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

import { IconCardsGrid } from "../../../../src/components/ColumnsCards";

# Bank connections

This page provides an overview of all routes to the bank in 365 business Banking: PSD2/XS2A via finAPI, EBICS, camt/pain files, payment service providers and combinations.

Every bank account uses one route to retrieve transactions (**Account Information Service**) and one for payments (**Payment Initiation Service**). For help choosing the right route, see [Choose a bank connection](../concepts/choose-bank-connection.mdx). Every account is connected with the same wizard: [Connect a bank account](connect-bank-account.mdx).

## Connections

<IconCardsGrid
  items={[
    {
      href: "/en-us/365-business-banking/connections/psd2/index",
      iconClass: "fa-duotone fa-thin fa-building-columns",
      eyebrow: "Online banking",
      title: "PSD2/XS2A via finAPI",
    },
    {
      href: "/en-us/365-business-banking/connections/ebics/index",
      iconClass: "fa-duotone fa-thin fa-key",
      eyebrow: "Corporate customers",
      title: "EBICS",
    },
    {
      href: "/en-us/365-business-banking/connections/iso20022-file/index",
      iconClass: "fa-duotone fa-thin fa-file-code",
      eyebrow: "No connection",
      title: "camt/pain file",
    },
    {
      href: "/en-us/365-business-banking/payment-services/universal",
      iconClass: "fa-duotone fa-thin fa-file-csv",
      eyebrow: "CSV file",
      title: "Universal",
    },
    {
      href: "/en-us/365-business-banking/payment-services",
      iconClass: "fa-duotone fa-thin fa-credit-card",
      eyebrow: "PayPal, Stripe, Adyen and more",
      title: "Payment service providers",
    },
    {
      href: "/en-us/365-business-banking/connections/mixed-operation",
      iconClass: "fa-duotone fa-thin fa-arrows-left-right",
      eyebrow: "Mixed operation",
      title: "Combine banking services",
    },
  ]}
/>

<Callout type="info" title="SWIFT via Cobase from version 18.5">
From version 18.5, 365 business Banking also connects bank accounts via SWIFT. The provider is Cobase; bank statements and payments outside the SEPA area are supported. For more information, see [SWIFT payments via Cobase](../features/details/swift-payments.mdx).
</Callout>

## Functions per connection

| | PSD2/XS2A via finAPI | EBICS | camt/pain file | Payment service providers |
|---|---|---|---|---|
| Bank statements | retrieval | retrieval | import | retrieval |
| SEPA credit transfer | yes | yes | yes | not available |
| SEPA instant credit transfer | depends on bank | depends on bank | no | not available |
| SEPA collective credit transfer | depends on bank | yes | yes | not available |
| SEPA direct debit | depends on bank | yes | yes | collection with PayPal, Stripe, Adyen |
| Standing order | yes | no | no | not available |
| International payment | no | if your bank offers the order (AXZ/XCT) | yes | not available |
| Euro urgent credit transfer | no | if your bank offers the order (CCU/XCT-URG) | no | not available |
| Payment in the background | no | yes | no | yes (collection) |
| Feedback from the bank | bank statement | status report | bank statement | not available |
| Second signature at the bank | no | VEU | via online banking | not available |
| Additional license | none | *EBICS Connection* | none | none |

The functions that your bank allows for a given account are shown after connecting in the [Capabilities](../bank-accounts/capabilities.mdx) FactBox.

## For all connections

- [Connect a bank account](connect-bank-account.mdx) for the shared wizard
- [Combine banking services](mixed-operation.mdx) for retrieving and paying via different routes
- [One bank access for several companies](multi-company.mdx) for distributing a group's accounts
- [Banking setup](../setup/banking-setup.mdx) for the company bank access that every connection requires

## See also

- [Fundamentals](../concepts/index.mdx)
- [Bank account card](../bank-accounts/bank-account-card.mdx)
- [Security and data protection](../concepts/security.mdx)