"Electronic Banking Internet Communication Standard" (EBICS) is a standardized, freely available Internet-based communication protocol for the transmission of files. The standard includes a multi-level security concept that safeguards the security of the transmitted data. It also ensures the traceability of all accesses and transfers.
In addition to its use for data transmission between corporate customers and financial institutions, EBICS is increasingly being used in the interbank area, by financial service providers and service bureaus. In addition to its widespread use in payments (payment orders, account statements, etc.), EBICS is also increasingly being used for securities and for the transmission of documents (pdf) and master data.
To maintain the standard, the German and French banking industries established the EBICS SC company. The Swiss financial services sector and the Austrian banking sector have since joined the company as well. However, the use of EBICS is spreading beyond these four countries into large parts of Europe.