import { Callout } from "zudoku/ui/Callout";

# Connect a bank account via EBICS

This page describes how to connect a bank account via EBICS in 365 business Banking, from a configured EBICS participant to the first bank statement.

**Applies to:** EBICS

## Prerequisites

- An [EBICS participant](participant.mdx) with the status **Ready**.
- The bank account is included in your EBICS contract.

## Step by step

1. Choose the **Search** icon, enter **Bank Accounts** and choose the **Connect Bank Accounts** action. The **Connect Bank Account** wizard opens.
2. Choose **Next**.
3. **Choose your banking provider**: set **Provider** to *SEPA Bank Account (EBICS)* and choose **Next**.

   ![The Banking Provider Selection list in the Connect Bank Account wizard, among others with SEPA Bank Account (EBICS)](/assets/images/365-business-banking/connections/assistent-kontoverbindung-liste-camt-pain-universal.en-US.png)

4. The **EBICS Participants** list opens. Choose the participant whose accounts you want to connect. If exactly one participant has the status **Ready**, this selection is skipped.
5. **Select your bank accounts**: Business Central asks your bank which accounts this participant may use and lists them. Clear the check mark for accounts that you do not want to take over.
6. Choose **Next**. The summary announces how many bank accounts are connected: "When you choose Finish, … bank accounts are connected over EBICS participant …."
7. Choose **Finish**.

![The EBICS Participants list in the Connect Bank Account wizard with two participants in the status Ready, SPKMUSTER and VBMUSTER](/assets/images/365-business-banking/ebics/wizard-participant.en-US.png)

![The step Select your bank accounts with three accounts the bank reported for the participant; two are already connected, the third is marked to connect](/assets/images/365-business-banking/ebics/wizard-accounts.en-US.png)

## What you see afterwards

On the **Bank Account Card**:

- **Account Information Service** and **Payment Initiation Service** = *SEPA Bank Account (EBICS)*.
- **EBICS Participant**: the participant whose keys reach this account.
- FastTab **Banking Interfaces**: **Statements read over** and **Payments sent over** both show *EBICS*.
- **Capabilities** FactBox: the functions that your bank allows this participant for the account. See [Bank account capabilities](../../bank-accounts/capabilities.mdx).
- The participant's image, see [Image](participant.mdx#image).

![The Banking Interfaces FastTab on the bank account card, both lines on EBICS](/assets/images/365-business-banking/bank-accounts/banking-interfaces.en-US.png)

<Callout type="caution" title="The account depends on the participant">
If you suspend the participant with **Suspend Access (SPR)**, no bank account connected through it can be used either, until you have set up a new participant and your bank has activated it.
</Callout>

## Connect more accounts later

The list of accounts is requested again from your bank on **every** run. If your bank has added an account to the contract, start the wizard again. The new account is offered, and accounts already connected are **not** created twice.

Without the wizard, choose **Get Additional Bank Accounts** on an account of the EBICS participant, in the **Bank Accounts** list or on the bank account card. The page only shows the accounts that do not exist in Business Central yet. **Get Bank Accounts** takes over changed permissions and the current balance for every account of the participant. Both actions are described in [Get bank accounts and get additional bank accounts](../../bank-accounts/bank-account-card.mdx#get-bank-accounts-and-get-additional-bank-accounts).

If no account is found, Business Central shows a corresponding message. In this case, contact your bank to clarify the activation of the expected accounts.

A bank account that is already connected, for example one connected via finAPI, is switched to EBICS with **Change Banking Services** instead. See [Combine banking services](../mixed-operation.mdx).

## Troubleshooting

| Message or symptom | Cause and remedy |
|---|---|
| *SEPA Bank Account (EBICS)* is not offered | The *EBICS Connection* license is missing. |
| The participant you want is missing from the selection | Its initialization is not complete. Check the status, see [Set up an EBICS participant](participant.mdx). |
| "No EBICS participant has been released by its bank yet. Do you want to set one up now?" | No participant has the status **Ready**. Choosing **Yes** opens the **EBICS Participants** list. Complete the initialization, see [Set up an EBICS participant](participant.mdx). |
| "Your bank named no accounts for EBICS participant …, so there is nothing to connect. …" | The bank has not yet activated the participant for any account. Clarify the activation with your bank. |
| "Bank account … is not connected to an EBICS participant." | Assign a participant via **Change Banking Services**. |

## See also

- [Bank statements via EBICS](statements.mdx)
- [Payments via EBICS](payments.mdx)
- [Connect a bank account](../connect-bank-account.mdx)
- [Bank account card](../../bank-accounts/bank-account-card.mdx)