EBICS with Banque Cantonale Vaudoise: your BCV transactions in your accounting every morning
Banque Cantonale Vaudoise offers EBICS access to its business customers, and YESbusiness connects to it directly: nobody between your bank and your accounting. Every morning, yesterday's statement of your BCV account arrives on its own and your entries are prepared for you. Here is how to activate it, what you get and what it does not do.
Banque Cantonale Vaudoise in a few words
Banque Cantonale Vaudoise is the reference bank of the canton of Vaud and one of the largest cantonal banks in the country; a large share of Vaud's SMEs and freelancers keep their accounts there. EBICS access is part of its business offering and is requested from your adviser or the corporate e-banking support.
EBICS at BCV: what the bank publishes
What BCV says about its EBICS offer on its own pages. Terms can change: your advisor has the last word.
- BCV's EBICS offer is called BCV-connect EBICS.
- EBICS 2.5 (H004) and 3.0 (H005) are available.
- BCV clients use EBICS free of charge.
- Statements available: camt.052 and camt.053, MT940, camt.054 notifications and account documents as PDF.
- For EBICS 3.0, keys must be at least 2048 bits, and BCV's public keys are fetched as a certificate (HPB).
- BCV-net clients can ask about it through BCV-net's secure messaging.
Sources: BCV's own pages, read on 16 October 2026: BCV-connect · BCV-connect product sheet (PDF) · BCV-connect technical sheet (PDF)
Connecting BCV to YESbusiness: the five steps
Two steps depend on you, one on YESbusiness, two on Banque Cantonale Vaudoise. Allow a few minutes on your side and a few business days on the bank's.
- 1Ask Banque Cantonale Vaudoise for EBICS. Through your adviser or the corporate e-banking desk. The bank opens the access on your contract and gives you a customer number (Customer ID or Partner ID) and a user identifier (User ID).
- 2Pick BCV in YESbusiness and enter the two identifiers. YESbusiness generates the keys of your connection, registers them with Banque Cantonale Vaudoise's EBICS server and opens the initialization letter, which carries the fingerprints of your public keys.
- 3Print, sign and send the letter to Banque Cantonale Vaudoise. Your signature is what authorizes the bank to activate the access. The letter contains no secret: only the fingerprints the bank compares with what it received electronically.
- 4Banque Cantonale Vaudoise checks and activates the access. Usually within a few business days. On activation, YESbusiness fetches the bank's public keys, verifies their fingerprints and runs the first download.
- 5Your BCV accounts are connected. The bank sends the IBANs covered by the access; you link each one to a cash account. From there, every morning, yesterday's statement arrives and is booked with your rules.
Nobody between BCV and your accounting
YESbusiness carries its own EBICS client. It generates your keys, announces itself to Banque Cantonale Vaudoise's EBICS server, verifies the bank's keys and downloads your statements itself. Your data travels from BCV's server to YESbusiness's server, encrypted end to end, with no aggregation platform and no robot on your e-banking.
Your BCV e-banking username and password are never asked for. EBICS rests on keys generated for your connection and on a signed letter Banque Cantonale Vaudoise verifies.
What to know before signing the letter
- Read-only. YESbusiness reads your BCV statements; it sends no payment order. Your transfers continue to be made in Banque Cantonale Vaudoise's e-banking.
- Daily, not real time. The channel delivers the end-of-day statement (camt.053) of the previous business day. A movement from this morning appears tomorrow morning.
- Banque Cantonale Vaudoise opens the channel. EBICS is requested from the bank, not from YESbusiness. Most Swiss banks open it free of charge for business customers; a few charge for it. Ask your BCV adviser.
- A few days to activate. Between sending the signed letter and Banque Cantonale Vaudoise's activation, allow a few business days. In the meantime, the camt.053 file downloaded from BCV e-banking can be imported by hand.
Frequently asked questions about EBICS with BCV
Does Banque Cantonale Vaudoise offer EBICS?
Yes, to its business customers. It is a service the bank opens on your contract; ask your adviser or BCV's corporate e-banking desk.
How much does EBICS cost at BCV?
On the YESbusiness side, nothing beyond the subscription: the connection is included. On the bank side, EBICS is usually free in Switzerland; a few banks charge a setup fee or a flat rate. One call to your BCV adviser is enough to find out.
Do I have to give YESbusiness my BCV e-banking login?
Never. EBICS works with a dedicated access Banque Cantonale Vaudoise opens in your name and keys generated for your connection, not with your e-banking login.
Can I pay my BCV invoices from YESbusiness?
No. YESbusiness uses EBICS read-only: it fetches your statements, it sends no payment orders. Your transfers stay in Banque Cantonale Vaudoise's e-banking.
I have several accounts at BCV, or other banks?
One BCV EBICS connection can cover several accounts at the bank; each IBAN is linked to a cash account. Every other bank has its own EBICS connection, and a company can have as many as it has banks.
Other banks
YESbusiness is Swiss accounting, the EBICS connection to Banque Cantonale Vaudoise and VAT returns from CHF 12.90 per month. Two-week free trial.
Try YESbusiness with BCV