Operating hours and fees
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 SWIFT | FinTS/Online banking | |
Same-day euro credit transfers | 07.00 – 16.45 Customer payments 07.00 – 17.45 Interbank payments | 07.00 – 16.45 |
Foreign payment transfers | 07.00 – 13.30 | 07.00 – 13.30 |
Cover closing times
Same-day euro credit transfers | Customer payments | 16.55 |
Interbank payments | 16.55 | |
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 day | D | D |
Booking day | D | D + 1 |
Submission times | From 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 times | Up 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 window | Second submission window | |
Business day | D | D |
Booking day | Due date of direct debit | Due date of direct debit or R transactions after settlement D+1 |
Submission times | From 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.
Customer Access Mechanism-Instant (CAM-Instant)
SEPA instant credit transfers can be submitted around the clock as there is no cut-off time.
Every calendar day is a business day.
Fees for using CAM
The Bundesbank charges its account holders the following fees for both CAM-Individual and CAM-SEPA: