Germany · Volksbanken Raiffeisenbanken · EBICS
Connect a Volksbank or Raiffeisenbank without learning EBICS.
One shared EBICS gateway, Host ID MULTIVIA, on EBICS 2.5 and 3.0. Your own bank issues your IDs and sets the rest. We produce pain.001.001.09 for the whole sector.
The shared gateway, checked live
<ebicsHEVResponse xmlns="http://www.ebics.org/H000"> <SystemReturnCode> <ReturnCode>000000</ReturnCode> <ReportText>[EBICS_OK] OK</ReportText> </SystemReturnCode> <VersionNumber ProtocolVersion="H004">02.50</VersionNumber> <VersionNumber ProtocolVersion="H005">03.00</VersionNumber> </ebicsHEVResponse>
A shared gateway: the same host answers for every bank on it. Each bank issues its own Kunden-ID and Teilnehmer-ID.
Published by the sector
Atruvia, DZ BANK, the BVR and Die Deutsche Kreditwirtschaft.
The sector
| IT and platform | Atruvia AG — more than 900 customers, including all German Volksbanken and Raiffeisenbanken |
| EBICS bank system | Multivia Business — operated by Atruvia for its banks and their corporate customers |
| Central institution | DZ BANK — apex institution of the Genossenschaftliche FinanzGruppe and central bank for the cooperative banks |
| Association | BVR — Bundesverband der Deutschen Volksbanken und Raiffeisenbanken, the umbrella association of the cooperative banks |
| Cooperative banks | 646 at the end of 2025 — Volksbanken, Raiffeisenbanken, Sparda-Banken, PSD Banken and other cooperative banks |
| Format rulebook | DFÜ-Abkommen Anlage 3 — Die Deutsche Kreditwirtschaft, of which the BVR is a member |
Published by the sector
The BVR's consumer notice of 23 September 2025.
Verification of Payee
| Obligation | From 9 October 2025 at the latest — most institutions from 5 October 2025 |
| Scope | Transfers and instant transfers in euro, within the euro area first |
| Extension | All EU member states by mid-2027 |
| Opt-out | Companies, in certain cases — private customers cannot opt out |
| Results | Match · close match, with the correct name shown · no match |
| Decision | The payer decides whether to execute or cancel |
Published by member banks
As published by member banks on the Atruvia platform, e.g. Volksbank Mittelhessen eG.
Payee verification order types
| 2.5 | What it does | 3.0 BTF |
|---|---|---|
| CCT | SEPA credit transfer, payee check opt-out | SCT//VOO/pain.001/ |
| CIP | Instant credit transfer, payee check opt-out | SCI//VOO/pain.001/ |
| CTV | SEPA credit transfer, payee check opt-in | SCT//VOI/pain.001/ |
| CIV | Instant credit transfer, payee check opt-in | SCI//VOI/pain.001/ |
| VPZ | Payee verification status report, 1..n pain.002 in a ZIP | REP/DE/VOP/pain.002/ZIP |
A file holding a single transaction goes under an opt-in order type; sent under opt-out, the bank system rejects it. An opt-in file is authorised or cancelled as a whole, through the distributed signature, once its VPZ report is final.
No sector body publishes a full order-type schedule. The complete set on your connection is fixed by your EBICS agreement with your bank.
Published by member banks
Each cooperative bank is an independent institution.
What each bank sets itself
| BIC | Set by your bank |
| Bank code | Set by your bank |
| Legal name and register | Set by your bank |
| Kunden-ID · Teilnehmer-ID | Set by your bank |
| Order types in your agreement | Set by your bank |
| pain.001.001.09 switch date | Set by your bank |
| End of DTAZV · MT940 | Set by your bank |
| Statement formats | Set by your bank |
| Cut-off times | Set by your bank |
| EBICS fees | Set by your bank |
| Contract and DFÜ conditions | Set by your bank |
| Security medium | Set by your bank |
For one member bank’s own values on each of these, see the Berliner Volksbank guide.
BankConnector
What is built and shipped for the cooperative sector today.
What our engine produces
| Profile | One profile for the whole cooperative sector |
| Payment format | pain.001.001.09 |
| Rulebook | German DK Anlage 3 v3.9, shared cooperative format |
| Charge bearer | SLEV |
| Batch booking | False |
| Remittance limit | 140 characters |
| Name limit | 70 characters |
| Character set | Latin — transliterated before the bank sees it |
| Debtor BIC | No single-BIC rule — your own bank's BIC is accepted |
| Payment types built | SEPA credit transfer · SEPA instant · domestic account transfer · international |
| Read back | camt, pain.002 — one normalised format |
| Not supported | Direct debits |
If all of this looks like a lot · it does not have to be
Five steps to a live connection with your cooperative bank.
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 your cooperative bank
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 your cooperative bank 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 your cooperative bank will check. You sign it by hand and send it.
- 4
Verify your cooperative bank 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 your cooperative bank
Payments go out as pain.001 and statements come back as camt. The connection runs unattended from here.
Sources — Atruvia’s Multivia page, its facts and figures, DZ BANK’s EBICS page, its profile, the BVR’s description of its role, its results release of 10 March 2026 and its notice on payee verification, Frankfurter Volksbank’s EBICS parameters, Volksbank Mittelhessen’s payee verification notes for EBICS, the Die Deutsche Kreditwirtschaft member list and the EBICS specifications published by Die Deutsche Kreditwirtschaft. BankConnector is not affiliated with Atruvia AG, DZ BANK AG, the BVR or any cooperative bank.
How BankConnector handles the pain.001.001.09 migration, bank by bank →