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The familiar online banking for private customers and companies.

Here you find the latest information concerning our BusinessLine:

Business Line Version


With the implementation of EU Directive 2015/2366 (Payment Services Directive 2 - PSD 2) by the Austrian Payment Services Act - ZaDiG 2018, banks will be obliged to use two-factor authentication for their Internet banking and electronic banking products as of 14 September 2019 as well as to provide technical access to their customers' Internet banking payment accounts for Third Party Providers (TPP). 
When applied to the Austrian MultiBank standard MBS, this means that a corresponding certificate must be transmitted every time a connection is established with a MBS bank computer for secure authentication (SCA - strong customer authentication). These certificates must be created, signed and transmitted to the bank computer once for each communication officer stored in the system data. The necessary steps are described in this document on the next pages. 
The Payment Services Act also requires using of (at least) 2 different elements from the categories: 
possession (e.g. Mobile phone), knowledge (e.g. PIN ) and inherence (e.g. Fingerprint, Iris-Scan) 
for the payment order authorisation. 
Therefore, starting from September 14th, when signing a payment order using mobileTAN (TAN via SMS), 
user's PIN has to be entered (= categories Possession and Knowledge). 
When signing with cardTAN, the PIN entry is omitted, since this is already done in the card reader. 
When signing by means of digital signature, the PIN entry is omitted, since the signature password must 
be typed in the card reader (card = category possession, PIN / signature password = category knowledge). 
To meet all these requirements, we have released the new version of the BusinessLine. 

Changes in the Version 

Systemdata – Communication Officer 
The list of existing communication officers shows whether a certificate has already been created and sent to the bank computer. You can create, sign and if necessary revoke the necessary certificates via the "Edit communication rights" tab. 

Record data administration 
When using mobileTAN signature method, entering the PIN of the authorisee in addition to the mobileTAN 
will be obligatory from September 14th, 2019. Until then, the input is optional.

Update of the Existing Version: 
Check and/or make a note of the installation path of your current installation or the current database (click on "Software and System Information"). 


  • In case you use a multi-user database, contact your IT department for the update. 
  • In case you also use the BusinessCash module in addition to the BusinessLine, please do not proceed with the update yet. You will receive BusinessCash in the near future. 
  • If you are a lawyer and manage electronic escrow accounts via Vienna Bar Association, please do not proceed with the update yet. The appropriate Trustee Module version will be available soon. 

Go to BusinessLine manual

BusinessLine SP2

As of now the new version SP2 of BusinessLine is ready for download under www.baebank.at/eb (username: ba password: ba). See also the link “Baebank” in the side menu.
Please follow the instructions on our download page www.baebank.at/eb.

BusinessLine SP2 contains the following amendments:

  • Payments – fee characteristic at payments in the EEA
    According to the EU-regulation payment orders for the EEA market will always be settled with shared fees (SHA) independently of the order currency. The fee characteristic “free of charges for the beneficiary (OUR)” can only be used for the order type “urgent”. The fee characteristic “free of charges for the remitter (BEN)“ is not allowed any more. A warning will appear when trying to store such orders and also during the import of such payment files.
  • Payments – standard format import
    As of now it is possible to import XML-files according to rulebook 2017.
    Precondition: Bank server setting is set to MBS 7.0
  • Payments – standard format import
    As of now it is possible to import files in format EDIFACT PAYMUL AZV with bank server setting MBS 7.0. Such files will automatically be resolved into single orders. Afterwards you can create records in XML-format.
  • Payments – standard format import
    As of now it is no longer possible to import XML-files according to rulebook 3.2.
  • Payments – Record administration
    The dissolving of a record or a record group already transmitted to the bank server (e.g. status “accepted”) is no longer possible. Such records have to be cancelled at the bank server first to avoid possible double bookings.
  • PDF-Account statements
    As of now pdf-account statements can also manually be allocated to the account statements stored in BusinessLine (Camt.053).
    The new function “Allocate pdfs” can be found in the “edit” menu from the account statement list.
  • Payments – Record administration
    To avoid that another EB-Software receives your electronic accompanying ticket (eAT) you can activate the new checkbox “Block eAT retrieval”.
  • Info – safe-custody account
    You can now add extensive individual text in the tab „Text info“.
  • Bug Fixes in several areas of BusinessLine

Already contained in BusinessLine (with several ServicePacks):

  • Bank server
    As of now the new standard MBS 7.0 is available per bank server. With MBS 7.0 you will be able to treat and send data carriers according to the current rulebook (RB 7.0 – RB 9.0). The switch to MBS 7.0 will be executed automatically if no payment records exist in the record administration.
  • Payments – electronic accompanying ticket
    Electronic accompanying tickets (eAT) may also contain order details. The activation of this function has to be done under Extras – Options.
  • Payments – standard format import
    The hash value of the imported XML data will be shown to you for checking reasons after successful import. This feature enables you to verify without any doubt if your import data was changed. Prerequisite for this feature is the creation of the hash value by your accounting software.
  • General
    The respective site is once again reachable via the button „BusinessLine NEWS“.
  • Return data packages (XML)
    As of now it is possible to order status answers to your payment records in the XML format pain.002 for further processing (separate agreement necessary).
  • Return data packages (XML)
    Furthermore the ordering of bank fees in the XML format Camt.086 is possible (separate agreement necessary).
  • Systemdata – Remitter accounts
    With the new version you are enabled to deactivate accounts (e.g. already balanced accounts for which you want to further receive the historical account information). Deactivated accounts will be deleted automatically from all account query packages and the authorisee-account connection will be dissolved.

Already contained in BusinessLine (with several ServicePacks):

  • Payments – IBAN with invalid check digit
    You get a warning after entering an invalid IBAN
  • Payments – IBAN only
    Starting with Feb 1st, 2016 it is no longer necessary to enter a BIC in a SEPA credit transfer, the indication of the beneficiary’s IBAN will be sufficient.
  • Payments – TAX transfer
    If you enter an IBAN of an Austrian tax office in the SEPA credit transfer screen, a warning will occur during saving because the payments to the tax office have to be entered with the special tax transfer screen.
    All current tax types are included.
  • Payment transfers – free format import
    As of now a designated record control number can be imported with the free format import.
  • Record administration
    If you try to delete a record with a status that indicates that the record is already transmitted to the bank server you will be asked to revoke the record at the bank server first. This functionality should avoid double transmission and double execution of your record.
  • Record administration
    As of now you will be able to dissolve several imported records in one single step. You will only have to confirm one single inquiry instead of an inquiry at each record dissolution.
  • Record administration – signature with CardTAN
    Records already “presented for signing” which have to be signed collectively can also be saved only with one signature -> status “1st signature”
    The required 2nd signature can be entered later.
  • Record administration – signature
    If a collective signing is required, “authorisee 2” may sign before “authorisee 1”. The sequence order (Authorisee 1 signs before authorisee 2) is no longer relevant.
  • Data transmission
    As of now the data encryption at the set-up of the connection is executed with TLS instead of SSL. This change was necessary in order to eliminate a theoretical security risk with SSL encryption. The adjustment from SSL to TLS will be executed automatically after the first login.
  • General
    At all entry masks with the menu item “delete fields” also the key combination <STRG>+D can be used.
  • PDF account statements
    As of now the pdf account statements can also be displayed directly in BusinessLine. You only have to activate the option “connect pdf data files with account statements” under the menu “eKA query packages (pdf)”.
  • “Fixed transfer routes” – signature with MobileTAN
    The list for the fixed transfer routes can also be signed with MobileTAN.
Update to MBS 7.0 (BusinessLine

Dear BusinessLine user,

changes in the area Electronic Banking (e.g. SEPA payment transactions, format adaptions, encryption methods, signature methods,…) caused permanent adaptions of the Electronic Banking standard (MultiBankStandard, MBS) and therefore also of the software BusinessLine in the last years.

Now it is essential that all users switch to the updated MultiBankStandard MBS 7.0.

Precondition of the switch is the version BusinessLine!

If you still use an elder version, it will be absolutely necessary to execute the update. The current version will be at your disposal to be downloaded under www.baebank.at/eb (User: ba Password:ba)

Kindly follow the instructions on the respective download page.

BusinessLine versions elder than version 8 will no longer be supported from dd.mm.yyyy !

All innovations will be available from MBS 7.0 (see separat BusinessLine NEWS article).

After successful installation of BusinessLine you only have to switch from data format MBS 5.1/6.0 to MBS 7.0 in the menu “System data – Bank server”. Mark the bank server which has to be adapted and click on the tab “CHANGE bank server”. Here you will be able to switch to MBS 7.0 via the selection list in the field “Data format”.

Please consider that the switch can only be executed successfully if no records for this bank server are contained in the record administration. Furthermore, all remitter accounts have to be switched to IBAN. An instruction for the switch can be found adjoining for download.

Information on the account statement in the MT940 format

If you are already processing account statements in the MT940/942 format in your accounting system, please consider that the display of separately booked SEPA transactions changed as of 29 October 2012.

These transactions were previously displayed like domestic transactions, but these transactions have been assigned separate transaction codes since the accounting entry date 29 October 2012. In the case of SEPA transactions Field 61/Subfield 7 and Field 86 are displayed in a more specific manner.

Field 61/Subfield 7 will be allocated so-called identifiers (abbreviators):
EREF+ … for SEPA credits (indicates the payment reference)
MREF+ …for SEPA direct debits (indicates the mandate reference)
KREF+ … for the remitter of the payments (indicates the record control number)

Field 86 contains additional SEPA-specific transaction codes, including:
105… SEPA direct debit (single booking debit side, B2C business to consumer)
109… SEPA direct debit (debit side; return debit)
116… SEPA transfer (single booking debit side)
159… SEPA transfer return booking (credit side)
166… SEPA transfer (single booking credit side)

Starting with Subfield 20 you will moreover find the reference which corresponds to the identifier in the Field 61/Subfield 7,e.g.:

:86:166~Gutschrift~1008515~20EREF+here is the payment~21sreferenz...

All details are available in the official Austrian MT940 Documentation of STUZZA (Studiengesellschaft für Zusammenarbeit im österreichischen Zahlungsverkehr – Association for Cooperation in Payment Transfers).

If you have any further questions please contact your Electronic Banking advisor or our ServiceLine: + 43 (0)5 0505 26200

In case of further questions please contact our ServiceLine: +43 (0) 50505-26200