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Acceptance and execution times

Customer Access Mechanism-Individual (CAM-Individual)

Same-day euro credit transfers and foreign payment transfers can be submitted to the Bundesbank's CAM-Individual procedure electronically 24 hours a day, 7 days a week.

The payments are processed on all business days within the acceptance times stated below. The stated acceptance/cut-off times are valid from the perspective of the application, ie transmission of the files submitted to CAM-Individual must be completed by the defined cut-off times. Payments received after the respective cut-off times are executed on the following business day, without separately notifying the submitter.

Acceptance / cut-off times:

Submission method

 EBICS or SWIFTFinTS/Online banking
Same-day euro credit transfers07.00 – 16.45 Customer payments
07.00 – 17.45 Interbank payments
07.00 – 16.45
Foreign payment transfers07.00 – 13.3007.00 – 13.30

Cover closing times

Same-day euro credit transfers Customer payments16.55
Interbank payments16.55
Foreign payment transfers 16.55 on the execution date (generally two transaction business days after the submission date).

Customer Access Mechanism-SEPA (CAM-SEPA)

SEPA payments submitted to CAM-SEPA are accepted from account holders without a bank sort code via EBICS and online banking by means of FinTS 24 hours a day, 7 days a week.

Two submission windows are available for processing purposes.

SEPA credit transfers

 First submission window Second submission window
Business dayDD
Booking dayDD + 1
Submission timesFrom 18.30 on day D – 1
to 11.30 on day D

From 11.30 on day D

to 18.30 on day D

Booking timesUp to 14.20 on day D (debiting of the equivalent values of the submitted SEPA credit transfers with booking date D)From around 19.00 up to no later than 19.35 on day D (debiting of the equivalent values of the submitted SEPA credit transfers with booking date D+1)

Submissions via EBICS using the first submission window should, wherever possible, be made well in advance of the 11.30 cut-off time on day D.

SEPA direct debits

 First submission windowSecond submission window
Business dayDD
Booking dayDue date of direct debitDue date of direct debit or R transactions after settlement D+1
Submission timesFrom 18.30 on day D – 1
to 10.30 on day D
From 10.30 on day D
to 18.30 on day D
Booking times SEPA direct debits and R transactions prior to settlement are booked on the business day preceding the due date, usually at around 19.30, dated with the following business day.
R transactions (refunds/crediting and reversals/debiting) subsequent to settlement are booked on the execution date, usually at around 19.30, dated with the following business day.

The submission times stated above are valid from the perspective of the application, ie transmission of the files transferred to the Bundesbank's CAM-SEPA procedure must be completed by the defined cut-off times.

Fees for using CAM

The Bundesbank charges its account holders the following fees for both CAM-Individual and CAM-SEPA: