Switzerland · St.Galler Kantonalbank · EBICS
Connect SGKB without learning EBICS.
EBICS on Host ID SGKB, signature A006, bank key hashes on a published parameter sheet, free of charge, with payment approval in the free VEU App. 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
SGKB
EBICS 2.5
H004
EBICS 3.0
H005
Answered in
0.40 s
Published by the bank
The bank's imprint, portrait, state-guarantee and QR-bill pages, its articles of association and 2025 annual report; the Swiss UID register, GLEIF and FINMA.
Bank details
| BIC | KBSGCH22 · KBSGCH22XXX for worldwide transactions |
| Clearing number | 781 |
| QR-IID | 30781 |
| Legal name | St.Galler Kantonalbank AG |
| Registered translations | Banca Cantonale di San Gallo SA · Banque Cantonale de St-Gall SA · Cantonal Bank of Saint Gall Ltd |
| Legal form | Company limited by shares (Aktiengesellschaft) under Art. 620 ff. of the Code of Obligations, in particular Art. 762 |
| Registered office | St. Leonhardstrasse 25, 9001 St. Gallen |
| UID | CHE-105.845.146 |
| Commercial register | CH-320.8.000.310-5, Canton of St. Gallen |
| LEI | 549300GFRG6OK00RG957 |
| Founded | 1868, as St.Gallische Kantonalbank |
| Listing | SIX Swiss Exchange since 2 April 2001 · ISIN CH0011484067 |
| Share capital | CHF 479,493,280 · 5,993,666 registered shares of CHF 80 nominal |
| Majority owner | Canton of St. Gallen — 51.0% of the share capital with voting rights, 31 December 2025 |
| State guarantee | The Canton of St. Gallen is liable by law (Art. 6 Cantonal Bank Act) for all liabilities of St.Galler Kantonalbank AG insofar as its own funds are insufficient — not for share capital, subordinated loans or St.Galler Kantonalbank Deutschland AG |
| Supervision | FINMA — authorised bank, supervisory category 3 |
| Subsidiary | St.Galler Kantonalbank Deutschland AG, Munich — wholly owned, investment business only |
Checked live
Measured against the live host, at the address and Host ID on the bank's connection-parameter sheet.
Access data
| EBICS address | https://ebics.sgkb.ch/ |
| Host ID | SGKB |
| Port | 443 |
| Protocol versions | H004 (02.50) and H005 (03.00) |
Published by the bank
The bank's EBICS connection-parameter sheet, its SGKB EBICS and VEU pages, its EBICS factsheet, its VEU App installation guide and its conditions for electronic services.
Keys, signatures and the agreement
| Service | SGKB EBICS — free of charge · payment prices and conditions apply |
| Agreement | Not published |
| Requirements | EBICS-capable software · an account with St.Galler Kantonalbank · internet access |
| Ordering | Through the E-Banking Help Line, once your software is EBICS-capable |
| EBICS version, parameter sheet | 3.0 (schema version H005) |
| Subscriber ID and customer ID | Sent in a separate letter |
| Authentication key | X002 |
| Encryption key | E002 |
| Electronic signature | A006 |
| Key length | Not published |
| Bank key hashes | Published on the parameter sheet for X002 and E002 |
| Initialisation letter, VEU App guide | Printed after initialisation, legally signed according to your signing rules and returned to SGKB in the reply envelope |
| Activation, VEU App guide | SGKB reports as soon as the access is released — about three working days |
| Bank key check, VEU App guide | Bank keys compared with the details in SGKB's licence-code letter |
| Distributed signature | VEU supported · free VEU App for Android and iOS |
| VEU App | A payment can only be accepted or cancelled — not changed |
| Collective payments | Only the whole payment file can be released or cancelled — not a single payment in it |
| Cancelled payment | The submitter is notified and must submit a new payment file via EBICS |
| Terms | Conditions for electronic services, version 11.2025 |
| Unused access | SGKB may close an access unused for 18 consecutive months, without notice |
| E-Banking Help Line | 0844 88 44 88 · info@sgkb.ch · Monday to Friday, 07:30 to 17:30 |
| Class | Authorisation | What it allows |
|---|---|---|
| T | Transport signature | Transmitting payment orders only — no initialling or releasing |
| E | Individual signature | A natural person transmits and releases payment orders alone |
| A & B | Collective signature | Four-eyes release in the VEU App — one person either initials or releases, never both |
| E, A, B | Combination | E releases payments initialled by A or B, or releases at once without initialling |
Published by the bank
The bank's EBICS connection-parameter sheet.
Order types published by SGKB
| Service | What it does | Dir | Scope | Option | Container | Message | Version |
|---|---|---|---|---|---|---|---|
| MCT | Payment submission (CH) | BTU | CH | — | — | pain.001 | 09 |
| PSR | Payment status report | BTD | CH | — | ZIP | pain.002 | 10 |
| DAR | E-documents | BTD | CH | — | ZIP | documents | — |
| STM | Intraday account statement | BTD | CH | — | ZIP | camt.052 | 08 |
| EOP | Account statement | BTD | CH | — | ZIP | camt.053 | 08 |
| REP | Credits (QRR / SCOR) | BTD | CH | — | ZIP | camt.054 | 08 |
| EOP | Account statement, SWIFT | BTD | DE | 0ZB2 | — | mt940 | — |
| FXC | Foreign exchange trades | BTD | GLB | — | — | mt300 | — |
| FXC | Money market and fiduciary trades, time | BTD | GLB | — | — | mt320 | — |
| FXC | Money market and fiduciary trades, call | BTD | GLB | — | — | mt330 | — |
| FXC | Interest payments, money market and fiduciary trades | BTD | GLB | — | — | mt350 | — |
| STR | Stock exchange contract note | BTD | GLB | — | — | mt515 | — |
| SSM | Custody account statement | BTD | GLB | — | — | mt535 | — |
| SSM | Custody account transactions | BTD | GLB | — | — | mt536 | — |
| SEV | Corporate actions | BTD | GLB | — | — | mt566 | — |
The EBICS 3.0 BTFs on the parameter sheet. Payments upload as BTU and everything else downloads as BTD. pain.002, camt and e-documents come in a ZIP; the SWIFT statement runs on scope DE with service option 0ZB2, and the treasury and securities messages on scope GLB.
The distributed-signature order types: order status, transaction details, overview, signature folder with additional information, adding a signature and cancelling one.
The administration order types: customer protocol, available order types, customer and subscriber data, the bank’s public keys and parameters, key submission and key changes. You never see one — we run them during setup and afterwards.
| EBICS 2.5 order types | Not published |
Published by the bank
The bank's special conditions for SEPA transactions and its price list (valid from 1 July 2026).
Cut-off times and execution
| Cut-off for EBICS orders | Not published |
| After the cut-off, SEPA conditions | As a rule executed on the next bank working day |
| Weekend or holiday date, SEPA conditions | Credit or debit may be booked on the next bank working day |
| SEPA credit | At most 3 days after the debit |
| Collective order, SEPA conditions | Every payment must meet the conditions — otherwise the whole collective order may be rejected |
| Order prices, EBICS | Not published |
| Charge option OUR | CHF 20 surcharge |
| Incomplete order (missing IBAN, BIC) | CHF 12 |
Published by the bank
The bank's EBICS connection-parameter sheet, its camt handbook, its SGKB EBICS page and its page on paying invoices with accounting software.
Formats
| pain.001, parameter sheet | pain.001 version 09 (MCT, scope CH) |
| pain.002, parameter sheet | pain.002 version 10 (PSR, scope CH) |
| camt.052 · camt.053 · camt.054 | ISO 20022 version 2019 · handbook valid from 15 August 2025 |
| camt messages | One account per message |
| camt.054 | Credits with QR reference (QRR) or SCOR reference |
| Guideline | Swiss Payment Standards business rules and implementation guidelines |
| SWIFT statement | MT940 |
| Treasury confirmations | MT300 · MT320 · MT330 · MT350 |
| Securities | MT515 · MT535 · MT536 · MT566 |
| Bank documents | Downloadable |
| Faulty pain.001 via EBICS | Correct the payments named in the pain.002 and submit only those — never the whole file again, risk of double execution |
| Batch booking | Not published |
| Structured addresses | Not published |
| End of pain.001.001.03 | Not published |
| End of MT940 | Not published |
| ISO 20022 questions | iso20022@sgkb.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 on SEPA payments · SHAR on all others |
| 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 St.Galler Kantonalbank's EBICS Host ID and URL?
- Host ID SGKB, address https://ebics.sgkb.ch/ on port 443. SGKB publishes both on its EBICS connection-parameter sheet, together with the hash values of its X002 and E002 keys. Your subscriber ID and customer ID are sent to you in a separate letter.
- Which EBICS versions does SGKB support?
- The host answers H004 (2.5) and H005 (3.0). SGKB's connection-parameter sheet names EBICS 3.0 with schema version H005 and lists its order types as EBICS 3.0 BTFs.
- Which keys and signature does SGKB use for EBICS?
- X002 for authentication, E002 for encryption and A006 for the electronic signature. The hash values of SGKB's X002 and E002 keys are printed on its connection-parameter sheet.
- Does SGKB support the distributed electronic signature (VEU)?
- Yes. SGKB supports the VEU order types HVD, HVT, HVU, HVZ, HVE and HVS, and offers a free VEU App. Class T only transmits, E releases alone, and A and B release together under the four-eyes principle. In the app a payment can only be accepted or cancelled, and only the whole payment file, never a single payment in it.
- Which order types does SGKB use for EBICS 3.0?
- Payments upload as BTU MCT/CH/pain.001 version 09. Downloads are BTD: PSR for pain.002 version 10, STM for camt.052, EOP for camt.053 and REP for camt.054, all version 08 with scope CH in a ZIP, and DAR for e-documents. The MT940 statement is EOP with scope DE and option 0ZB2; treasury and securities messages run on scope GLB.
- What are St.Galler Kantonalbank's payment cut-off times?
- SGKB publishes no cut-off for EBICS orders. Its conditions for SEPA transactions state that a payment submitted after the cut-off is as a rule executed on the next bank working day.
- Which formats can I exchange with SGKB over EBICS?
- You send pain.001 and fetch pain.002 status reports, camt.052, camt.053 and camt.054 statements in ISO 20022 version 2019, MT940 statements, e-documents, treasury confirmations (MT300, MT320, MT330, MT350) and securities messages (MT515, MT535, MT536, MT566).
- Can I connect my ERP to St.Galler Kantonalbank?
- Yes. You send canonical JSON and BankConnector produces the pain.001.001.09 file the Swiss Payment Standards describe, 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.
If all of this looks like a lot · it does not have to be
Five steps to a live SGKB 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 SGKB
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 SGKB 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 SGKB will check. You sign it by hand and send it.
- 4
Verify SGKB 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 SGKB
Payments go out as pain.001 and statements come back as camt. The connection runs unattended from here.
Sources — St.Galler Kantonalbank’s SGKB EBICS page, its EBICS connection-parameter sheet, its EBICS factsheet, its VEU page, its VEU App installation guide, its conditions for electronic services, its camt handbook, its page on paying invoices with accounting software, its QR-bill page, its special conditions for SEPA transactions, its price list, its imprint, its portrait, its state-guarantee page, its articles of association and its 2025 annual report; the Swiss UID register, GLEIF and FINMA’s list of authorised banks. BankConnector is not affiliated with St.Galler Kantonalbank.