Germany · Commerzbank AG · EBICS
Connect Commerzbank without learning EBICS.
EBICS 2.5 and 3.0 on Host ID CBKEBIX1, a 17:00 cut-off for SEPA credit transfers, and the older SEPA formats’ lifecycle ending 13 November 2026. We handle the payments, the statements and every protocol step underneath.
The host, checked live
<ebicsHEVResponse xmlns="http://www.ebics.org/H000"> <ReturnCode>000000</ReturnCode> <ReportText>[EBICS_OK] OK</ReportText> <VersionNumber ProtocolVersion="H004">02.50</VersionNumber> <VersionNumber ProtocolVersion="H005">03.00</VersionNumber> </ebicsHEVResponse>
Host ID
CBKEBIX1
EBICS 2.5
H004
EBICS 3.0
H005
Answered in
0.57 s
Published by the bank
The bank's imprint, its GLEIF record and the Bundesbank bank-code register.
Bank details
| Legal name | Commerzbank AG (Commerzbank Aktiengesellschaft) |
| Registered office | Kaiserplatz, 60311 Frankfurt am Main |
| Register | Amtsgericht Frankfurt am Main HRB 32000 |
| LEI | 851WYGNLUQLFZBSYGB56 |
| BIC | COBADEFFXXX |
| Bank codes | Several, by region — former Dresdner Bank codes carry DRESDEFF BICs |
| VAT ID | DE 114 103 514 |
| Supervision | European Central Bank · BaFin (BAK no. 100005) |
Checked live
Address and Host ID as the bank publishes them, measured against the live host.
Access data
| EBICS address | https://ebicsveu.commerzbank.com/ebicsweb/ebicsweb |
| Host ID | CBKEBIX1 |
| Port | 443 |
| Protocol versions | H004 (02.50) and H005 (03.00) |
Published by the bank
The bank's EBICS help pages and its payee-verification guide.
Keys, signatures and the agreement
| Bank key hashes | Published on commerzbank.de — EBICS 2.5 keys, EBICS 3.0 keys, EBICS 3.0 certificates |
| Hash per set | One value — E002 and X002 carry the same hash |
| New EBICS access | Ordered through your relationship manager |
| Agreement | EBICS agreement, GPP agreement or DFÜ authorisation — uploaded in online banking |
| Distributed signature | VEU — HVE authorises, HVS cancels |
| Signature classes | A · B · E |
| Signature version | Not published |
| End of EBICS 2.5 | Not published |
Published by the bank
The bank's payee-verification guide, its format overview and its payments page.
Order types published by Commerzbank
| 2.5 | What it does | 3.0 BTF | Direction |
|---|---|---|---|
| CCT | SEPA credit transfer, payee check opt-out | SCT//VOO/pain.001/ | Send |
| CTV | SEPA credit transfer, payee check opt-in | SCT//VOI/pain.001/ | Send |
| CIP | SEPA instant credit transfer, payee check opt-out | SCI//VOO/pain.001/ | Send |
| CIV | SEPA instant credit transfer, payee check opt-in | SCI//VOI/pain.001/ | Send |
| CCU | Urgent euro transfer, same day | Not published | Send |
| AZV | Foreign payment, DTAZV | Not published | Send |
| AXZ | Foreign payment, pain.001.001.09 | Not published | Send |
| XIC · XID | Orders in CGI format, pain.001 and pain.008 | Not published | Send |
| VPZ | Payee verification status report | REP/DE/VOP/pain.002/ZIP | Download |
Named for the distributed signature and the customer protocol:
Payee verification has applied to SEPA credit transfers and SEPA instant since 9 October 2025. Opting out is open to business customers only; consumers have no opt-out.
An opt-in file always needs the distributed signature. Bank-business signatures present at submission are discarded, and the file reaches the VEU only once the VPZ report is final. The whole file is then authorised with HVE or cancelled with HVS — never in part. The report carries RCVC for a match, RVMC for a close match, RVNM for no match and RVNA for no response or not applicable.
Published by the bank
The bank's cut-off schedule of November 2025 and its corporate payments page.
Cut-off times and execution
| SEPA credit transfer | 17:00 on the bank's business days |
| SEPA instant (CIP) | 24/7 — no cut-off |
| Instant amount ceiling | None per transaction — your own transaction and daily limits apply |
| Urgent euro transfer (CCU) | 15:45 |
| SEPA core and B2B direct debit | 13:00, one TARGET2 day before the due date |
| Foreign, with currency conversion | 18:00 |
| Foreign, same-day value | EUR, GBP, CAD, MXN 15:15 · USD 16:30 |
| Time zone | Central European Time |
Published by the bank
The bank's format-version overview of August 2026 and its legacy-format notice.
Formats
| Format | Lifecycle end | Commerzbank accepts |
|---|---|---|
| SEPA DK 3.0–3.6 — pain.001.001.03, pain.008.001.02, pain.002.001.03 | 13 Nov 2026 | For a limited period beyond — address data adjusted or deleted |
| SEPA DK 3.7 and 3.9 — pain.001.001.09, pain.008.001.08, pain.002.001.10 | None defined | No end date |
| SEPA 2.9 and older | — | No longer, since March 2026 |
| DTAZV (AZV) | Nov 2026 | For a limited period beyond — address data adjusted or deleted |
| pain.001.001.09 foreign (AXZ), DK 3.9 | None defined | No end date |
| Urgent euro (CCU) in pain.001.001.03 | Nov 2026 | For a limited period beyond — address data adjusted or deleted |
| Urgent euro (CCU) in pain.001.001.09 | None defined | No end date |
| MT940 · MT942 | Nov 2025 | Until Nov 2027 |
| camt.053 · camt.052, version 02 | Nov 2025 | No end date |
| camt.053 · camt.052, version 08 | None defined | No end date |
BankConnector
What is built and shipped for this bank today.
What our engine produces
| Payment format | pain.001.001.03 |
| Charge bearer | SLEV on SEPA payments · SHAR on all others |
| Batch booking | False |
| Remittance limit | 140 characters |
| Name limit | 70 characters |
| Character set | Latin — transliterated before the bank sees it |
| Payment types built | SEPA credit transfer · SEPA instant · domestic account transfer · international |
| Read back | camt.053, camt.052, camt.054, pain.002 — one normalised format |
| Not supported | Direct debits |
BankConnector
Questions
- What is Commerzbank's EBICS Host ID and URL?
- Host ID CBKEBIX1, address https://ebicsveu.commerzbank.com/ebicsweb/ebicsweb, port 443. Commerzbank publishes the hash values of its bank keys on commerzbank.de, in separate sets for EBICS 2.5 keys, EBICS 3.0 keys and EBICS 3.0 certificates.
- Which EBICS versions does Commerzbank support?
- The host answers EBICS 2.5 (H004) and 3.0 (H005). Commerzbank has not published an end date for EBICS 2.5.
- What are Commerzbank's cut-off times for EBICS payments?
- SEPA credit transfers with an electronic signature by 17:00 on the bank's business days, urgent euro transfers (CCU) by 15:45, and foreign payments with currency conversion by 18:00. SEPA instant runs 24/7 with no cut-off. Direct debits are due by 13:00 one TARGET2 day before the due date.
- When does Commerzbank stop accepting pain.001.001.03?
- Commerzbank names 13 November 2026 as the end of the lifecycle for SEPA format versions below 3.7, which include pain.001.001.03. It states it will keep accepting those files for a limited period beyond, adjusting or deleting the address data they contain, which can cause queries, delays or rejected payments. Versions 2.9 and older have not been accepted since March 2026. DTAZV and urgent transfers in pain.001.001.03 end in November 2026.
- Does Commerzbank support Verification of Payee over EBICS?
- Yes, since 9 October 2025, for SEPA credit transfers and SEPA instant. CTV and CIV opt in, CCT and CIP opt out; opting out is open to business customers only. An opt-in file needs the distributed signature: signatures present at submission are discarded, the file enters the VEU once the VPZ report is final, and it is authorised or cancelled as a whole.
- Does Commerzbank still support MT940?
- Yes. Commerzbank's format overview of August 2026 lists MT940 and MT942 as supported until November 2027, and camt.053 and camt.052 in versions 02 and 08 with no end date.
- Can I connect my ERP to Commerzbank?
- Yes. You send canonical JSON and BankConnector produces the pain.001.001.03 credit transfer file, then reads camt.053, camt.052, camt.054 and pain.002 back into one normalised format. SEPA credit transfers, SEPA instant, domestic account transfers 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
SEPA format versions below 3.7 reach the end of their lifecycle, pain.001.001.03 among them, and DTAZV and urgent transfers in pain.001.001.03 end. Commerzbank keeps accepting such files for a limited period, adjusting or deleting their address data.
MT940 and MT942 statements are no longer provided. camt.053 and camt.052 continue.
If all of this looks like a lot · it does not have to be
Five steps to a live Commerzbank 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 Commerzbank
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 Commerzbank 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 Commerzbank will check. You sign it by hand and send it.
- 4
Verify Commerzbank 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 Commerzbank
Payments go out as pain.001 and statements come back as camt. The connection runs unattended from here.
Sources — Commerzbank’s imprint, its GLEIF record, the Deutsche Bundesbank bank-code register, its help pages on the EBICS communication address, the public EBICS bank keys, the EBICS agreement and payee verification in EBICS, its payee-verification guide (1 October 2025), its notice on legacy SEPA formats, its format-version overview (August 2026), its cut-off schedule (November 2025), its corporate payments page, and the EBICS specifications published by Die Deutsche Kreditwirtschaft. BankConnector is not affiliated with Commerzbank AG.
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