Electronic Banking for Dynamics 365 Business Central – Integration with local banks in multiple countries

How to better manage electronic banking in Dynamics 365 Business Central?


Electronic Banking is an extension of the standard electronic banking functionality in the ERP Microsoft Dynamics 365 Business Central system. Our solution enables the integration of the system with banks. It improves the handling of payment transfers to banks and the import of bank statements, as well as the settlement of payment transactions in Business Central.

Electronic Banking logo
Electronic Banking

Thanks to Electronic Banking, ERP system Dynamics 365 Business Central users can settle payments much faster and more correctly by using the functions such as:


    • defining the templates for payment proposals and bank statements for a given bank,
    • generating payment proposals for customer, vendor and employee entries to be sent electronically to a bank,
    • manual or automatic selection of documents for payment with the Suggest Payments function,
    • defining transfer priorities for specific customers, vendors and employees,
    • managing process flows by defining user roles and payment priorities,
    • importing bank statements from the bank and their automatic settlement with open receivables and payables entries using advanced mapping features,
    • the ability to generate the necessary reports.


Electronic Banking is a solution designed both for companies operating locally and globally. By facilitating the exchange of data with multiple banks in different countries, Electronic Banking provides business worldwide with better opportunities to manage their cooperation with international contractors.

The solution was developed based on the previous IT.integro development and implementation experience with its own add-on module for the Microsoft Dynamics NAV system (previous version of Microsoft Dynamics 365 Business Central).

Electronic Banking in Dynamics 365 Business Central for businesses in different countries

Methods and rules for exchanging payment data that companies must comply with may vary depending on the bank or country. Specific requirements are also related to local legal regulations on electronic banking and necessary integration with a local Business Central functionality.

The Electronic Banking solution developed by IT.integro enables companies working with Business Central in different countries to properly manage electronic banking processes by implementing dedicated interfaces, available within the Electronic Banking Extension applications.

IT.integro is constantly working on developing interfaces for other banks and countries. Information on available and planned interfaces is available on the application documentation web pages.

Integration with banks in different countries


Electronic Banking for Dynamics 365 Business Central includes:


· Electronic Banking Base App with complete and enhanced online banking functionality

· Electronic Banking Extension applications that enable data exchange with banks via dedicated interfaces and integrate with local Business Central functionality in individual countries.


The Electronic Banking solution enables the user to standardize electronic banking processes and use interfaces that allow for electronic data exchange between the application and banks the companies cooperate with in different countries.

Electronic Banking Base App and Extensions

What companies has been Electronic Banking designed for?


Electronic Banking is a solution addressed to both companies operating in one country and global companies. It ensures standardization and effective handling of electronic banking processes. By facilitating the exchange of data with many banks in different countries, Electronic Banking guarantees companies worldwide better cooperation with their international contractors.

Electronic Banking compared to the standard functionality of ERP system Dynamics 365 Business Central


Electronic Banking provides a number of enhancements that facilitate payment processing and data exchange with banks. The application allows users to prepare automatic or manual bank transfers for vendors and customers without leaving Dynamics 365 Business Central. The bank transfers selected can be approved and viewed in the electronic banking register and then, sent to the banking system. It is also possible to reconcile bank statements with the customer and vendor ledger entries on the basis of which bank transfers were created.

Electronic Banking

Payment Proposal Templates


The payment proposal template allows you to set up a connection between the banking interface available within the Electronic Banking Extension application for a given country and a bank account specified in Dynamics 365 Business Central. For each bank interface, you can define more than one template.

Payment proposal templates allow the user to predefine and handle multiple transfer scenarios for a selected bank account.

Generating Payment Proposals


Electronic Banking reduces the time required to create transfer orders to a necessary minimum. The process can be fully automated by defining a payment proposal template and using the Suggest Payment function.

Suggesting payments enables you to automatically create payment lines for unapplied vendor or customer entries. Thanks to these functions, the user’s role comes down to indicating the entries for which payment is to be made and sending the generated transfer orders to banks in the form of payment proposals.

Payments suggested by the system can be changed or deleted. You can also enter transfer orders manually.

Payment Proposal Export


You can generate and send transfer orders to the bank with just one click. Payment data can be exported to banking systems as files or be automatically transferred by using the web service or host-to-host technology.

Importing Bank Statements


Electronic Banking allows you to import bank statements from files downloaded from a bank’s system or download them by the using web service or host-to-host technology. Imported bank statement data is processed within a dedicated data structure in the application in order to settle payments it with invoice entries. The settlement process uses advanced settlement suggestion and data mapping features to automatically search for vendor, customer, and employee accounts for each bank statement line.

Based on archived payment proposal data, relevant transfer files are generated and sent within individual banking interfaces.

As part of the extended import functionality, the processes of bank statement recording and reconciliation (settlement) in Business Central are much more efficient and error-free.

Defining Payment Priorities


Electronic Banking allows for defining payment priorities and payment amount limits. The application raises the efficiency of managing your financial assets thanks to the automated payment processes and flexibility in handling payment settlements for employees and contractors.

Archived Payment Proposals


Completed payment proposals are stored as read-only archived payment proposals. They are a source of historical data about transfers made to banks. Archived payment proposals contain data on the basis of which new transfers are generated within different bank interfaces offered in Electronic Banking Extensions. They are also used to automatically suggest the settlement of bank statements.

Electronic Banking Register


The Electronic Banking Register page displays all transfer operations performed in Electronic Banking.

User Roles in the Payment Proposal and Bank Statements Processing


The application allows you to set up the workflow for electronic banking users and manage their permissions. You can assign appropriate roles to users to handle each step of the payment process. Depending on the role, the user can create, accept, and post bank statements or payment proposals.

Flexible Interface


Files in the MT 100 (for transfer orders), SEPA (EUR) and MT 940 (for bank statements) formats are commonly used as standard formats for data exchange between the bank and external systems. To some extent, each bank can adapt these standard formats to its own requirements, which means that the final data formats differ between banks.

Electronic Banking enables flexible selection of formats for exported and imported files. All required formats are supported in bank interfaces available within Electronic Banking Extension applications. The Electronic Banking Base App supports only the pain.001.001.03 format – that is also used in the standard Business Central application.

Communication and data exchange with banks


Communication with bank systems within Electronic Banking can be performed based on file exchange and direct data exchange with the use of web service and host-to-host technologies. Interfaces that support communication and data format types specific for particular banks are delivered within the Electronic Banking Extensions application.

Key Benefits

Shorter and automated handling of banking operations (such as exporting transfers and importing bank statements)

Flexible definition of the format of exported and imported files on the basis of payment proposals and bank statements

Advanced search algorithms and data mapping capabilities for efficient processing of multiple bank statements

Error reduction by eliminating manual entry of bank statements into the system

Enhanced accuracy and accelerated accounting processes

Improved collaboration with banks and contractor

Better control over the settlement and transfer process

For global companies – the standardized electronic banking process across countries, and the flexibility to set up data exchange with individual banks

Ability to handle diverse local communication and data exchange requirements with banks, as well as legal compliance in electronic banking

How much do Electronic Banking applications cost?

In the case of the Perpetual License, the prices are increased by the Enhancement Plan (EP) fee.

Available on the Microsoft AppSource marketplace


The Electronic Banking applications are developed and provided by IT.integro – the Microsoft Gold Partner. IT.integro is a Strategic Microsoft Dynamics 365 Business Central Partner in Poland and it specializes in developing innovative business applications. The applications by IT.integro are available on the Microsoft AppSource marketplace.

The main component of our solution for managing electronic banking – Electronic Banking Base App – is available for free on the marketplace.

Electronic Banking

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