Direct bank integration for secure, automated bank communication

Connect your ERP directly to your bank to automate payments and bank statements, reduce manual handling, and improve control across your finance workflows.
See list of supported banks

Why use direct bank communication?

Direct bank integration (Host-2-Host) connects your ERP directly to your bank, allowing automated exchange of payment files and bank statements without manual file handling.. Instead of relying on users to export, upload, download, and import files across multiple systems, finance teams can move bank communication into a more controlled and automated workflow.

For companies with higher security requirements, larger payment volumes, or a need for more direct bank connectivity, this setup can improve process stability, reduce operational risk, and support a more efficient cash management flow.

Less manual work

Automate payment files and bank statements directly from your ERP. Reduce manual handling and eliminate repetitive tasks.

Stronger security and control

Secure bank communication with controlled workflows, approvals, and reduced operational risk.

Replace manual bank processes with automated integration

No more exporting, uploading, and reconciling files manually

Direct bank communication reduces the manual handling often involved in file-based payment and statement processes. Instead of relying on users to export, upload, download, and import files across multiple systems, finance teams can move bank communication into a more controlled and automated workflow.

For companies with higher security requirements, larger payment volumes, or more complex banking setups, direct integration can improve process stability, reduce operational risk, and support a more efficient cash management flow.

Supported connection methods

AMC Banking supports multiple connection methods depending on your bank and setup.

SFTP

Webservice Connections

API’s

PSD2 API’s

When is direct bank integration relevant?

Direct bank integration is especially relevant if your company:

  • Handle high payment volumes
  • Operate across multiple banks or countries
  • Want to reduce manual banking processes
  • Require stronger control and security
  • Need more automated and scalable workflows
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See how direct bank integration works in practice

FAQ

What is direct bank integration?

Direct bank integration connects your ERP system directly with your bank to handle payments and bank statements without manual file handling.

Instead of exporting payment files, uploading them to bank portals, and importing bank statements manually, all communication happens automatically between your ERP and the bank.

This allows finance teams to manage payments, retrieve bank data, and reconcile transactions directly within their ERP system in a more controlled and efficient workflow.

How is direct bank integration different from manual bank file handling?

Manual bank file handling requires finance teams to export payment files from the ERP, upload them to the bank, download bank statements, and import them back into the system.

Direct bank integration removes these steps.

With direct integration:

  • Payments are sent directly from the ERP to the bank
  • Bank statements are automatically retrieved
  • No manual uploads or downloads are required
  • The entire process is more automated and consistent

This reduces manual work, minimizes errors, and improves process control across the finance function.

Which banks support direct integration?

Support for direct bank integration depends on the bank, country, and communication method.

Many banks support direct integration through:

  • Host-to-host connections
  • APIs or web services
  • Secure file transfer (e.g. SFTP)
  • PSD2-based connections in supported regions

AMC Banking supports a wide range of banks globally and works with different integration methods depending on your setup. See our supported banks list.

Can direct bank integration be used with Business Central?

Yes. Direct bank integration can be used with Microsoft Dynamics 365 Business Central.

It allows you to:

  • Send payments directly from Business Central to your bank
  • Automatically receive bank statements
  • Manage approvals and workflows within the ERP
  • Reduce reliance on external bank portals

This enables a more streamlined and integrated cash management process directly inside Business Central.

Is direct bank communication more secure than manual file handling?

Yes, in most cases direct bank communication is more secure than manual file handling.

Manual processes involve multiple steps such as exporting, uploading, downloading, and importing files, which increases the risk of:

  • Human error
  • File manipulation
  • Incorrect handling of sensitive data

Direct integration reduces these risks by:

  • Automating the communication between ERP and bank
  • Limiting manual touchpoints
  • Supporting controlled workflows and approvals
  • Enabling more secure handling of payment and bank data

This results in a more reliable and controlled banking process.

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