Switzerland · Banque Cantonale de Genève · EBICS
Connect BCGE without learning EBICS.
EBICS through BCGE Business link, free of charge, for pain.001 payments, pain.002 status reports and camt statements. Unstructured addresses are declined from 14 November 2026. We handle the payments, the statements and every protocol step underneath.
BCGE at a glance
- BIC
- BCGECHGGXXX
- Clearing number
- 788
- EBICS service
- BCGE Business link
- Host ID
- Not published
- Business link
- Free of charge
- Unstructured addresses
- Declined from 14 Nov 2026
Published by the bank
The bank's website and the cantonal bank law it publishes; the UID register, GLEIF and FINMA.
Bank details
| Legal name | Banque Cantonale de Genève |
| Legal form | Public-law company limited by shares under article 763 of the Swiss Code of Obligations |
| Registered office | Quai de l'Ile 17, 1204 Genève · P.O. Box 2251, 1211 Geneva 2 |
| UID | CHE-105.981.074 |
| LEI | 549300ZEFUWWFTP7BA50 |
| BIC | BCGECHGGXXX |
| Clearing number | 788 |
| Supervision | FINMA — authorised bank |
| State guarantee | None since 1 January 2017 — the Canton of Geneva's limited guarantee ran from 1 January 2013 to 31 December 2016 |
| Deposit protection | esisuisse — up to CHF 100,000 per client |
Published by the bank
The bank's Business link page and product sheets, and its structured addresses page.
Access data
| EBICS service | BCGE Business link |
| EBICS address | Not published |
| Host ID | Not published |
| EBICS 3.0 | Named by BCGE: pain.001.001.09 over EBICS 3.0 needs no change for the structured-address rule |
| Other EBICS versions | Not published |
| Prerequisites | A BCGE account · a Business link user contract · a computer with an internet connection · a licence for EBICS-compatible payment or accounting software |
| Support | Online advice +41 58 211 21 00 · info@bcge.ch · Mon–Fri 07:30–19:30, Sat 09:00–16:00, Sun 09:00–13:00 |
Published by the bank
The bank's Business link page and product sheets, and its tariffs and conditions from 1 January 2026.
Keys, signatures and the agreement
| Agreement | Business link user contract (contrat d'utilisateur Business link) |
| Price | Business link is free of charge |
| File receipt confirmation | CHF 15 per order |
| Signature version | Not published |
| Key length | Not published |
| Bank key hashes | Not published |
| Initialisation letter | Not published |
| Your keys | Set up by the administrator of your financial software, according to the EBICS standard |
| Users and rights | Designated by that administrator, with their rights to transmit orders — you set the order-execution process yourself |
| Distributed signature | Not published |
Published by the bank
The bank's Business link product sheets.
Files exchanged over Business link
| Message | What it carries | Direction |
|---|---|---|
| pain.001 | Payment files for Switzerland and abroad | Send |
| pain.002 | Acknowledgement of receipt and payment status | Download |
| camt.052 | Intraday electronic account statement | Download |
| camt.053 | End-of-day electronic account statement | Download |
| camt.054 | Incoming payments — QR-bill, BVR and LSV | Download |
| MT942 · MT940 | Optional conversion of the electronic account statement | Download |
| Order types (EBICS 2.5) | Not published |
| Business transaction formats (EBICS 3.0) | Not published |
Published by the bank
The bank's general terms (5002W15, version 2025) and its instant-payment receipt notice.
Cut-off times and execution
| Business link payment orders | Not published |
| Instant payments over Business link | Not published |
| Instant payment conditions, general terms | CHF only · the beneficiary's bank is in Switzerland and accepts instant payments · irrevocable once the bank receives the order |
| Instant amount ceiling | CHF 20,000 per transaction |
| Instant outside working days | Booked immediately at the day's date — value date the next working day |
| Instant not executable | BCGE may execute it as an ordinary payment where those conditions are met |
| Instant receipt | 24/7, within 10 seconds or rejected at once · free of charge |
Published by the bank
The bank's Business link product sheets and its structured addresses page.
Formats
| You send | pain.001 payment files |
| You receive | pain.002 · camt.052 · camt.053 · camt.054 |
| Message versions | Not published |
| MT940 · MT942 | Optional conversion of the electronic account statement |
| End of MT940 | Not published |
| QR-bill credits | Delivered in camt.054 |
| Structured addresses | Required for debtor, creditor and financial-institution addresses in domestic (SIC) and foreign (SEPA, Swift) payments |
| Unstructured addresses | Payments declined from 14 Nov 2026 |
| MT101 | Does not support structured addresses — no longer processed on the network, being replaced by pain.001 |
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 Genève's EBICS Host ID and URL?
- BCGE does not publish them. EBICS at BCGE runs under the BCGE Business link user contract, which requires a BCGE account and a licence for EBICS-compatible payment or accounting software.
- Which EBICS version does BCGE use?
- BCGE names EBICS 3.0: clients who send pain.001.001.09 files over EBICS 3.0 need to change nothing for the structured-address rule that applies from 14 November 2026. BCGE does not publish a list of the other EBICS versions it supports.
- Which files can I exchange with BCGE over EBICS?
- You send pain.001 payment files for Switzerland and abroad. You receive pain.002 acknowledgements and payment statuses, camt.052 intraday and camt.053 end-of-day account statements, and camt.054 for incoming QR-bill, BVR and LSV payments. Conversion of the account statement to MT942 or MT940 is optional.
- What does Business link cost?
- Business link is free of charge. BCGE's tariffs in force from 1 January 2026 list CHF 15 per order for a Business link confirmation of file receipt.
- What changes at BCGE on 14 November 2026?
- Payments with unstructured addresses are declined. Debtor, creditor and financial-institution addresses must be structured in domestic (SIC) and foreign (SEPA, Swift) payments. For pain.001 over EBICS, BCGE states that nothing changes if your platform generates pain.001.001.09 and uses EBICS 3.0.
- Does BCGE support instant payments?
- BCGE's general terms set the conditions for an instant payment: CHF only, a beneficiary bank in Switzerland that accepts instant payments, and irrevocable once BCGE receives the order. The ceiling is CHF 20,000 per transaction. Receiving is available 24/7 and free of charge. BCGE does not publish whether instant payments can be sent over Business link.
- Can I connect my ERP to Banque Cantonale de Genève?
- 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
Payments with unstructured addresses are declined. The rule covers debtor, creditor and financial-institution addresses in domestic and foreign payments. Our engine already produces pain.001.001.09 for BCGE.
If all of this looks like a lot · it does not have to be
Five steps to a live BCGE 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 BCGE
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 BCGE 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 BCGE will check. You sign it by hand and send it.
- 4
Verify BCGE 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 BCGE
Payments go out as pain.001 and statements come back as camt. The connection runs unattended from here.
Sources — Banque Cantonale de Genève’s BCGE Business link page, its Business link product sheets in French (10.2023) and English (09.2021), its structured addresses page, its tariffs and conditions (in force from 1 January 2026), its general terms (5002W15, version 2025), its instant-payment receipt notice, the Law on the Banque cantonale de Genève and its deposit-guarantee page; the Swiss UID register, the GLEIF LEI record and FINMA’s list of authorised banks. BankConnector is not affiliated with Banque Cantonale de Genève.