Germany · Sparkasse KölnBonn · EBICS
Connect Sparkasse KölnBonn without learning EBICS.
EBICS 2.5 and 3.0 on Host ID B87-ELKO, a 19:50 cut-off, and new bank keys on 22 September 2026 with published hash values. 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>
Published by the bank
The bank's imprint, price and services list and history page, plus GLEIF.
Bank details
| BIC | COLSDE33XXX |
| Bank code | 370 501 98 |
| Legal name | Sparkasse KölnBonn, Anstalt des öffentlichen Rechts |
| Registered office | Hahnenstraße 57, 50667 Köln |
| Register · LEI | HRA 7961, Amtsgericht Köln · 5299001ADI8FLGT0GU28 |
| VAT ID | DE 122661493 |
| Formed | 2005 — Stadtsparkasse Köln and Sparkasse Bonn |
| Supervision | European Central Bank · BaFin |
Published by the bank
The bank's EBICS page, its EBICS guides and bank-key notice, plus the live host.
Access data
| EBICS address | https://rl7ebics.sparkasse-banking.de/ebicsweb/ebicsweb |
| Host ID | B87-ELKO |
| Protocol versions | H004 (02.50) and H005 (03.00) |
| Gateway | ELKO bank computer |
| Bank key hashes | Published — X001, X002, E001, E002 and both certificates |
| Bank key renewal | 22 Sep 2026, then once a year |
| Subscriber keys | A006, 2176 bits — below 2048 bits not permitted since 1 Dec 2023 |
| Signature types | Single · shared · distributed (VEU: first, second, transport) |
| Access | SFirm, Online-Banking Business Pro or other EBICS software |
| Mobile release | S-Finanzcockpit app |
| Blocking | 116 116, free of charge |
Hash values of the bank keys and certificates valid on the bank computer from 22 September 2026.
| Authentication X002 | 3A9D43126AD1AA69F4C87404A5E4A398 58F8940C0F9C2E2273CEA61F1C8CEE20 |
| Encryption E002 | B28F025E879D76D680A0C3A920E370C5 B724172A5C8070BAE610B5BBB065E71E |
| Authentication certificate | EBA6B89662DAA85765F055C296758D36 9417933B79CFA267201B0A9D1B98C5B7 |
| Encryption certificate | 059B00FBE1E61639A0F83F4CEF54F131 A3071CCFACCCDAB9F8E146480E331BCE |
| Authentication X001 | AFC66D248F0E2B5080EE319F2D56CD65C4EA6EE6 |
| Encryption E001 | 30570CB4FCBE2E7F97732DDFEE172FC2AC4DE5AF |
| Valid from | 22 September 2026 |
Published by the bank
The order-type schedule the bank publishes, dated 30 September 2025, valid from 5 October 2025.
Order types published by Sparkasse KölnBonn
| 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, payee check 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 | Send | dtazv | XCT | DE | — | — |
| 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 |
| 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, MT940 — switched off Nov 2025 | Download | mt940 | EOP | DE | — | — |
| C52 | Intraday transactions, not yet booked | Download | camt.052 | STM | DE | — | ZIP |
| VMK | Intraday transactions, MT942 — switched off 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 |
| BKA | Account statement as a signed PDF | Download | EOP | DE | — | ZIP | |
| DKI | Foreign-exchange rates in euro | Download | misc | OTH | BIL | 0DKI | — |
Four more release SEPA payments submitted by a service data centre, inside the distributed signature. VCX carries the payee check opt-in, CCX the opt-out.
Most business transactions may need a separate contract, depending on the account. Further order types are available on request. Your agreement fixes which order types you get.
Published by the bank
The bank's price and services list, 1 September 2026.
Cut-off times and business days
| Electronic Banking · EBICS bank computer | 19:50 |
| Online Banking · self-service terminals | 20:00 |
| Paper credit transfer | 16:00 |
| Instant credit transfer | No cut-off — every day of the year, round the clock |
| Same-day processing via EBICS: SEPA payments | 19:50 |
| Same-day processing via EBICS: CCU urgent transfers | 15:00 |
| Same-day processing via EBICS: foreign payments in EUR or account currency | 14:00 — later orders same day where possible |
| Same-day processing via EBICS: other foreign payments | 12:00 — later orders same day where possible |
| Business days | Every working day except Saturdays, 24 and 31 December, and nationwide and NRW public holidays |
| SEPA core direct debit lodgement | 28 calendar days to 1 business day before due date, by 09:00 |
| SEPA B2B direct debit lodgement | 28 calendar days to 1 business day before due date, by 09:00 |
A cut-off is the point from which an order counts as received on the next business day. A processing time is the point up to which an EBICS order is processed on the same business day.
Published by the bank
The bank's price and services list, 1 September 2026.
What the bank charges
| EBICS model 1, per customer | 300,00 EUR a year — first set-up of any number of accounts and subscribers included |
| EBICS model 1, set up or change a subscriber | 20,00 EUR per subscriber |
| EBICS model 1, set up or change an account | 10,00 EUR per account |
| EBICS model 2, per customer | 600,00 EUR a year — first and later set-up of any number of accounts and subscribers included |
| Electronic advice, MT942 or camt.052, per account | Free |
| Electronic statement, MT940 or camt.053, per account | Free |
| Transaction information, camt.054, per account | Free |
| SEPA credit transfer via Electronic Banking, incl. instant — Giro Business S · M · L | 0,35 · 0,25 · 0,15 EUR per item |
| Urgent transfer via EBICS as CCU order | 12,50 EUR per item |
| Business customer portal, EBICS procedure | 50,00 EUR per month, plus 5,00 EUR per month per participant from the 6th |
| Statement retrieval via service data centres | 178,50 EUR a year |
| Authorisation by fax cover sheet via service data centres | 7,50 EUR |
| SFirm 4.x EBICS maintenance contract | 214,20 EUR a year |
| SFirm 4.x Enterprise maintenance contract | 428,40 EUR a year |
Account maintenance is 11,00, 16,00 or 26,00 EUR per month per account on Giro Business S, M or L. The SFirm and service-centre prices include VAT.
Published by the bank
The bank's format withdrawal 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 or 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 — pain.001.001.03 withdrawn |
| Addresses | Structured or hybrid — unstructured rejected from Nov 2026 |
| Statements | camt version 08 only — MT940, MT942 and camt version 02 off since Nov 2025 |
| Payee verification | Credit transfers and instant credit transfers, from 5 Oct 2025 |
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
New EBICS bank keys and certificates on the bank computer, for EBICS 2.5 and 3.0. They can be fetched only from this day; until then the current keys are shown. Without fetching and confirming them, no communication with the bank computer is possible. The exchange then repeats once a year. The new hash values are in the access data above.
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, and canonical input 1.1 takes addresses as separate fields.
If all of this looks like a lot · it does not have to be
Five steps to a live Sparkasse KölnBonn 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 KölnBonn
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 KölnBonn 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 KölnBonn will check. You sign it by hand and send it.
- 4
Verify Sparkasse KölnBonn 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 KölnBonn
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 30 September 2025, its notice of new EBICS bank keys and certificates, its bank-key FAQ and SFirm guide, its A006 key update guide, its price and services list dated 1 September 2026, its format withdrawal page, its imprint and history page, the GLEIF record, and the EBICS specifications published by Die Deutsche Kreditwirtschaft. BankConnector is not affiliated with Sparkasse KölnBonn.
How BankConnector handles the November 2026 pain.001.001.09 migration for Sparkasse KölnBonn →