EBICS Experts in Germany
for secure bank connectivity, matched in minutes with vetted freelancersHire experts who connect ERP and treasury systems to banks, implement ISO 20022 payment workflows and manage EBICS integrations across Germany. Get fast, precise matching with vetted and available freelancers who fit your project.
Meet FRATCH Experts in Germany, who have recently used EBICS
Silvia B.
Last position:
Business Consultant - Product Management Banking at Aareal Bank AG
- Focus on optimizing and further developing the internal customer EBICS application
- Functional and technical consulting for Aareal First Financial Solutions AG on EBICS standard products and applications in the areas of operations and further development, as well as project-related communication with external development partners and the product manufacturer to implement the corresponding technical optimizations
- As the functional coordinator, providing advice on content-related and regulatory requirements as well as technical prerequisites and requirements, and bringing these together at the functional level
- Consulting on the use of EBICS formats
- Reviewing the current EBICS standard for optimization and further development potential
- Analyzing the current state to identify development potential and deriving appropriate recommendations for action while considering regulatory requirements
- Conducting EBICS tests throughout the project
- Functional responsibility for requirements management and, in this context, recording and documenting requirements for such tests
- Designing a functional and sustainable test management system
- Conducting and evaluating tests
- Consulting on sustainable quality assurance and audits
- Project language: German and English
- Tools/Methods: MS Project, MS Office, MS Visio, TestRail, Confluence, Jira, Business Logics Bankkrecher, Business Logics Test Data Generator, Business Logics Banking Tool, Business Logics Test System, DBEAVER, Squirrel, Unix Virtual Machines, WinSCP, Kitty, Putty, various Aareal Bank products, Online Banking Portal, Aareal Sign, core banking system, SAP Blue Eagle, SAP RE-FX, Aareon Wodis Sigma, Haufe Real Estate Wowinex, GAP Group Immotion, UTS Karthago, SAP IS-U/Waste, SIV kVASy, various EBICS clients
Leif S.
Last position:
Software Architect at QualityMinds GmbH
- Lead software architect and technical team lead for a new logistics platform for load carrier trade
- Core design of software architecture using arc42 spanning frontend, backend, delivery strategies and cloud native infrastructure with Domain Driven Design and Hexagonal Architecture
- Evaluation of initial business requirements and software development roadmap
- Technical team lead in a Scrum team of 9 people
- Introduced and strengthened AI-assisted (JetBrains AI & GitHub Copilot) and collaborative code development strategies to speed up feature development
Tymofii S.
Last position:
Senior Backend Developer at Medavis
- Developed backend features for Modern RIS, a web-based Radiology Information System integrated with the existing Classic RIS via WebView.
- Worked on a modular Spring Boot backend covering clinical workflows such as appointments, examinations, patients, orders, reporting, billing, and inventory.
- Contributed to event-driven architecture using domain events to decouple workflows across backend modules.
- Implemented REST/OpenAPI endpoints, service-layer business logic, DTO mapping, validation, and integration points for the React frontend.
- Worked with PostgreSQL-backed domain models, Liquibase database changes, read/write model separation, and legacy RIS database structures.
- Integrated authentication and authorization flows using Keycloak and OAuth2.
- Added and maintained unit/integration tests using JUnit, Rest Assured, Testcontainers, and project-specific test utilities.
- Supported CI/CD and local development workflows using Maven, Docker Compose, Jenkins, and generated OpenAPI clients.
Tech stack: Java 21, Spring Boot 3.5, Maven, PostgreSQL, Liquibase, Keycloak, OAuth2, REST, OpenAPI/Springdoc, MapStruct, Lombok, Docker, Testcontainers, Jenkins.
Benjamin W.
Last position:
SAP Basis at IT Baden-Württemberg (BITBW)
- SAP Basis operations for complex SAP system landscapes (ABAP and Java stacks)
- Administration, monitoring, and optimization of SAP systems with regard to availability, performance, and stability
- Planning and execution of data center moves as well as migrations of SAP systems and databases
- Handling of incidents, changes, and problems according to ITIL processes, including root cause analyses
- Creation of technical concepts, operations documentation, and implementation plans
Technologies: SAP NetWeaver, ITIL processes, technical migrations
Thorsten O.
Last position:
Workstream Lead (WS) at Bank-Verlag GmbH
- Introduction of giro card with Visa Debit card payment function (Combocard) for Commerzbank
- Support for the Card Processing Team (card processing; Clearing & Settlement incl. Dispute Management teams) in project work
- Creation of requirements for the Clearing & Settlement team, Authorization team (AZ) and Card Production team (KP) as part of a requirements catalog
- Requirements engineering (requirements management) with business contact person
- Participation in workstream meetings between VISA Inc., SRC Security Research & Consulting GmbH, Commerzbank AG and consulting firms (PwC and Senacor Technologies AG)
- Sprint planning with Jira tickets of type Task and use of Confluence
- Creation and presentation of weekly status reports for the Clearing & Settlement, Dispute Management and Reporting & GUI workstreams
- Coordination with network and file transfer teams for connection tests of new interfaces, e.g. setup of host keys, use of VPN or sipnet connections
- Coordination of the delivery of test files, e.g. exchange rates (FX rates; TC 56 of VISA rates), VISA Debit and Credit transactions (format Base II) and EANSS/ISS Base II clearing files to the Debit Clearing System (DCS)
- Conducting coordination meetings on the use of Visanet Settlement Service (VSS) and PSD2 reports and payment traffic statistics (ZVS)
- Organizing workshops with FiServ (First Data) on Dispute Management and complaint handling
- Setup and maintenance of Open Point List (OPL) in Confluence
- Technologies/methods: Jira, Confluence, giro card, VISA Debit card, payments, Kanban board, BIN, routing, CIQ, VPAY, ScalaTest, Dispute Management
Arif P.
Last position:
Transition Manager at Volkswagen Financial Services
- Stakeholder management
- Documentation of progress
- Communicating progress and regular status reports to relevant stakeholders
- Creating and reviewing timelines to ensure the schedule is met
- Change management
- Ensuring a solid knowledge base for new users
- Organizing and coordinating training sessions
- Technologies: MS Office, ITSM, MILES, Citrix
Nino L.
Last position:
Senior Management Consultant / Managing Partner at Niagon GmbH
Discover over 15,000 top freelancers
Statistics of experts using EBICS
Aggregated from the professional profiles of matched freelancers.
Experience
24 years
Position duration
2.1 years
Positions per freelancer
15
Top business areas
Information Technology, Project Management, Quality Assurance
Top industries
Banking and Finance, Information Technology, Automotive
Certification focus areas
Information Technology, Project Management, Product Development
Bachelor's degree or higher
80%
Master's degree or higher
60%
Doctorate
20%
Certifications per freelancer
4
Most common languages
German, English, French
Speak two or more languages
100%
Based on our profile pool as of 29 Oct 2026.
Daily rate distribution
The chart shows how the daily rates of experts in this technology in Germany are distributed, based on recent contracts on our platform. Each bar covers a rate range — its height shows the share of experts charging within that range.
Average rates of experts in Germany using EBICS
Rates are based on recent contracts and do not include FRATCH margin.
The average daily rate is the mean of all daily rates from recent contracts of comparable freelancers on our platform.
The median daily rate is the middle value of all daily rates — half of comparable freelancers charge less, half charge more. Unlike the average, it is barely affected by outliers.
Calculated based on our freelancers’ daily rates as of 29 Oct 2026. Actual rates may vary depending on seniority level, experience, skill specialization, project complexity, and engagement length.
EBICS experts industry focus
See which industries our matched freelancers work in most often — every figure is calculated live from the freelancers on FRATCH.
- Banking and Finance (100%)
- Information Technology (100%)
- Automotive (43%)
- Healthcare (43%)
- Transportation (43%)
- Professional Services (43%)
- Retail (43%)
- Aerospace and Defense (29%)
Please note that freelancers can work across multiple industries, so percentages overlap.
About the technology
What EBICS Does
EBICS, short for Electronic Banking Internet Communication Standard, is a protocol for secure communication between companies and banks. It supports payment orders, account reporting, direct debit files and other structured banking messages. Companies use it to connect internal finance systems with banks without relying on manual portal workflows.
Core Payment Workflows
EBICS integrations handle the exchange of payment files and bank statements between ERP, treasury and banking systems. Specialists configure message types, order parameters, signatures and account access so that files move reliably through the right approval path. Typical work includes payment initiation, statement retrieval, reconciliation and exception handling.
- Configure payment and reporting workflows
- Connect ERP or treasury software to banks
- Automate file exchange and reconciliation
- Support electronic signatures and approval rules
Standards and Tooling
Strong EBICS professionals understand the surrounding standards rather than treating the protocol in isolation. Their work often involves ISO 20022 formats such as pain and camt messages, SEPA processes, XML validation, certificate handling and secure transport. They may also integrate SAP, treasury management software, accounting systems or custom middleware.
When Companies Need Specialists
Freelance expertise is useful when a company is replacing legacy bank connections, expanding its banking landscape or modernising payment operations. It also helps during ERP migrations, treasury projects and audits where access rights, message formats or settlement processes need careful review. In Germany, EBICS knowledge is especially relevant for organisations working with domestic banks and corporate payment infrastructures.
- Replace manual banking portals
- Migrate from legacy host-to-host connections
- Resolve rejected files or reporting gaps
- Prepare integrations for new banking partners
What Good Work Requires
Reliable EBICS work combines protocol knowledge with financial process awareness. Professionals should be comfortable reading technical specifications, tracing message flows and diagnosing failures across certificates, connectivity, permissions and application logic. They also need to document controls clearly for finance, security and audit teams.
Choosing the Right Professional
Look for evidence of complete bank connectivity projects, not only familiarity with the acronym. A strong specialist can explain how payment files are created, signed, transmitted, acknowledged and reconciled in the target environment. For remote collaboration, clear documentation and structured testing matter; on-site work may be useful when finance, security and banking teams need close coordination. German language skills can help when local bank processes and internal stakeholders are involved.
Frequently asked questions
Curious about EBICS? Here are the answers that come up again and again.
EBICS is used for secure, automated communication between companies and banks. It supports payment files, account statements, direct debits, status messages and other banking data exchanged through corporate finance systems.
EBICS is generally designed for corporate and high-volume bank connectivity, including file-based payment workflows and multi-user approvals. HBCI and FinTS are often used for account access and transactions through online banking applications, so the better choice depends on transaction volume, controls and system integration needs.
A strong EBICS specialist often also understands ISO 20022, SEPA, XML validation, certificate management and secure file transfer. Experience with SAP, treasury systems, ERP integrations and reconciliation processes is valuable when the protocol is part of a broader finance transformation.
The required depth depends on the scope of the EBICS work. A simple bank connection may need configuration expertise, while a migration or multi-bank rollout calls for someone who can design message flows, manage permissions, test signature processes and troubleshoot production issues.
EBICS work is often suitable for remote collaboration because configuration, testing and documentation can be performed securely through controlled access. On-site sessions may still help when German finance teams, security reviewers or bank contacts need workshops and coordinated acceptance testing.
Before engaging an Electronic Banking Internet Communication Standard specialist, define the banks, accounts, payment types, ERP or treasury system and required approval flows. Access requirements, test credentials, message samples and ownership of certificates should also be clarified early.
Ask how the EBICS professional tests acknowledgements, rejected files, duplicate submissions, certificate changes and interrupted transfers. Good work includes traceable logs, clear operating procedures, controlled permissions and reconciliation that confirms the bank result matches the internal finance record.
EBICS originated in the German banking environment and remains widely relevant there, but it is also used across parts of Europe. Its suitability depends on whether the company’s banks support it and whether the organisation needs secure corporate file exchange, structured payment processing and consistent bank connectivity.
The average hourly rate of freelancers in Germany who have used EBICS in their recent projects is 106 €, which corresponds to a daily rate of about 850 € based on an 8-hour working day.
Of the freelancers in Germany who have used EBICS in their recent projects, 80% hold at least a Bachelor's degree, 60% hold at least a Master's degree, and 20% hold a doctorate.
On average, freelancers in Germany who have used EBICS in their recent projects have 24 years of professional experience, with a single engagement typically lasting around 2.1 years.
The most common languages among freelancers in Germany who have used EBICS in their recent projects are German (100%), English (100%), and French (29%).
The most common industries among freelancers in Germany who have used EBICS in their recent projects are Banking and Finance (100%), Information Technology (100%), and Automotive (43%).
The most common business areas among freelancers in Germany who have used EBICS in their recent projects are Information Technology (100%), Project Management (71%), and Quality Assurance (71%).
Main locations of FRATCH Experts, who have recently used EBICS
Our freelancers and interim experts are at home across the DACH region — available on-site in the major business hubs or fully remote. Choose a location to discover matched specialists, local market insights and up-to-date availability.
Berlin Hamburg Munich Cologne Frankfurt Stuttgart Dusseldorf Leipzig Dortmund Essen Bremen Dresden Hanover Nuremberg Request a free demo
Get in touch with the FRATCH team and we will get back to you within 4 hours.
Would you rather directly get in touch?
We always have the time for a call or email!
Philipp Thomaschewski
FRATCH CEO
