fintech 7.9.0

The Python Fintech package (SEPA, EBICS & more)

This package contains all the functionality that is required to work with EBICS, SEPA and other financial technologies. The usage has been realised as simple as possible but also as flexible as necessary.

Features

• Support of EBICS versions 2.4, 2.5 and 3.0

• Support of EBICS websockets

• Direct communication with the bank. No third parties involved.

• Obtain bank account statements (incl. CAMT and MT940 parser)

• Create and submit SEPA credit transfers (pain.001)

• Create and submit SEPA direct debits CORE/B2B (pain.008)

• Mostly full SEPA support, including special schemes for CH (PT D/S/X) and IT (CBI)

• Automatic calculation of the lead time based on holidays and cut-off times

• Integrated mandate manager (optionally usable, beta)

• Plausibility check of IBAN and BIC

• Validation of payment orders against the SEPA Clearing Directory of the German Central Bank

• Currency converter

• DATEV converter (CSV and KNE)

The Fintech package provides you the possibility to manage all of your everyday commercial banking activities such as credit transfers, direct debits or the retrieval of bank account statements in a flexible and secure manner.

All modules can be used free of charge. Only the unlicensed version of the EBICS module has few restrictions. The upload of SEPA documents is limited to a maximum of five transactions and bank account statements can not be retrieved for the last three days.

Examples

Simple SEPA Credit Transfer (pain.001)

import fintech
fintech.register()
from fintech.sepa import Account, SEPACreditTransfer

# Create the debtor account from an IBAN
debtor = Account('DE89370400440532013000', 'Max Mustermann')
# Create the creditor account from a tuple (IBAN, BIC)
creditor = Account(('AT611904300234573201', 'BKAUATWW'), 'Maria Musterfrau')
# Create a SEPACreditTransfer instance
sct = SEPACreditTransfer(debtor)
# Add the transaction
tx = sct.add_transaction(creditor, 10.00, 'Purpose')
# Render the SEPA document
print(sct.render())

Simple SEPA Direct Debit (pain.008)

import fintech
fintech.register()
from fintech.sepa import Account, SEPADirectDebit

# Create the creditor account from a tuple (ACCOUNT, BANKCODE)
creditor = Account('DE89370400440532013000', 'Max Mustermann')
# Assign the creditor id
creditor.set_originator_id('DE98ZZZ09999999999')
# Create the debtor account from a tuple (IBAN, BIC)
debtor = Account(('AT611904300234573201', 'BKAUATWW'), 'Maria Musterfrau')
# For a SEPA direct debit a valid mandate is required
debtor.set_mandate(mref='M00123456', signed='2014-02-01', recurrent=True)
# Create a SEPADirectDebit instance of type CORE
sdd = SEPADirectDebit(creditor, 'CORE')
# Add the transaction
tx = sdd.add_transaction(debtor, 10.00, 'Purpose')
# Render the SEPA document
print(sdd.render())

EBICS

import fintech
fintech.register()
from fintech.ebics import EbicsKeyRing, EbicsBank, EbicsUser, EbicsClient

keyring = EbicsKeyRing(keys='~/mykeys', passphrase='mysecret')
bank = EbicsBank(keyring=keyring, hostid='MYBANK', url='https://www.mybank.de/ebics')
user = EbicsUser(keyring=keyring, partnerid='CUSTOMER123', userid='USER1')
# Create new keys for this user
user.create_keys(keyversion='A006', bitlength=2048)

client = EbicsClient(bank, user)
# Send the public electronic signature key to the bank.
client.INI()
# Send the public authentication and encryption keys to the bank.
client.HIA()

# Create an INI-letter which must be printed and sent to the bank.
user.create_ini_letter(bankname='MyBank AG', path='~/ini_letter.pdf')

# After the account has been activated the public bank keys
# must be downloaded and checked for consistency.
print(client.HPB())

# Finally the bank keys must be activated.
bank.activate_keys()

# Download CAMT53 bank account statements
data = client.C53(
    start='2019-02-01',
    end='2019-02-07',
    )
client.confirm_download()

Changelog

v7.9.0 [2026-01-20]

• SEPA: Added SCL Directory and IBAN/BIC mapping table for DE, AT and CH.

• SEPA: Dropped usage of kontocheck library (BICs are no longer added automatically for German accounts).

• SEPA: Deprecated function iban.create_iban(). Instead use the kontocheck library directly.

• SEPA: Set default currency to EUR for Bulgaria.

• CAMT parser: Fixed incorrect subtransaction of unresolved batches.

• CAMT parser: Added method iter_resolved().

• EBICS: Better error handling on unexpected EBICS responses.

• Added possibility to register license from file or environment variables.

• Fixed issue when used with Jupyter Notebooks.

• Added support for Python 3.14

• Dropped support for Python 3.6

v7.8.8 [2025-08-23]

• Fixed wrong digests for bank keys with EBICS 3.0 (H005)

v7.8.7 [2025-08-06]

• Ignore and collect unrelated MT940 lines.

v7.8.5 [2025-07-28]

• EBICS: Added milliseconds to timestamps, required by a French bank.

• Added support parsing MT940 files created by ING Netherlands.

v7.8.4 [2025-07-11]

• Added support for deviating loaders (eg. Pyinstaller)

v7.8.3 [2025-07-03]

• EBICS: Added Swiss order type Z52.

• EBICS: Added H004 to H005 mapping for Swiss order types.

• EBICS: Reduced timeout for EbicsBank.get_protocol_versions().

v7.8.2 [2025-06-12]

• Fixed broken RPC loader due to new packaging in v7.8.0.

v7.8.1 [2025-05-31]

• Added Serbia to SEPA countries.

v7.8.0 [2025-05-13]

• EBICS: Faster PBKDF2 implementation.

• New packaging

• IMPORTANT NOTE: New storage format for EBICS key files! Old keys can be still read but will be stored in a new format after changing the passphrase. Same for newly created keys. Afterwards it is not possible to downgrade to versions below this one without converting all new key files back to the old format.

v7.7.0 [2025-04-19]

• SEPA: Set strict batch parsing as default for CAMT v08.

• SEPA: Parse CAMT documents without TxDtls node (eg. Wise).

• Replaced outdated FPDF package with FPDF2. Old FPDF must be uninstalled manually!

• Added support for Python 3.13

• Dropped support for Python 3.5

v7.6.4 [2025-01-28]

• SEPA: Fixed bug forcing domestic remote BIC for pain.001.001.03.ch.02

• SEPA: Fixed wrong due date calculation in some cases.

• SEPA: Fixed bug parsing CAMT v08.

• EBICS: Added possibility to load custom CA certificates by environment variable.

v7.6.3 [2024-11-30]

• SEPA: Passing lowercase IBANs led to invalid XML.

• Fixed bug that could led to invalid timestamps and as a result to invalid XML, introduced in v7.5.1 (one in a million cases, tests hit the jackpot!)

• Fixed a warning from cryptography 42+.

• Fixed broken binaries for Python 3.5 and 3.6.

• Improved API source code.

v7.6.2 [2024-11-19]

• SEPA: Added SDD scheme pain.008.001.08

• SEPA: Added SCT scheme pain.001.001.09

• SEPA: Added SCT scheme pain.001.001.09.ch.03 (CH)

• SEPA: Added CT scheme CBICrossBorderPaymentRequestLogMsg.00.01.01 (IT)

• SEPA: Added support for non-SEPA transfers

• SEPA: Added support for structured addresses

• EBICS: Added order types AXZ, XE3 and XE4

• EBICS: Added exception EbicsNoDataAvailable

• Added API source to allow code completion for IDEs

• Minor bug fixes.

v7.5.3 [2024-05-07]

• Added fallback URL for licensed user verification to ensure a failure-resistant usage.

v7.5.1 [2024-03-27]

• EBICS: Fixed bug with separate signature passphrase (H005).

• EBICS INI-letter: Try to get bank name by BIC.

• EBICS INI-letter: Added timezone to creation time.

v7.5.0 [2024-03-06]

• SEPA: Added scheme CBIPaymentRequest.00.04.01 (IT).

• EBICS: Check passphrases on keyring initialization.

• Minor bug fixes.

• Added support for Python 3.12

• Dropped support for Python 3.4

v7.4.3 [2023-09-14]

• Fixed runtime issue under Python 3.11 on MacOS.

v7.4.1 [2023-07-27]

• EBICS: Added preliminary verification of external signatures.

• EBICS: Skip transport signature if additional signers exist.

• EBICS: Deprecated EbicsUser.manual_approval (use class parameter “transport_only” instead)

• EBICS: Minor bug fixes.

v7.3.1 [2023-06-12]

• EBICS: Added separate signature passphrase.

• Added possibility to read license from file.

• Updated external code sets.

• Added support for Python 3.11

v7.2.10 [2023-03-18]

• SEPA: Added French classification

• SEPA: Fixed wrong position of CtgyPurp (CBI)

• SEPA: Fixed check of CUC codes (IT)

• EBICS: Added possibility to set accepted SSL ciphers

v7.2.9 [2022-11-29]

• Fixed some minor bugs.

v7.2.6 [2022-08-05]

• Replaced some deprecated functions.

v7.2.5 [2022-07-20]

• SEPA: Allow foreign IBANs with Account objects.

• EBICS: Strip incoming whitespaces on all text nodes.

• RPC: Apply defusedxml to prevent known XML attacks.

v7.2.4 [2022-06-18]

• EBICS: Added ASN1 DigestInfo to prehashed digest for external signatures.

• RPC: Added possibility to extend the RPC class.

v7.2.3 [2022-06-07]

• EBICS: Added support for multiple signatures.

• EBICS: Added warnings about unconfirmed downloads.

• SEPA: Added the possibility to set custom KREF ids.

• Added possibility to install the RPC server as OS service.

v7.1.0 [2022-02-23]

• Removed deprecated methods EbicsClient.CD1() and Account.set_creditor_id().

• Added binaries for Linux ARM64.

v7.0.6 [2022-02-14]

• EBICS: Added some Swiss order types.

• EBICS: Added support for EBICS websockets.

• SEPA: Reject amounts with more than two decimals.

• SEPA: Added support for Urgent Payments (URGP).

• Added revised version of the RPC server to the main package.

• Fixed issue with default User-Agent header rejected by some banks.

• Some bug fixes with EBICS 3.0

• Updated external code sets.

• Added support for Python 3.10

• Dropped support for Python 2.

v6.6.5 [2021-05-21]

• SEPACreditTransfer: Omit CdtrAgt if BIC is not specified.

v6.6.4 [2021-05-04]

• EBICS: HPB bugfix, create keys from certificate as fallback.

v6.6.2 [2021-03-16]

• CAMTParser: Fixed creditor/debtor assignment of reversed transactions.

• DATEV: Group files by booking year and financial year.

• DATEV: Reject amounts with more than two decimals.

v6.6.1 [2021-02-03]

• Added missing SEPA countries AD and VC

v6.6.0 [2021-01-29]

• Added support for Python 3.9

v6.5.2 [2020-12-06]

• SEPA: Fixed bug parsing CAMT messages without AmtDtls node.

• SEPA: Added SCL Card Clearing check to iban.check_bic().

v6.5.0 [2020-10-29]

• EBICS: Added date range parameters to some download methods.

• EBICS: Fixed missing TLS SNI support.

• Dropped support for Python <2.7.9

v6.4.4 [2020-10-13]

• EBICS: Added method EbicsBank.get_protocol_versions()

• Fixed issue with Python 3.8

v6.4.1 [2020-07-30]

• DATEV: Added support for divergent financial years.

v6.4.0 [2020-07-28]

• EBICS: Added support for external signatures.

• Added method LicenseManager.list_ebics_users()

v6.3.0 [2020-06-09]

• DATEV: Added DatevCSV version 710.

v6.2.0 [2020-04-29]

• SEPA: Added support for Instant Payments

• SEPA: Added method Account.is_sepa()

• SEPA: Fixed bug in Swiss SCT scheme versions

• EBICS: Fixed issue with self-signed certificates

• Fixed debugging issues

v6.1.1 [2019-12-24]

• SEPA: Fixed bug in CBI scheme (CBI unique code)

• SEPA: Added method Account.set_originator_id()

v6.1.0 [2019-12-19]

• Added support for Python 3.8

• Added currency of local account to SEPA documents

• Changed LicenseManager endpoint

v6.0.7 [2019-09-21]

• Added possibility to disable EBICS response verification.

v6.0.3 [2019-08-29]

• Fixed Distributed Signature bug with key version A006.

v6.0.2 [2019-06-28]

• Fixed creditor/debtor assignment of reversed transactions (CAMTParser).

• Correctly sign amounts if reversal flag is set (MT940 parser).

v6.0.1 [2019-06-18]

• EBICS: Implemented EBICS protocol version 3.0 (H005).

• EBICS: Dropped support for PyCrypto.

• EBICS: Removed depreciated factory function EbicsClientCompat.

• EBICS: API changes: Renamed first parameter of EbicsClient.HVU() and EbicsClient.HVZ() from “ordertypes” to “filter”.

• SEPA: Added Swiss scheme versions.

• SEPA: Added unstructured address attribute to Account.

• SEPA: Updated IBAN countries.

• DATEV: Added DatevCSV format.

• Updated External Code Sets

v5.3.1 [2019-04-27]

• SEPA: Fixed bug in CBI schemes

v5.3.0 [2019-04-09]

• EBICS: Fixed bug downloading large files

• SEPA: Added CBI schema for Italy

v5.2.1 [2019-03-03]

• Fixed bug using a proxy.

v5.2.0 [2018-07-31]

• Replaced the possibility to separate transactions with a method to create new batches.

• Use INI letter path with user’s home directory expanded.

v5.1.0 [2018-07-30]

• Added possibility to process single transactions in its own batch.

v5.0.3 [2018-05-22]

• Added FreeBSD binary

v5.0.2 [2018-04-03]

• Fixed an issue with IPython and Django

v5.0.1 [2018-03-29]

• Fixed VEU bug with suppress_no_data_error=True

• Some code improvements

v5.0.0 [2018-03-26]

• New packaging

• Old versions should be uninstalled before upgrading!

v4.4.1 [2018-03-09]

• Added some logging

v4.4.0 [2018-03-08]

• Added EbicsClient context manager (auto-confirm)

• Added EbicsClient property suppress_no_data_error

• Added some IBAN countries

• Fixed unverified SSL connections (Py>=2.7.9)

• Accept multiple NtryDtls nodes in CAMTDocument

v4.3.5 [2017-10-25]

• Fixed a SEPA date issue.

• MT940 parser: Accept all characters in purpose text even if defined as delimiter.

• Fixed a distributed signature bug.

v4.3.4 [2017-08-10]

• Added the fields sum_credits and sum_debits to the MT942 parser.

• Fixed the handling of invalid times (24:00:00) in CAMT documents.

• Added the possibility to specify custom order parameters for FDL/FUL.

• Added further support for SEPA structured references.

v4.3.3 [2017-06-06]

• Fixed a bug parsing CAMT52 documents.

• Made the user for EbicsClient optional.

• Fixed a bug in EbicsUser.create_ini_letter to correctly return bytes.

• Added silent parameter to method EbicsBank.activate_keys.

• Added the attributes reference_id and sequence_id to the CAMTDocument parser.

• Now parses the transaction classification also for DK in addition to ZKA.

v4.3.2 [2017-03-30]

• Minor bug fix parsing MT942 documents.

• Minor bug fix creating self-signed certificates.

• Fixed a problem with Python builts compiled without “–with-fpectl”.

v4.3.1 [2017-02-06]

• Fixed a bug of Account.set_mandate with named arguments.

v4.3.0 [2017-01-19]

• PyOpenSSL is not longer required to support certificates.

• Removed direct debit type COR1 and adjusted mandate sequence types. API changes:

  • OLD: Account.set_mandate(mref, signed, first, last)

  • NEW: Account.set_mandate(mref, signed, recurrent)

  • OLD: SEPADirectDebit(account, ‘COR1’, …)

  • NEW: SEPADirectDebit(account, ‘CORE’, …)

v4.2.4 [2017-01-17]

• Added a check for DigestMethod algorithm.

• Fixed a bug rejecting mandates signed more than three years ago.

• Fixed minor bug in mt940 parser.

v4.2.3 [2016-10-27]

• Fixed bug of wrong content type in EBICS module.

• Added support for EBICS uploads that are approved manually via accompanying document.

v4.2.2 [2016-05-05]

• Added timeout to EBICS requests.

• Made BIC optional for SEPA transactions.

• Added creditor id to InitgPty/OrgId for Spanish banks.

• Added postal address to SEPA documents.

• Added support for creditor reference numbers.

v4.2.1 [2015-08-20]

• Added a check of the unicode variant (UCS2, UCS4) to setup.py.

v4.2.0 [2015-08-17]

• Added the SEPA fields BREF, RREF, SQTP and RTCD to the MT940 parser.

• Added a dictionary of possible return codes to the SEPA module.

• Added the possibility to dynamically license additional EBICS users.

• Fixed an encoding bug of non-ascii error messages under Python 2.

• Fixed a bug swapping local and remote account for returned transactions by the CAMT parser.

v4.1.1 [2015-04-24]

• Disabled output of license due to some difficulties with pip

v4.1.0 [2015-04-20]

• Added support for other currencies in addition to EUR.

• Added new Amount class with an integrated currency converter.

• Now the SEPATransaction property amount is of type Amount.

v4.0.0 [2015-04-14]

• Made the library Python 2/3 compatible.

• Added support for the cryptography package in addition to PyCrypto.

• Made the BIC optional for national transactions.

• Added the originator id to SEPA documents in GB and IE.

• Added a check to recognize transaction duplicates.

• Added a CAMT parser.

• Changed some attributes of SEPATransaction instances to be conform with the new CAMT parser:

  • Removed the property id.

  • Removed the property account, instead use the method get_account().

  • Renamed the property due_date to date.

  • Renamed the property ext_purpose to purpose_code.

  • Changed the property purpose, now it is a tuple of strings.

  • Changed the property amout, now debits are signed negative.

• Fixed the handling of invalid dates (eg. 2015-02-30) in MT940 and CAMT parsers.

• Fixed a problem with the exception handling in IPython.

• Some code improvements and minor bug fixes.

v3.0.3 [2015-02-05]

• Fixed a bug in the XML to dictionary converter.

• Fixed a bug in the path handler of the EbicsKeyRing class.

v3.0.2 [2015-01-29]

• Fixed a bug handling bank keys with a small bit-length.

• Added some tolerance to the MT940 parser and collect unknown structured fields.

v3.0.1 [2015-01-26]

• Renamed the package from ebics to fintech and the module client to ebics.

• Splitted the functionality of the class EbicsClient into the classes EbicsClient, EbicsBank, EbicsUser and EbicsKeyRing. Added the new class factory EbicsClientCompat for backwards compatibility.

• Added basic support for EBICS protocol version 2.4 (H003).

• Added support for certificates.

• Added the order types FUL and FDL.

• Added a French and English version of the INI-letter.

• Added the order types PUB, HCA, HCS and H3K.

• Added a check of remote SSL certificates against trusted CAs.

• Fixed the broken functionality of distributed signatures.

• Added a much faster PBKDF2 implementation.

• Created a more tolerant MT940 parser.

• Changed the API of SEPACreditTransfer and SEPADirectDebit to be more consistent and added support for different PAIN scheme versions.

• Several bug fixes.

v2.1.2 [2014-10-26]

• Fixed some bugs regarding the distributed signature

v2.1.1 [2014-10-26]

• Fixed a bug throwing an exception in an unregistered version of PyEBICS.

• Fixed bug of wrong OrderParams tag used by orders of the distributed signature.

v2.1.0 [2014-09-29]

• Added some functionality based on the SCL Directory, published by the German Central Bank.

v2.0.3 [2014-09-11]

• Fixed a bug refusing valid creditor ids.

• Added a test to check DATEV parameters for invalid arguments.

v2.0.2 [2014-09-05]

• Fixed a bug in some EBICS requests (missing parameter tag).

• Fixed a bug in the MT940 parser.

v2.0.1 [2014-08-18]

• Fixed a bug handling XML namespaces.

• Changed the behaviour of the flag parsed of some methods. Now a structure of dictionaries is returned instead of an objectified XML object.

• Changed the expected type of the params parameter. Now it must be a dictionary instead of a list of tuples.

• Added support for distributed signatures (HVU, HVD, HVZ, HVT, HVE, HVS).

v1.3.0 [2014-07-29]

• Fixed a few minor bugs.

• Made the package available for Windows.

v1.2.0 [2014-05-23]

• Added new DATEV module.

• Fixed wrong XML position of UltmtCdtr node in SEPA documents.

• Changed the order of the (BANKCODE, ACCOUNT) tuple to (ACCOUNT, BANKCODE) used by the Account initializer.

v1.1.25 [2014-02-22]

• Minor bug fix of the module loader.

v1.1.24 [2014-02-21]

• First public release.