EBICS Experts in Germany
for secure bank connectivity, matched in minutes by AIHire experts who connect ERP and treasury systems to banks through EBICS, configure payment workflows and handle XML-based financial messages. FRATCH finds precise matches with vetted, available freelancers quickly.
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.
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
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
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
23 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 19 Sep 2026.
Daily rate distribution
The chart shows how the daily rates of freelancers in this technology in Germany are distributed, based on recent contracts on our platform. Each bar covers a rate range — its height shows how many freelancers charge 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 19 Sep 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
EBICS at a glance
EBICS, short for Electronic Banking Internet Communication Standard, is a protocol for secure business banking communication. Companies use it to exchange payment orders, account information and reporting data between their systems and participating banks. The standard is especially established in Germany and across parts of Europe.
Typical applications
EBICS supports structured, automated processes rather than manual online banking. It is commonly used for:
- Sending domestic and international payment orders from ERP or treasury systems
- Receiving account statements, intraday reports and payment status messages
- Managing technical users, signatures, permissions and bank relationships
- Connecting banks through treasury management or payment hubs
- Supporting SEPA, XML and other bank-specific message formats
Ecosystem and tooling
EBICS projects often connect enterprise resource planning, treasury management, accounting and banking software. Specialists work with EBICS client libraries, bank connectivity services, payment hubs and message formats such as ISO 20022 XML. They also understand host-to-host communication, TLS certificates, electronic signatures and the bank parameter data exchanged during setup.
When companies need expertise
Freelance specialists are useful when a company is replacing a bank interface, onboarding several banks or integrating a new ERP or treasury system. They can also support migrations from proprietary host-to-host solutions, investigate rejected orders and improve reconciliation. In Germany, collaboration may involve local banking processes, German documentation and coordination with internal finance teams or bank contacts.
Delivery and controls
A reliable EBICS implementation starts with clear bank requirements, supported order types and a defined signature model. Strong professionals configure partner and user permissions carefully, validate certificates, test message flows and document operational procedures. They also separate test and production environments and establish monitoring for failed transfers, missing statements and delayed responses.
What strong specialists bring
The best EBICS professionals combine protocol knowledge with payment operations and integration discipline. They can read technical logs, trace an order from source system to bank response and explain risks to finance stakeholders. Valuable adjacent skills include API integration, SQL, XML, SEPA payments, ERP interfaces, treasury workflows and secure credential management. Remote work is practical when access, approvals and bank coordination are arranged; on-site sessions can help during cutovers or workshops.
Frequently asked questions
Curious about EBICS? Here are the answers that come up again and again.
EBICS is used for secure, automated exchange of payment orders and banking data between a company’s systems and its banks. It can transmit payment files, account statements, status information and other structured messages without relying on manual online banking.
EBICS is a bank communication standard built around secure file and message exchange, with established signing and authorization processes. APIs may offer more real-time interaction, while proprietary host-to-host connections can vary by bank; the right choice depends on bank coverage, transaction types and the company’s integration architecture.
EBICS work often requires knowledge of ISO 20022 XML, SEPA payments, ERP or treasury integrations and certificate handling. Experience with payment hubs, SQL, API connections, reconciliation and operational monitoring is also useful when the specialist must support the complete banking workflow.
EBICS expertise should match the project’s complexity rather than a fixed number of years. A straightforward bank connection may need protocol and configuration skills, while a multi-bank migration requires proven experience with signing models, message formats, testing, cutover planning and incident handling.
EBICS projects are often suitable for remote collaboration because configuration, testing and documentation can be performed securely online. On-site work may still help during finance workshops, access setup or a production cutover, and German-language communication can matter when coordinating with local teams or banks.
EBICS quality is easier to judge through specific project evidence than through protocol terminology alone. Ask how the specialist handled bank onboarding, authorization rules, certificates, rejected files, test scenarios and production monitoring, and request clear documentation of the proposed controls.
EBICS deliverables commonly include a connectivity design, bank and user configuration, message mapping, certificate procedures and test records. A complete handover should also cover operational runbooks, monitoring, error resolution and the responsibilities of finance, IT and banking partners.
EBICS can provide the banking connection layer during an ERP or treasury migration, but the interface must be planned alongside payment formats and reconciliation rules. A specialist should map existing bank relationships, preserve approval controls, test inbound and outbound messages and coordinate the transition without interrupting payment operations.
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 23 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
