Switzerland · Raiffeisen · EBICS
Connect Raiffeisen without learning EBICS.
EBICS 3.x and 2.5, free of charge, with payment approval through the distributed signature. EBICS 2.5 and ISO 20022 version 2009 end on 13 November 2026. We handle the payments, the statements and every protocol step underneath.
Raiffeisen at a glance
- BIC
- RAIFCH22XXX
- EBICS versions
- 3.x and 2.5 — 2.5 until 13 Nov 2026
- Host ID
- Not published — on the bank parameter sheet
- EBICS access
- Free of charge
- EBICS cut-off
- 15:00 CET for CHF and EUR
- Signature classes
- T · E · A · B
Published by the bank
The bank's legal and imprint page, its site footer and its organisation page; the Swiss UID register, GLEIF and FINMA.
Bank details
| BIC | RAIFCH22XXX |
| Legal name | Raiffeisen Schweiz Genossenschaft (Raiffeisen Switzerland Cooperative) |
| Legal form | Cooperative (Genossenschaft) |
| Registered office | Raiffeisenplatz 4, 9001 St. Gallen |
| UID | CHE-105.997.193 |
| Commercial register | CH-320.5.002.226-0 |
| LEI | 5299006GIHQ1ELISCV48 |
| Group structure | Each Raiffeisen bank is a legally and organisationally independent cooperative · your account is held at your Raiffeisen bank |
| Owners | The Raiffeisen banks — 100% |
| Role | Leads the Raiffeisen Group strategically · treasury, trading and transaction functions as its central bank |
| Local banks' BICs | Registered in GLEIF under Raiffeisen Schweiz Genossenschaft's LEI, in the RAIFCH22 range |
| Supervision | FINMA — authorised bank, supervisory category 2 |
Published by the bank
The bank's EBICS page and its EBICS order-type sheet.
Access data
| EBICS address | Not published |
| Host ID | Not published |
| Bank parameter sheet | Sent by your Raiffeisen bank when the contract is concluded — carries the further set-up data |
| Access data | EBICS keys and access information received after the contract |
| Protocol versions | EBICS 3.x (current) and EBICS 2.5 (predecessor) |
| New contracts | EBICS 3.0 recommended |
| Existing contracts | Do not have to be changed to move to EBICS 3.0 |
| End of EBICS 2.5 | 13 Nov 2026 — no longer supported from that date |
| Firmenkunden Service-Center | Mon–Fri 07:30–18:00 · 0848 847 222 · firmenkunde@raiffeisen.ch |
Published by the bank
The bank's EBICS page, its EBICS order-type sheet, and its Raiffeisen Business Banking page and product sheet.
Keys, signatures and the agreement
| Agreement | EBICS contract with Raiffeisen |
| Price | EBICS free of charge · account and payment prices of your Raiffeisen bank apply |
| Authentication key | Not published |
| Encryption key | Not published |
| Electronic signature version | Not published |
| Key length | Not published |
| Bank key hashes | Not published |
| Bank keys | Fetched with HPB |
| Key submission | INI and HIA |
| Key changes | HCA (EBICS keys) · HCS (signature and EBICS keys) |
| Blocking access | SPR |
| Signature class T | Transport signature — submits orders and fetches account data, cannot approve or release |
| Signature class E | Single signature — releases payments, with or without a prior A or B |
| Signature classes A and B | Collective signature — approves or releases, never both on one order |
| Distributed signature (VEU) | Order submitted with T · checked by your Raiffeisen bank and parked in the VEU folder · approved with A or B or released with E · checked again and executed |
| Execution confirmation | In your software and in Raiffeisen Business Banking |
| VEU release | Optional · also mobile and across companies |
| Raiffeisen Business Banking | Browser platform · Payments module free of charge, Multibanking CHF 10 a month, Cash Management CHF 40 a month |
| Business Banking agreement | Usage agreement · payment accounts included through signing arrangements |
Published by the bank
The bank's EBICS order types and Business Transaction Formats sheet (11/2025).
Order types published by Raiffeisen
| Service | What it does | Dir | Scope | Option | Container | Message | Versions |
|---|---|---|---|---|---|---|---|
| MCT | Payment submission | BTU | CH | — | — | pain.001 | — · 03 · 09 |
| PSR | Status report | BTD | CH | — | ZIP | pain.002 | — · 03 · 10 |
| PSR | Status report from processing | BTD | CH | XUPD | ZIP | pain.002 | — · 03 · 10 |
| STM | Intraday statement | BTD | CH | — | ZIP | camt.052 | — · 04 · 08 |
| EOP | End-of-day statement | BTD | CH | — | ZIP | camt.053 | — · 04 · 08 |
| REP | Details of collective bookings | BTD | CH | — | ZIP | camt.054 | — · 04 · 08 |
| REP | Booking notifications for LSV credits | BTD | CH | XDDD | ZIP | camt.054 | — · 04 · 08 |
| DAR | Bank documents as PDF | BTD | CH | — | ZIP | documents | — |
| EOP | End-of-day statement, SWIFT format | BTD | DE | — | — | mt940 | — |
| STM | Intraday statement, SWIFT format | BTD | DE | — | — | mt942 | — |
The EBICS 3.x BTFs. Uploads run as BTU and downloads as BTD. For Swiss Payment Standards messages Raiffeisen accepts and delivers files both with and without the version attribute. The SWIFT-format statements carry scope DE and no container.
| 2.5 | Dir | What it does | Container |
|---|---|---|---|
| XE2 | Send | Payment submission | — |
| Z01 | Download | Status report | ZIP |
| ZZA | Download | Status report from processing | ZIP |
| Z52 | Download | Intraday statement | ZIP |
| Z53 | Download | End-of-day statement | ZIP |
| Z54 | Download | Details of collective bookings | ZIP |
| ZS2 | Download | Booking notifications for LSV credits | ZIP |
| ZDF | Download | Bank documents as PDF | ZIP |
| STA | Download | End-of-day statement, SWIFT format | Concatenated |
| VMK | Download | Intraday statement, SWIFT format | Concatenated |
The distributed-signature order types: VEU status, transaction details, the VEU folder, the folder with additional information, adding a signature and cancelling one.
The technical and administrative order types, valid for EBICS 2.5 and 3.x (PTK on 2.5 only): the customer protocol, available order types, customer and subscriber data, the bank’s keys and parameters, key submission and changes, and blocking. We run them during setup and afterwards.
Published by the bank
The bank's cut-off factsheet (03/2025), page for Raiffeisen Business Banking / EBICS / Swift, and its Business Banking product sheet.
Cut-off times and execution
| Currency | Destination | Order in by (CET) |
|---|---|---|
| CHF | Domestic | 15:00 on the value date |
| EUR | Domestic | 15:00 on the value date |
| EUR | SEPA participants | 15:00 on the value date |
| EUR | Non-SEPA, within Europe | 15:00 on the value date |
| CZK | Czech Republic | 15:00, one bank working day before |
| DKK | Denmark | 15:00 on the value date |
| GBP | England | 15:00 on the value date |
| HUF | Hungary | 15:00, one bank working day before |
| NOK | Norway | 15:00 on the value date |
| SEK | Sweden | 15:00 on the value date |
| AUD | Australia | 15:00, one bank working day before |
| CAD | Canada | 15:00 on the value date |
| HKD | Hong Kong | 15:00, one bank working day before |
| JPY | Japan | 15:00, two bank working days before |
| NZD | New Zealand | 15:00, one bank working day before |
| SGD | Singapore | 15:00, two bank working days before |
| THB | Thailand | 15:00, one bank working day before |
| TRY | Turkey | 15:00, one bank working day before |
| USD | USA | 15:00 on the value date |
| ZAR | South Africa | 15:00, one bank working day before |
| RON | Romania | 15:00 on the value date |
| MXN | Mexico | 15:00 on the value date |
| PLN | Poland | 15:00 on the value date |
| Channel on this page | Raiffeisen Business Banking / EBICS / Swift |
| Single and collective payments | Same cut-off |
| Other countries | Vary by destination — clarified case by case |
| After the cut-off | Executed on the next possible bank working day |
| Before public holidays | Earlier cut-offs may apply |
| Execution date | Starts processing at Raiffeisen · V is the requested value date for forwarding |
| V−1 order | Debited on V−1 and forwarded with value date V |
| Credit at the beneficiary's bank | Outside Raiffeisen's control |
Published by the bank
The bank's EBICS order-type sheet, its ISO 20022 and EBICS pages, its camt.054 sheet, its QR-bill page and its interfaces page.
Formats
| pain.001 | Versions 03 and 09 · also without version attribute |
| pain.002 | Versions 03 and 10 · standard and from-processing reports |
| camt.052 · camt.053 · camt.054 | Versions 04 and 08, in a ZIP |
| Moving camt to version 2019 | Date agreed with your corporate client adviser |
| Order of the move | EBICS 3.0 first, then ISO 20022 version 2019 |
| End of ISO 20022 version 2009 | 13 Nov 2026 — no longer processed from that date |
| camt.054 collective bookings | Created three times a day — 06:30, 12:00, 19:00 — per payment type, when transactions exist |
| camt.054 payment types | Standard and instant · QR-IBAN or multiple QR-IBAN with QR reference · IBAN with SCOR reference |
| Bank transaction codes | PMNT / RCDT / VCOM standard · PMNT / RRCT / VCOM instant |
| Instant single advice | camt.054 before the collective booking, with Raiffeisen Business Banking — activated by your adviser |
| MT940 · MT942 | Delivered over EBICS, concatenated on 2.5 |
| Bank documents | PDF, in a ZIP |
| Interfaces offered | EBICS, pain.001/pain.002 and Open Banking APIs |
| QR-bill | Structured addresses since 22 Nov 2025 · QR reference only with a QR-IBAN · SCOR (ISO 11649) for international |
| Debtor agent | Not published |
| Batch booking | Not published |
| Charge bearer | Not published |
| Structured addresses in pain.001 | Not published |
| End of MT940 / MT942 | 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 on SEPA payments · SHAR on all others |
| Batch booking | False |
| Debtor BIC | Not 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 Raiffeisen Switzerland's EBICS Host ID and URL?
- Raiffeisen does not publish them. The further set-up data for an EBICS access is on the bank parameter sheet, which your Raiffeisen bank sends when the contract is concluded, together with your EBICS keys and access information.
- Which EBICS versions does Raiffeisen support?
- EBICS 3.x, the current version, and EBICS 2.5. Raiffeisen recommends EBICS 3.0 for new contracts; existing contracts do not have to be changed. The transition period ends on 13 November 2026, after which EBICS 2.5 is no longer supported and payments and account information in the old format are no longer processed.
- How does the distributed signature work at Raiffeisen?
- Your system submits the payment with the transport signature T, which cannot approve or release. Your Raiffeisen bank checks it and parks it in the VEU folder. Users approve with A or B, or release directly with the single signature E; A and B together form a collective signature. Raiffeisen checks the release and executes the payment, and the confirmation appears in your software and in Raiffeisen Business Banking.
- Which order types does Raiffeisen use for EBICS 3.0?
- Payments upload as BTU MCT/CH/pain.001. Downloads are BTD: PSR/CH/pain.002 (also with option XUPD for reports from processing), STM/CH/camt.052, EOP/CH/camt.053, REP/CH/camt.054 (also with option XDDD for LSV credits) and DAR/CH for PDF documents, all in a ZIP, plus EOP/DE/mt940 and STM/DE/mt942. The EBICS 2.5 equivalents are XE2, Z01, ZZA, Z52, Z53, Z54, ZS2, ZDF, STA and VMK.
- What are Raiffeisen's payment cut-off times for EBICS?
- Raiffeisen's cut-off factsheet gives 15:00 CET for the Raiffeisen Business Banking / EBICS / Swift channel, for single and collective payments alike. CHF, EUR, DKK, GBP, NOK, SEK, CAD, USD, RON, MXN and PLN are due on the value date; CZK, HUF, AUD, HKD, NZD, THB, TRY and ZAR one bank working day before; JPY and SGD two. Orders after the cut-off are executed on the next possible bank working day.
- What does EBICS cost at Raiffeisen?
- The EBICS standard is free of charge; the usual account and payment prices of your Raiffeisen bank apply. The Payments module of Raiffeisen Business Banking is free, Multibanking over EBICS for up to 10 banks costs CHF 10 a month and Cash Management CHF 40 a month.
- What changes at Raiffeisen in November 2026?
- On 13 November 2026 the transition periods for EBICS 3.0 and ISO 20022 version 2019 end. EBICS 2.5 and version 2009 are no longer supported from that date. Raiffeisen asks EBICS users to move to EBICS 3.0 first and then to version 2019, and to agree the camt switch date with their corporate client adviser.
- Can I connect my ERP to Raiffeisen Switzerland?
- 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
EBICS 2.5 and ISO 20022 version 2009 end. Payments and account information in the old formats are no longer processed. Our engine already produces pain.001.001.09 for Raiffeisen.
Last submission of LSV+/BDD direct debits, until 14:00. The last processing date is 29 September 2028; later collections are rejected.
LSV+ and BDD are discontinued. Direct debits with and without right of objection are no longer possible.
If all of this looks like a lot · it does not have to be
Five steps to a live Raiffeisen 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 Raiffeisen
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 Raiffeisen 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 Raiffeisen will check. You sign it by hand and send it.
- 4
Verify Raiffeisen 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 Raiffeisen
Payments go out as pain.001 and statements come back as camt. The connection runs unattended from here.
Sources — Raiffeisen Switzerland’s EBICS page, its EBICS order types and BTF sheet, its EBICS, ISO 20022 and LSV+/BDD change pages, its cut-off factsheet, its Raiffeisen Business Banking page and product sheet, its camt.054 collective-booking sheet, its QR-bill page, its interfaces and standards page, its legal and imprint page and its organisation page; the bank’s entries in the Swiss UID register, in GLEIF and in FINMA’s list of authorised banks. BankConnector is not affiliated with Raiffeisen Schweiz Genossenschaft.