Switzerland · Graubündner Kantonalbank · EBICS
Connect GKB without learning EBICS.
EBICS 2.5 and 3.0 on Host ID GKBEBICS, bank key hashes on a published sheet, and the 2009 message versions ending on 14 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
GKBEBICS
EBICS 2.5
H004
EBICS 3.0
H005
Answered in
0.37 s
Published by the bank
The bank's imprint, regulatory documents, portrait and law pages; the Swiss UID register, GLEIF and FINMA.
Bank details
| Legal name | Graubündner Kantonalbank |
| Legal form | Institution under public law of the Canton of Graubünden (öffentlich-rechtliche Anstalt) |
| Registered office | Chur · Grabenstrasse, 7000 Chur in the UID register |
| Postal address | Postfach, 7001 Chur |
| UID | CHE-108.954.599 |
| Commercial register | CH-350.8.000.001-4 |
| VAT number | CHE-116.346.574 MWST |
| LEI | 549300SGCEMX4ZIZ0E76 |
| BIC | GRKBCH2270A · GRKBCH22XXX in the GLEIF record |
| Clearing number | 774 |
| Owner | Canton of Graubünden — 100% of the voting rights and 84.3% of the capital; the participation certificate is listed on SIX Swiss Exchange (ISIN CH0001340204) |
| State guarantee | The Canton of Graubünden guarantees all of GKB's liabilities — except participation capital, customer custody accounts, and pension and vested-benefits assets held in securities |
| Supervision | FINMA — authorised bank, supervisory category 3 |
| Founded | 1870, in Chur |
Checked live
Measured against the live host, with the address and Host ID from the bank's technical information sheet.
Access data
| EBICS address | https://ebics.gkb.ch |
| Host ID | GKBEBICS |
| Protocol versions | H004 (02.50) and H005 (03.00) |
Published by the bank
The bank's technical information sheet (12.25), its electronic payment order page and its data transmission page.
Keys, signatures and the agreement
| Service name | GKB EBICS-Service |
| Agreement | GKB EBICS service agreement (GKB EBICS-Service-Vereinbarung) |
| Also required | A business account with Graubündner Kantonalbank |
| Versions on the sheet | EBICS 2.x order types · EBICS 3.0 BTF parameters |
| Version rule | The latest schema and EBICS versions are to be used |
| Authentication | X002 |
| Encryption | E002 |
| Electronic signature | Not published |
| Key length | Not published |
| Key initialisation | INI (listed as password initialisation) and HIA |
| Initialisation letter | Not published |
| Bank key hashes | Published on the technical sheet for E002 and X002 — each as a public-key hash and as a certificate hash |
| Bank keys | Fetched with HPB · bank parameters with HPD |
| Key changes | HCA changes the EBICS keys · HCS changes the signature and EBICS keys · PUB sends a public key |
| Blocking access | SPR |
| Distributed signature (VEU) | Offered — six VEU order types on the sheet |
| Access rights | Managed in your accounting software, independent of the existing account power of attorney |
| Price | Not published |
| End of EBICS 2.5 | Not published |
Published by the bank
The bank's technical information sheet, edition 12.25.
Order types published by GKB
| 2.x | What it does | Dir | EBICS 3.0 BTF | Versions | Container |
|---|---|---|---|---|---|
| XE2 | Credit transfer orders | Send | MCT/CH/pain.001 | {empty} · 03 · 09 | — |
| XL3 | LSV+ direct debit order, with right of objection | Send | DDD/CH/pain.008 · DDD/CH/XCOR/pain.008 | — · 02 | — |
| XL4 | BDD direct debit orders, without right of objection | Send | DDD/CH/XB2B/pain.008 | — · 02 | — |
| Z01 | Error and status report | Download | PSR/CH/pain.002 | {empty} · 03 · 10 | ZIP |
| Z52 | Intraday account statement | Download | STM/CH/camt.052 | {empty} · 04 · 08 | ZIP |
| Z53 | Account statement with all details | Download | EOP/CH/camt.053 | {empty} · 04 · 08 | ZIP |
| Z54 | Credit and debit advice | Download | REP/CH/camt.054 | {empty} · 04 · 08 | ZIP |
| STA | End-of-day statement, SWIFT MT940 | Download | EOP/CH/mt940 | — | — |
| ZDF | Electronic bank documents, PDF | Download | DAR/CH/documents | — | ZIP |
Accounts for download depend solely on the subscriber ID, and files are provided as a collective ZIP file. pain.001 goes up without a container.
| VEU | What it does | Dir |
|---|---|---|
| HVU | Fetch the VEU signature folder | Download |
| HVZ | Fetch the VEU folder with additional information | Download |
| HVD | Fetch VEU status | Download |
| HVT | Fetch VEU order details | Download |
| HVE | Submit a VEU signature | Send |
| HVS | Cancel a VEU signature | Send |
The rest are administrative order types: key initialisation and changes, the bank’s public keys and parameters, customer and subscriber data, available order types, the customer protocol, the protocol file and blocking access. You never see one — we run them during setup and afterwards.
Published by the bank
The bank's data transmission page, its Conditions for Payment Transactions (valid from 1 January 2026), its SEPA factsheet and conditions, and its instant-payment page.
Cut-off times and execution
| Order | Type | Cut-off, CET |
|---|---|---|
| Sent electronically | SEPA credit transfer | 13:00 |
| Sent electronically | All countries and currencies | 14:00 |
| Sent electronically | Account transfers entered in e-Banking | 24 hours, 7 days |
| Sent electronically | SWIFT account transfers | 17:00 |
| Sent in writing | All countries and currencies | 15:00 on the day before execution |
| Same-day cut-off, EBICS | Not published |
| Before the cut-off | Executed the same day — also applies to foreign payments and foreign-currency credits within Switzerland |
| Before public holidays | Earlier cut-offs may apply |
| After the cut-off | Executed on the next possible bank working day — as are orders with no execution date or one in the past |
| Insufficient funds | GKB may decline to execute the payment |
| Collective orders | Every payment in it must meet the requirements, or GKB may reject the whole collective order unprocessed |
| Debit | With the value date of the actual execution day |
| Charge option not given | Shared (SHA) |
| SEPA treatment | EUR · beneficiary IBAN · BIC of a SEPA-participant beneficiary bank · charges SHA · no additional instructions |
| SEPA direct debit | Not in use at GKB |
| Instant payments in pain.001 | Not executed as instant from business software — Local Instrument INST is rejected in pain.002; ITP is processed via the RTGS system and reported ACWC |
Published by the bank
The bank's data transmission page, its technical information sheet and its version-change (09.25) and structured-address (04.26) factsheets.
Formats
| Message | What it is | GKB e-Banking | EBICS |
|---|---|---|---|
| pain.001 | Credit transfer orders | Yes | Yes |
| pain.002 | Error and status report | No — shown as text | Yes |
| pain.008 | Direct debit orders | Yes | Yes |
| camt.052 | Intraday account report — equivalent to MT942 | No | Yes |
| camt.053 | Booked account statement — equivalent to MT940 | Yes | Yes |
| camt.054 | Credit and debit advice with details — equivalent to MT900 and MT910 | Yes | Yes |
| First pain.002 from business software | Covers the correctness of the format — not a final execution confirmation of individual payments |
| pain.001.001.03.ch.02 (2009) | Supported until 14 November 2026, then rejected |
| pain.001.001.09.ch.03 (2019) | Current version, no end date |
| pain.002 | Version 03 until 14 November 2026 · version 10 with no end date |
| camt.052 · camt.053 · camt.054 | Version 04 until 14 November 2026 · version 08 with no end date |
| camt delivered | Version 04 until November 2026, then version 08 automatically · earlier switch on request |
| Direct debits | pain.008.001.02.ch.03 · LSV+ and BDD |
| MT940 · MT942 · MT101 | No end date, still supported — a move to camt.05x and pain.001 (2019) is recommended |
| Structured addresses | Required from 14 November 2026 — files with unstructured addresses and a later execution date are rejected on submission through all electronic channels |
| Minimum address | Town and country as separate elements — a payment without a street can still be rejected |
| Hybrid address | Introduced in November 2025 |
| QR-bill | Structured addresses only since 21 November 2025 · unstructured (type K) processed until the end of September 2026 |
| Payments contact | Kompetenzcenter Kundenservice · +41 81 256 96 01 · payments@gkb.ch |
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 Graubündner Kantonalbank's EBICS Host ID and URL?
- Host ID GKBEBICS, address https://ebics.gkb.ch. GKB publishes both on its Business Banking technical information sheet, with the hash values of its encryption (E002) and authentication (X002) keys, each as a public-key hash and as a certificate hash.
- Which EBICS versions does GKB support?
- The host answers EBICS 2.5 (H004, 02.50) and EBICS 3.0 (H005, 03.00). The technical sheet lists order types for EBICS 2.x and BTF parameters for EBICS 3.0, and states that the latest schema and EBICS versions are to be used. No end date for EBICS 2.5 has been published.
- Which signature version and key length does GKB use for EBICS?
- Graubündner Kantonalbank does not publish its electronic signature version or a key length. Its technical sheet names X002 for authentication and E002 for encryption, INI and HIA for key initialisation, HPB for the bank's public keys, and HCA and HCS for key changes.
- Does GKB support the distributed electronic signature (VEU)?
- Yes. The technical sheet lists the VEU order types HVU, HVZ, HVD, HVT, HVE and HVS. Access rights are managed in your accounting software, independent of the existing account power of attorney.
- Does GKB accept pain.001.001.09?
- Yes. pain.001.001.09.ch.03 goes up under XE2 on EBICS 2.x and under MCT/CH/pain.001 version 09 on EBICS 3.0, without a container. pain.001.001.03.ch.02 is supported until 14 November 2026 and rejected after that.
- Which order types does GKB publish?
- XE2 for pain.001, XL3 and XL4 for pain.008 direct debits, Z01 for pain.002, Z52, Z53 and Z54 for camt.052, camt.053 and camt.054, STA for MT940 and ZDF for PDF bank documents. Under EBICS 3.0 these are MCT, DDD, PSR, STM, EOP, REP and DAR with scope CH; pain.002, camt and PDF files come as ZIP.
- What are Graubündner Kantonalbank's payment cut-off times?
- GKB does not publish a cut-off specific to EBICS. Its cut-off table for orders sent electronically gives 13:00 CET for SEPA credit transfers, 14:00 for all countries and currencies and 17:00 for SWIFT account transfers. Earlier cut-offs may apply before public holidays, and later orders are executed on the next possible bank working day.
- When does GKB require structured addresses?
- From 14 November 2026. GKB rejects payment files with unstructured addresses and an execution date after that day on submission through all electronic channels. The address must at least carry the town and country as separate elements, and QR-bills with unstructured addresses are processed until the end of September 2026.
- Can I connect my ERP to Graubündner Kantonalbank?
- Yes. You send canonical JSON and BankConnector produces pain.001.001.09 to the Swiss Payment Standards ch.03 schema, 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
Last month GKB processes QR-bills with unstructured addresses (address type K).
End of the 2009 message versions. pain.001.001.03, pain.002.001.03 and camt.05x version 04 are supported until this day; camt is then delivered in version 08. Payment files with unstructured addresses and a later execution date are rejected on submission through all electronic channels.
If all of this looks like a lot · it does not have to be
Five steps to a live GKB 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 GKB
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 GKB 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 GKB will check. You sign it by hand and send it.
- 4
Verify GKB 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 GKB
Payments go out as pain.001 and statements come back as camt. The connection runs unattended from here.
Sources — Graubündner Kantonalbank’s Business Banking technical information sheet in German and Italian (12.25), its data transmission and message types page, its electronic payment order page, its version-change factsheet (09.25) and structured-address factsheet (04.26), its Conditions for Payment Transactions (valid from 1 January 2026), its SEPA information factsheet and special conditions for SEPA transactions, its instant-payment page for businesses, its imprint, its regulatory documents page, its portrait and its law page; the Swiss UID register, the GLEIF LEI record and FINMA’s list of authorised banks. BankConnector is not affiliated with Graubündner Kantonalbank.