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

# Bank connection via camt and pain files

No outside connection: 365 business Banking reads statements as camt files and writes payments as pain files for your online banking.

**Business Central does not communicate with any bank here.** It reads the statement file that you download from your online banking and writes the payment file that you upload there. Both are ISO 20022 documents in the format that your bank offers as standard: **camt** for bank statements, **pain** for payments.

## At a glance

| | |
|---|---|
| Values in the field | account information service *Bank Account (camt File Import)*, payment initiation service *Bank Account (pain File Export)* |
| Requirement | only a bank account with an IBAN |
| Bank statements | camt.052, camt.053, camt.054 (Business Central detects the version automatically) |
| Payments | pain.001.001.03 or pain.001.001.09 |
| Direct debits | pain.008.001.02 or pain.008.001.08, SEPA scheme only |
| International payments | yes, with **Payment Scheme** *International* |
| Future-dated transfers | yes, the posting date is passed on as the execution date |
| Not possible | instant transfer, standing order, feedback from the bank, retrieval in the job queue |

## When this route is right

- **You do not want to allow automated access to your account.** With the file route, you carry out every step yourself: you see the file before uploading it, and your bank requires its usual approval for the upload.
- **Your bank offers neither PSD2 nor EBICS.** camt and pain are supported by nearly every bank.
- **International payments** for which there is no SEPA scheme.
- **As an interim solution** until an EBICS contract is in place. You switch later with **Change Banking Services**. See [Combine banking services](../mixed-operation.mdx).

You can also use the file route **only for payments** and continue to retrieve statements automatically, or the other way round.

## Prerequisites

You only need a bank account in Business Central **with the IBAN filled in**. The files identify the account by its IBAN, so it is mandatory. No EBICS participant and no credentials are required.

<Callout type="info" title="Set up the company bank access nevertheless">
Set up the [company bank access](../../setup/banking-setup.mdx) nevertheless. It is not required for the files but for verification of payee, which runs via finAPI.
</Callout>

## Next steps

1. [Set up a bank account for camt/pain files](setup.mdx)
2. [Import bank statement (camt)](import-statement.mdx)
3. [Export payment file (pain)](export-payment.mdx)

## Pros and cons

| Pros | Cons |
|---|---|
| No outside connection, no credentials | Every statement and every payment requires a manual step |
| Works with nearly any bank | No feedback from the bank; *Completed* only means "file written" |
| International payments possible | No retrieval in the background |
| Approvals take place as usual in online banking | No instant transfer, no standing order |

## See also

- [Choose a bank connection](../../concepts/choose-bank-connection.mdx)
- [International payments](../../payment-types/international-payment.mdx)
- [Combine banking services](../mixed-operation.mdx)