EBICS with PostFinance: your PostFinance transactions in your accounting every morning
PostFinance 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 PostFinance 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.
PostFinance and EBICS in short
- Type of bank
- National bank
- Presence
- All of Switzerland
- EBICS access
- Offered to business customers, opened by the bank on your contract
- What YESbusiness fetches
- Yesterday's camt.053 statement, every morning
- The bank's site
- postfinance.ch
PostFinance in a few words
PostFinance, the financial arm of Swiss Post, is one of the most common banks among Swiss freelancers, associations and small businesses, often because that is where QR-bill payments land. EBICS access is part of its business offering and is requested through the business customer area.
EBICS at PostFinance: what the bank publishes
What PostFinance says about its EBICS offer on its own pages. Terms can change: your advisor has the last word.
- At PostFinance EBICS is available in versions 3.0 and 2.5; PostFinance recommends the latest.
- Using EBICS is free of charge.
- If you are interested, contact your customer advisor.
- For download: camt.053/MT940, camt.052/MT942, camt.054, pain.002 and account documents as PDF.
- PostFinance recommends EBICS to business clients with high payment volumes or daily reconciliation; to others it offers e-finance.
- Payments can be approved in the PostFinance EBICS app (distributed electronic signature).
Sources: PostFinance's own pages, read on 16 October 2026: PostFinance – technical business channels · EBICS factsheet 479.08 (PDF) · PostFinance EBICS app
Connecting PostFinance to YESbusiness: the five steps
Two steps depend on you, one on YESbusiness, two on PostFinance. Allow a few minutes on your side and a few business days on the bank's.
- 1Ask PostFinance 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 PostFinance in YESbusiness and enter the two identifiers. YESbusiness generates the keys of your connection, registers them with PostFinance's EBICS server and opens the initialization letter, which carries the fingerprints of your public keys.
- 3Print, sign and send the letter to PostFinance. 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.
- 4PostFinance 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 PostFinance 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 PostFinance and your accounting
YESbusiness carries its own EBICS client. It generates your keys, announces itself to PostFinance's EBICS server, verifies the bank's keys and downloads your statements itself. Your data travels from PostFinance's server to YESbusiness's server, encrypted end to end, with no aggregation platform and no robot on your e-banking.
Your PostFinance e-banking username and password are never asked for. EBICS rests on keys generated for your connection and on a signed letter PostFinance verifies.
What to know before signing the letter
- Read-only. YESbusiness reads your PostFinance statements; it sends no payment order. Your transfers continue to be made in PostFinance'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.
- PostFinance 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 PostFinance adviser.
- A few days to activate. Between sending the signed letter and PostFinance's activation, allow a few business days. In the meantime, the camt.053 file downloaded from PostFinance e-banking can be imported by hand.
Frequently asked questions about EBICS with PostFinance
Does PostFinance offer EBICS?
Yes, to its business customers. It is a service the bank opens on your contract; ask your adviser or PostFinance's corporate e-banking desk.
How much does EBICS cost at PostFinance?
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 PostFinance adviser is enough to find out.
Do I have to give YESbusiness my PostFinance e-banking login?
Never. EBICS works with a dedicated access PostFinance opens in your name and keys generated for your connection, not with your e-banking login.
Can I pay my PostFinance invoices from YESbusiness?
No. YESbusiness uses EBICS read-only: it fetches your statements, it sends no payment orders. Your transfers stay in PostFinance's e-banking.
I have several accounts at PostFinance, or other banks?
One PostFinance 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 PostFinance and VAT returns from CHF 12.90 per month. Two-week free trial.
Try YESbusiness with PostFinance