host ID | Not published |
| Access information | Set up by BCF, together with your EBICS keys |
| Protocol versions | EBICS 2.5 and EBICS 3.0 |
| Move to EBICS 3.0 | Required of companies by 13 Nov 2026 |
| Transition period to EBICS 3.0 | Ends in 2026 |
| Prerequisite | Accounting software with an EBICS interface — configured with your software vendor and BCF |
| Set-up contact | Your business client advisor, with a BCF Digital Banking specialist |
| Customer service | 0848 223 223 · Mon–Fri 08:00–17:30 |
Published by the bank
The bank's EBICS page and its FAQ, in French and German.
Keys, signatures and the agreement
| Agreement | BCF EBICS contract, drawn up by BCF |
| Price | EBICS access is free — banking operations and accounts at BCF's usual tariffs |
| EBICS keys | Set up by BCF |
| Signature version | Not published |
| Key length | Not published |
| Bank key hashes | Not published |
| Initialisation letter | Not published |
| Distributed signature (VEU) | Not published |
| ERP coupling | BCF helps connect your ERP or accounting software to its EBICS bank server |
Published by the bank
The bank's payment-standards page, its EBICS page and its QR-bill page.
What you send and fetch over BCF EBICS
| Message | What it does | Direction |
|---|---|---|
| pain.001 | Payment orders — the Swiss standard for outgoing payments | Send |
| camt.052 | Intraday movements and cash position | Download |
| camt.053 | Account statement — daily, weekly or monthly | Download |
| camt.054 | Details of QR-IBAN credits and debits | Download |
| Confirmations | Confirmations of executed transactions | Download |
| EBICS 2.5 order types | Not published |
| EBICS 3.0 BTFs | Not published |
| EBICS 3.0 order identification | Business Transaction Format (BTF), replacing national formats |
| Transfers | Domestic and international, SEPA included, and in foreign currencies |
| Batch payments | Several payments in one file — salaries, suppliers |
| Account information | Balances and movements in real time or as periodic statements |
| camt.054 for QR credits | Generated once a day at 20:00 as grouped entries — available the next day |
Published by the bank
The processing-times table on the bank's payments page, published for e-banking; its instant-transfer and SEPA pages; its service tariff valid from 1 July 2026.
Cut-off times and execution
| EBICS payment orders | Not published |
| Published cut-offs | Stated for e-banking payments |
| E-banking payment in Switzerland, CHF | Before 15:30 — executed and debited the same day; credited the same day or the next working day |
| E-banking SEPA payment | Before 15:30 — executed and debited the same day; credited abroad within 1–3 working days |
| E-banking payment outside SEPA | Credited abroad within 3–5 working days, depending on country and currency |
| Payment order in Switzerland, CHF | Executed on the date chosen, from 06:00 — without a date, the same day within about 30–45 minutes |
| Instant payments, incoming | 24/7, free, to a CHF current account in Switzerland |
| Instant payments, outgoing | Not available at BCF yet |
| Instant amount ceiling | CHF 20,000 per payment |
| SEPA payment, e-banking | Free · CHF 5 outside SEPA or in another currency |
| Charge option OUR | CHF 20 surcharge — the payment is no longer SEPA |
| Urgent payment | CHF 20 surcharge |
Published by the bank
The bank's payment-standards page, its QR-bill page and its structured-address news.
Formats
| Outgoing payments | pain.001 |
| Account reporting | camt.052 · camt.053 · camt.054 |
| Message versions | Not published |
| ISO 20022 formats | Mandatory from November 2026 |
| Structured addresses | Required from 2 Nov 2026 — locality and country each in their own field, no free-text address line |
| Payment files named for structured addresses | pain.001 · pain.008 SDD · MT101 |
| QR-bill | Structured addresses (type S) since 21 Nov 2025 · unstructured refused from 2 Nov 2026 |
| QR-IID | 30768 |
| LSV+ and BDD | End on 30 Sep 2028 |
| 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 Banque Cantonale de Fribourg's EBICS Host ID and URL?
- BCF does not publish them. BCF draws up the EBICS contract and sets up your EBICS keys and access information. Set-up starts with your business client advisor, together with a BCF Digital Banking specialist.
- Which EBICS versions does BCF support?
- EBICS 2.5 and EBICS 3.0. Companies must move to EBICS 3.0 by 13 November 2026, when the transition period to EBICS 3.0 ends.
- What does EBICS cost at BCF?
- Access to EBICS is free. Banking operations and account management are charged at BCF's usual tariffs.
- When does BCF require structured addresses?
- From 2 November 2026 BCF refuses payment orders that do not conform to ISO 20022: the locality and the country each go in their own field, and addresses are no longer accepted as free text on one line. Files concerned include pain.001, pain.008 SDD and MT101. Unstructured addresses on QR-bills are refused from the same date.
- What are BCF's payment cut-off times?
- BCF publishes its cut-offs for e-banking payments: CHF payments in Switzerland and SEPA payments sent before 15:30 are executed and debited the same day. SEPA payments are credited abroad within 1 to 3 working days, payments outside SEPA within 3 to 5. No cut-off for EBICS payment orders has been published.
- Does BCF offer instant payments?
- BCF business customers can receive instant payments 24/7, free of charge, on a CHF current account in Switzerland, up to CHF 20,000 per payment. Sending instant payments is not yet available at BCF.
- Can I connect my ERP to Banque Cantonale de Fribourg?
- 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
Structured addresses only. BCF refuses payment orders that do not conform to ISO 20022 — locality and country in their own fields, no free-text address line — and unstructured addresses on QR-bills.
Companies must have moved to EBICS 3.0. The transition period to EBICS 3.0 ends.
LSV+ and BDD direct debits end. BCF names eBill Direct Debit and TWINT Direct Debit as alternatives.
If all of this looks like a lot · it does not have to be
Five steps to a live BCF 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 BCF
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 BCF 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 BCF will check. You sign it by hand and send it.
- 4
Verify BCF 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 BCF
Payments go out as pain.001 and statements come back as camt. The connection runs unattended from here.
Sources — Banque Cantonale de Fribourg’s EBICS page in French and German, its payment-standards page, its payments page, its instant-transfer page, its SEPA transfer page, its QR-bill page, its structured-address news, its service tariff (valid from 1 July 2026), its state-guarantee page, the Law on the Banque cantonale de Fribourg and its head-office page; the Swiss UID register, GLEIF and FINMA’s list of authorised banks. BankConnector is not affiliated with Banque Cantonale de Fribourg.