Germany · Sparkasse Heidelberg · EBICS
Connect Sparkasse Heidelberg without learning EBICS.
An order-type schedule with 3.0 BTF parameters, payee verification by order type, and EBICS from 19,90 EUR a month. We handle the payments, the statements and every protocol step underneath.
Payee verification, by order type
CTV SCT / — / VOI / pain.001 Send CIV SCI / — / VOI / pain.001 Send CCT SCT / — / VOO / pain.001 Send CIP SCI / — / VOO / pain.001 Send VPZ REP / DE / VOP / pain.002 / ZIP Download
Published by the bank
The bank's imprint, price list and 2021 disclosure report, plus GLEIF.
Bank details
| BIC | SOLADES1HDB |
| Bank code | 672 500 20 |
| Legal name | Sparkasse Heidelberg, Anstalt des öffentlichen Rechts |
| Registered office | Europaplatz 6-9, 69115 Heidelberg |
| Register · LEI | HRA 332863, Amtsgericht Mannheim · 529900NAPLQYW9153R51 |
| VAT ID | DE 143296386 |
| Träger | The towns of Eppelheim, Heidelberg, Hockenheim, Leimen, Neckargemünd, Rauenberg, Schönau, Schwetzingen, Walldorf and Wiesloch, and the municipalities of Altlußheim, Bammental, Brühl, Dielheim, Gaiberg, Heddesbach, Heiligkreuzsteinach, Ketsch, Lobbach, Malsch, Mauer, Meckesheim, Mühlhausen, Neulußheim, Nußloch, Oftersheim, Plankstadt, Reilingen, Sandhausen, St. Leon-Rot, Wiesenbach and Wilhelmsfeld |
| Supervision | European Central Bank · BaFin |
Published by the bank
The bank's conditions for remote data transmission, EBICS page and payee-verification page.
Access data
| EBICS address | Not published |
| Host ID | Not published |
| EBICS versions | Not published — the schedule carries 2.5 order types and 3.0 BTF |
| Bank key hashes | Not published |
| Issued at contract | URL or IP address · Host ID · permitted EBICS and security versions · Partner ID (Kunden-ID) · User ID · System ID for technical subscribers |
| Contract | Agreement on electronic account management (ELKO) |
| Bank-key verification | Hash values over a second, separately agreed channel |
| Signature classes | E single · A first · B second · T transport |
| Distributed signature | VEU — required to release or cancel a file with payee verification |
| Security medium | S-Finanzcockpit app, or chip card with PIN |
| Browser access | Online-Banking Business Pro |
| File records | Kept by the customer for at least 30 calendar days after execution date |
| Blocking | 116 116, free of charge |
Published by the bank
The order-type schedule the bank publishes, dated 16 September 2025, valid from 5 October 2025.
Order types published by Sparkasse Heidelberg
| 2.5 | What it does | Dir | Message | Service | Scope | Option | Container |
|---|---|---|---|---|---|---|---|
| CCT | SEPA credit transfer, payee check opt-out | Send | pain.001 | SCT | — | VOO | — |
| CTV | SEPA credit transfer, payee check opt-in | Send | pain.001 | SCT | — | VOI | — |
| CCC | SEPA credit transfer, XML container, opt-out | Send | pain.001 | SCT | DE | VOO | XML |
| XCT | SEPA credit transfer, wages and salary | Send | pain.001 | SCT | BIL | — | — |
| CIP | Instant credit transfer, payee check opt-out | Send | pain.001 | SCI | — | VOO | — |
| CIV | Instant credit transfer, payee check opt-in | Send | pain.001 | SCI | — | VOI | — |
| CCU | Euro urgent transfer | Send | pain.001 | XCT | DE | URG | — |
| AXZ | Foreign credit transfer, pain.001 | Send | pain.001 | XCT | DE | — | — |
| AZV | Foreign credit transfer, DTAZV — replaced by AXZ from Nov 2026 | Send | dtazv | XCT | DE | — | — |
| RFT | Request for transfer, MT101 relay | Send | mt101 | RFT | — | — | — |
| CDD | SEPA core direct debit | Send | pain.008 | SDD | — | COR | — |
| CDC | SEPA core direct debit, XML container | Send | pain.008 | SDD | DE | COR | XML |
| CDB | SEPA B2B direct debit | Send | pain.008 | SDD | — | B2B | — |
| C2C | SEPA B2B direct debit, XML container | Send | pain.008 | SDD | DE | B2B | XML |
| C55 | SEPA payment recall, credit transfers and direct debits | Send | camt.055 | SCT · SDD | DE | — | — |
| C07 | SEPA direct debit reversal | Send | pain.007 | SDD | — | — | — |
| CC7 | SEPA direct debit reversal, XML container | Send | pain.007 | SDD | DE | — | XML |
| 2.5 | What it does | Dir | Message | Service | Scope | Option | Container |
|---|---|---|---|---|---|---|---|
| C53 | End-of-day account statement | Download | camt.053 | EOP | DE | — | ZIP |
| STA | End-of-day statement, SWIFT MT940 — off since 23 Nov 2025 | Download | mt940 | EOP | DE | — | — |
| C52 | Intraday transactions, not yet booked | Download | camt.052 | STM | DE | — | ZIP |
| VMK | Intraday transactions, SWIFT MT942 — off since 23 Nov 2025 | Download | mt942 | STM | DE | — | — |
| C54 | Debit and credit notification | Download | camt.054 | STM | DE | — | ZIP |
| C5N | Credit advice for instant transfers | Download | camt.054 | STM | DE | SCI | ZIP |
| CRZ | Payment status report, credit transfers | Download | pain.002 | REP | DE | SCT | ZIP |
| CIZ | Payment status report, instant transfers | Download | pain.002 | REP | DE | SCI | ZIP |
| CDZ | Payment status report, direct debits | Download | pain.002 | REP | DE | SDD | ZIP |
| VPZ | Payee verification status report | Download | pain.002 | REP | DE | VOP | ZIP |
| C29 | Result of a SEPA payment recall | Download | camt.029 | REP | DE | — | ZIP |
| BKA | Account statement as a signed PDF | Download | EOP | DE | — | ZIP | |
| DKI | Foreign-exchange rates in euro | Download | misc | OTH | BIL | 0DKI | — |
| WSS | Session data for real-time notifications, JSON | Download | wssparam | OTH | DE | — | — |
Ten more cover foreign-exchange trade confirmations, export and import documentary credits, and GeldKarte transaction data.
Four more release SEPA payments submitted by a service data centre, inside the distributed signature.
The rest are key management and protocol housekeeping. You never see one — we run them during setup and afterwards.
Opting out of payee verification is for batches with more than one transaction. Until further notice, a batch with a single transaction may also go out under CCT or CIP. An opt-in file is released or cancelled as a whole through the distributed signature once its VPZ report is available; releasing single payments inside it is not possible. Many order types need a separate contract, depending on the account.
Published by the bank
The bank's price and services list, September 2026, and payee-verification page.
Cut-off times and business days
| Remote data transmission | Not published |
| Telephone banking | Not published |
| Online-Banking · FinTS · self-service terminal | Booking cut of the business day of submission |
| Branches | End of opening hours at each branch |
| Instant credit transfer | Cut-off does not apply — every calendar day is a business day |
| Instant credit transfer, not completed in 10 seconds | Amount credited back to the account automatically |
| Business days | Every working day except Saturdays, 24 and 31 December and public holidays in Baden-Württemberg |
| Maintenance windows | No business operation — announced over the agreed access channel |
| SEPA core direct debit lodgement | 28 calendar days to 2 business days before due date, by 15:00 |
| SEPA B2B direct debit lodgement | 28 calendar days to 2 business days before due date, by 15:00 |
A cut-off is the point from which an order counts as received on the next business day. It does not apply where an instant credit transfer is authorised.
Published by the bank
The bank's price and services list, September 2026, its EBICS page and real-time notification page.
What the bank charges
| EBICS administration and support, 1–10 accounts | 19,90 EUR per month plus VAT |
| EBICS administration and support, 11–50 accounts | 34,90 EUR per month plus VAT |
| EBICS administration and support, 51–100 accounts | 54,90 EUR per month plus VAT |
| EBICS administration and support, over 100 accounts | 84,90 EUR per month plus VAT |
| Set up a Kunden-ID | 50,00 EUR plus VAT |
| Set up an additional Kunden-ID | 50,00 EUR plus VAT |
| Set up or change a Teilnehmer-ID, per request | 10,00 EUR plus VAT |
| Set up or change an account, per request | 10,00 EUR plus VAT |
| Set up or change order types | Free |
| Credit transfers and direct debits via EBICS | Booking price of the account model |
| Status report for an instant-transfer batch, per message | 0,00 EUR |
| Real-time notification for instant credits | 9,99 EUR |
Published by the bank
The bank's format withdrawal page and payee-verification page.
Formats
| SEPA credit transfer | pain.001.001.09 — pain.001.001.03 withdrawn Nov 2026 |
| SEPA direct debit | pain.008.001.08 — pain.008.001.02 withdrawn Nov 2026 |
| Payment status report | pain.002.001.10 — pain.002.001.03 withdrawn Nov 2026 |
| SEPA format versions | 3.7 and higher — 3.0 to 3.6 withdrawn Nov 2026 |
| Foreign payment | pain.001.001.09_AXZ_GBIC_4 and higher — replaces DTAZV, Nov 2026 |
| Euro urgent transfer | pain.001.001.09_CCU_GBIC_4 and higher — Nov 2026 |
| Addresses | Structured or hybrid — unstructured rejected from Nov 2026 |
| Address minimum | Town name and country |
| Hybrid address | At most two AdrLine fields |
| Statements | camt version 08 only — MT940, MT942 and camt version 02 off since 23 Nov 2025 |
| Payee verification | Credit transfers, instant, batch, standing and scheduled orders, from 5 Oct 2025 |
| Outside payee verification | Euro urgent transfers · foreign payments · savings accounts |
| Instant credit transfer limit | No amount ceiling — agreed EBICS limits remain |
BankConnector
What is built and shipped for this bank today.
What our engine produces
| Payment format | pain.001.001.03 |
| Also produced | pain.001.001.09 — live for other banks today |
| Rulebook | German DK Anlage 3 v3.9 / 2025-03 |
| Charge bearer | SLEV |
| 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, pain.002 — one normalised format |
| Not supported | Direct debits |
Published by the bank
Dates the bank has announced. What we do about each one is ours.
Upcoming events in our register
- Not published
Savings banks on this platform replace their EBICS bank keys, and yearly after. Sparkasse Heidelberg publishes neither a date nor the new hash values. Each institute sets its own date.
SEPA format versions 3.0 to 3.6 are withdrawn: credit transfers move to pain.001.001.09, direct debits to pain.008.001.08, status reports to pain.002.001.10. AXZ replaces DTAZV for foreign payments, euro urgent transfers move to pain.001.001.09_CCU_GBIC_4, and orders carrying unstructured addresses are rejected. Our engine emits pain.001.001.09 today, canonical input 1.1 takes addresses as separate fields, and we have never produced DTAZV.
If all of this looks like a lot · it does not have to be
Five steps to a live Sparkasse Heidelberg 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 Sparkasse Heidelberg
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 Sparkasse Heidelberg 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 Sparkasse Heidelberg will check. You sign it by hand and send it.
- 4
Verify Sparkasse Heidelberg 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 Sparkasse Heidelberg
Payments go out as pain.001 and statements come back as camt. The connection runs unattended from here.
Sources — the bank’s EBICS page, its EBICS order-type schedule dated 16 September 2025, its conditions for remote data transmission (July 2025 version, in force from 5 October 2025), its price and services list dated September 2026, its format withdrawal page, its payee-verification page, its real-time notification page, its imprint and 2021 disclosure report, the GLEIF record, and the EBICS specifications published by Die Deutsche Kreditwirtschaft. BankConnector is not affiliated with Sparkasse Heidelberg.
How BankConnector handles the November 2026 pain.001.001.09 migration for Sparkasse Heidelberg →