Bulk channels
The solution for bulk payment transactions
- Your transactions processed immediately
- Reduce your operational costs
- Simplify your reconciliation process
Connect your system through our bulk channels for a secure and direct link to ABN AMRO. File uploads and transaction processing are handled automatically.
Four solutions for you
Access Direct OpenLInk
Connect your system to one or more banks with Access Direct OpenLink. You'll gain access to ABN AMRO's network and payment solutions. Also you can manage other banks through this system.
- For large-scale payment transactions and reporting
- Optimising investments, such as in ERP systems
SWIFT FIN
FIN is used to send individual structured messages. It is particularly suitable for individual transactions.
- Monitoring, prioritization, and storage of your messages
- Structured messages ensure fast and secure processing
SWIFT FileAct
FileAct sends various types of files containing all kinds of data, such as financial reports or images.
- Processes bulk data, ideal for large files containing multiple transactions
EBICS
The Electronic Banking Internet Communication Standard (EBICS) is a transmission protocol for Electronic Banking communication. In Germany, EBICS has become the market standard for such communications.
- Our EBICS offering is suitable only for German and Dutch clients
Which solution do you choose?
In this table, you can see the differences between the various solutions.
| Product | Access Direct OpenLink | SWIFT FIN | SWIFT FileAct | EBICS |
|---|---|---|---|---|
| Suitable for | Large or international companies regularly sending large files or receiving extensive end-of-day reports. | Large or international companies submitting high-value transactions using MT101 and MT103. | Large or international companies regularly sending large files or receiving extensive end-of-day reports. | Large or international companies with an existing EBICS setup through another bank, requiring a direct German relationship. |
| File formats | SEPA CT, Non-SEPA CT, SEPA DD | MT101, MT103 | SEPA CT, Non-SEPA CT, SEPA DD | SEPA CT, Non-SEPA CT, SEPA DD, DTAZV |
| Reporting | MT940, SAP MT940, MT940 (structured) / MT942, CAMT052 / CAMT053 | MT940, MT942 | MT940 / MT942, CAMT052 / CAMT053 | MT940 (structured) / MT942 (structured), CAMT052 / CAMT053 |
| Protocols | SFTP, FTPS | SWIFT network | SWIFT network | EBICS |
| Authorisation | Two methods:
| No ABN AMRO software installation required. Business clients use the SWIFT application (SWIFT Alliance Lite). | No ABN AMRO software installation required. Business clients use the SWIFT application (SWIFT Alliance Lite). | No ABN AMRO software installation required. Clients can use standard or custom third-party software for communication and security. |
| Security | Secure connection via FTPS or SFTP. Security is optimised during implementation to ensure integrity and authentication. | Utilises SWIFT infrastructure ensuring payment integrity, authentication, and origin non-repudiation. Double file/payment checks and internal checks on sending SWIFT address and client settings. | Utilises SWIFT infrastructure ensuring payment integrity, authentication, and origin non-repudiation. Double file/payment checks and internal checks on sending SWIFT address and client settings. | EBICS requires multiple signature levels. Authentication signatures ensure package integrity, while electronic signatures authenticate payments. |
Please note! Coming soon: instant payment processing
What does this mean for you?
In the first quarter of 2026, the bulk channels FileAct and Access Direct will switch to instant payment processing.
Transactions with instant processing will then appear in the recipient's account within a few seconds. Currently, your individual transactions are still processed via a SEPA Credit Transfer batch according to the normal SEPA processing times. In most cases, the payment will not appear in the recipient's account until the next business day.
How it works
- You submit your SEPA Credit Transfers via FileAct or Access Direct. A batch entry is made on your account for the total amount of the batch. The batch is broken down into individual transactions.
- Each individual transaction in the batch is processed within 5 to 10 seconds if instant processing is possible. Sometimes this is not possible, for example because the beneficiary bank cannot process instant payments. In that case, the money will be credited to the recipient's account within 1 business day. The total processing of the entire batch may take longer.
- SEPA batches can be submitted every day, 24 hours a day. You do not need to take delivery times into account.
- Would you like the transfer batch to be processed on a specific day? Then enter your desired execution date. This can be up to 364 days in the future.
Validation of payment files
In order to process the batches instantly, stricter validation of the payment files is required. So check your files carefully. This validation ensures that the files comply with SEPA rules.
Status messages
We will no longer support Human Readable messages. We therefore advise you to switch to our ISO XML pain.002 messages as soon as possible.
If you already receive ISO XML pain.002 messages, you will see a few new status codes.
We will also introduce a new type of pain.002 message for SEPA Credit Transfer batches. This message provides a summary of the processing of the individual transactions in the batch, including a timestamp of the last transaction that was processed as instant.
Please note
- There are still some restrictions. For example, transactions in a single batch with more than 10,000 transactions are not processed instantly.
- Batches with only one transaction are not processed as a batch but as individual transactions.
- When you approve payments in Access Online, they will be transferred from Access Online Classic to Access Online Renewed.
- Amounts above €5 million are not processed instantly.
What does this mean for you?
In the first quarter of 2026, the bulk channels FileAct and Access Direct will switch to instant payment processing.
Transactions with instant processing will then appear in the recipient's account within a few seconds. Currently, your individual transactions are still processed via a SEPA Credit Transfer batch according to the normal SEPA processing times. In most cases, the payment will not appear in the recipient's account until the next business day.
How it works
- You submit your SEPA Credit Transfers via FileAct or Access Direct. A batch entry is made on your account for the total amount of the batch. The batch is broken down into individual transactions.
- Each individual transaction in the batch is processed within 5 to 10 seconds if instant processing is possible. Sometimes this is not possible, for example because the beneficiary bank cannot process instant payments. In that case, the money will be credited to the recipient's account within 1 business day. The total processing of the entire batch may take longer.
- SEPA batches can be submitted every day, 24 hours a day. You do not need to take delivery times into account.
- Would you like the transfer batch to be processed on a specific day? Then enter your desired execution date. This can be up to 364 days in the future.
Validation of payment files
In order to process the batches instantly, stricter validation of the payment files is required. So check your files carefully. This validation ensures that the files comply with SEPA rules.
Status messages
We will no longer support Human Readable messages. We therefore advise you to switch to our ISO XML pain.002 messages as soon as possible.
If you already receive ISO XML pain.002 messages, you will see a few new status codes.
We will also introduce a new type of pain.002 message for SEPA Credit Transfer batches. This message provides a summary of the processing of the individual transactions in the batch, including a timestamp of the last transaction that was processed as instant.
Please note
- There are still some restrictions. For example, transactions in a single batch with more than 10,000 transactions are not processed instantly.
- Batches with only one transaction are not processed as a batch but as individual transactions.
- When you approve payments in Access Online, they will be transferred from Access Online Classic to Access Online Renewed.
- Amounts above €5 million are not processed instantly.
Implementation and support
Expert implementation is crucial for our cash management solutions. We collaborate closely with your finance and IT departments to ensure maximum efficiency.
Prepare thoroughly for the implementation. Quickly and easily test your SEPA and non-SEPA files using Swift MyStandards. Ensure the files are technically correct so we can process them.
SEPA Transfers and Direct Debits
You can find all the information about SEPA file formats, the ABN AMRO Addenda, and more on the SEPA download page.
Scheduled maintenance
| 2025 Releases | Go-live Dates |
|---|---|
| February Release R2502 | 8th Feb 2025 |
| March Release R2503 | 8th March 2025 |
| April Release R2504 | 12th April 2025 |
| May Release R2505 | 10th May 2025 |
| June Release R2506 | 14th June 2025 |
| July Release R2507 | 12th July 2025 |
| August Release R2508 | 9th Aug 2025 |
| September Release R2509 | 13th Sep 2025 |
| October Release R2510 | 11th Oct 2025 |
| November Release R2511 | 8th Nov 2025 |
| December Release R2512 | 13th Dec 2025 |
