Bank connection authorizations

The implementation of automatic payment transfers requires that the owner of the bank account authorizes the Procountor service to carry out the data transfer operations necessary in the payment transfers.

It should be noted that if the authorization form is delivered via email to the bank, the bank may require it to be specifically in PDF-form. The bank may provide further details.

It should also be noted that some banks (Nordea for example) may require also an electronic signature for the final confirmation of the authorization form. This is made in the internet bank with banking authentication codes. This phase is subsequent to the delivery of the authorization form to the bank. Only after the electronic signature has been made, the services are activated.

The authorization is executed by the user filling out the authorization form and delivering it to the bank. Based on this authorization, the bank provides the required identification codes and attaches the services to Procountor's bank identifiers. Accountor Finago has no access to the funds on customer companies' bank accounts, but acts as an intermediator of payment files between Procountor and the bank.

The bank account has to be a corporate account in order to use it in Procountor. Generally, banks can not authorize a third party software house (Accountor Finago Oy) to handle payment material of private individuals.

This page includes the forms for different banks and instructions for filling out the authorization forms.

After the bank connection authorization has been filled out and delivered to the bank, the bank account number is added to the Procountor environment. Detailed information about the implementation of bank connections can be found here.

 

Forms

It is recommended to download the PDF file to the computer and then fill it out.

The forms below except Aktia support bank account balance request.

Bank	Download form	Additional information
Aktia	PDF Word	Note that the real-time bank account balance cannot be enabled for the Aktia bank account.
Danske Bank	PDF Word
Handelsbanken	PDF Word
Nordea	PDF Digital form*	Instructions for filling out the PDF form can be found here. Instructions for filling out the Digital form can be found here. * The Digital form - link takes you to Nordea's page where you can fill in a digital power of attorney to open and change payment services. Digital power of attorney is only suitable for limited liability companies, sole traders, general partnerships, and limited partnerships. Registered associations, foundations, and housing companies can fill in the PDF form. The digital form cannot be used to activate currency payments. If you need to activate currency payments in Procountor fill in the PDF form.
OP-Pohjola Group	PDF Word	Instructions for filling out the form can be found on the second page of the document.
POP banks	PDF
S-Bank	PDF Word	Note! S-Bank doesn't offer banking services for small businesses, associations and farm enterprises at the moment. More information can be found here (in Finnish).
Savings Banks (Säästöpankit ja Oma Säästöpankki)	PDF Word
Ålandsbanken	Word

 

It should be noted that if the bank account balance feature is activated by the bank to such company that already has a bank connection authorization with Procountor, the bank account balance feature can be activated with the same intermediary details the company has been using in Procountor. The forms that are available above feature the newest intermediary details such as the newest available web services channel but the older details can be used as well if the company so prefers. The company should however discuss this with their bank

 

Exceptions

•  DNB and SEB have their own authorisation forms for Procountor; in these cases, you must contact your bank. SEB’s customers can contact their bank also by email (clientservices@seb.fi).
• In case of OP, Nordea and Danske Bank, it should be taken into an account, that the Web Services channel is on the authorization contract. Bank specific WS channels are listed below:

 

Bank	WS-channel number	Number is called	In use on contracts before/starting
Nordea	922309311640	Agreement number	Contracts starting from August 2022
Nordea	863848903815	Agreement number	Contracts starting from October 2021
Nordea	820423307292	Agreement number	Contracts starting from December 2020
Nordea	749969303685	Agreement number	Contracts starting from April 2020
Nordea	645385600484	Agreement number	Contracts starting from April 2019
Nordea	471700901319	Agreement number	Contracts starting from 2018
Nordea	33663022	Agreement number	Contracts starting before 2018
Op	1000064472	Customer ID	Contracts starting from 2019
Op	1000019742	Customer ID	Contracts starting before 2019
Danske Bank	6A2169	WS-contract number 2C2161	Contracts starting before October 2019
Danske Bank	1J9040	WS-contract number 2K5698	Contracts starting from October 2019

 

 

Filling out the authorization form

The authorization form is selected based on the bank that is used. Required information should be filled out and then the form can be printed and signed. After signing the form, it can be taken to the bank office or sent by an email mentioned in the form.

Bank connection authorization is a contract between the customer and the bank. Accountor Finago delivers the data but does not get specific information about the content or the mode of the bank authorization. Thus, any questions regarding the content or the mode of the authorization, should be assigned straight to the bank.

Below is told, what information should be filled out in the form. Banks use their own terms for services and the different terms are listed under the service.

 

Information to be filled out

Our company/organisation

• Here you can fill in the company’s / organisation’s name, business identity code and bank account information. The IBAN bank-account number can be found (if already added to Procountor)/generated in Management> Company info > Bank account information. The IBAN bank account number is used in SEPA payment transfer, international payment transfer and Finvoice e-invoice transfer.

The payment transfer services to open

• Mark here the services to be used through Procountor.
• When filling out the bank account information, the same services should be selected to the account on Bank account information view.
• Payroll payments are used for payments through SEPA only, allowing the entry of payment date, i.e. the debit date from the payer’s account.
• SEPA credit transfer: used for all types of euro payments with banks located in the SEPA area.
  • Terms in use
    • SEPA credit transfer (C2B XML)
    • C2B payment agreement
• SEPA instant payments: used for instant payments. If this service is not mentioned separately on the form, it is included in the SEPA credit transfer -service.
• Currency payments mean foreign payments with material type C2B.  If this service is not mentioned separately on the form, it is included in the SEPA credit transfer -service.
  • Terms in use
    • SEPA currency transfer (C2B XML)
    • Foreign currency payments
• Inbound reference payments enable reception of reference payments.
  • Terms in use
    • incoming reference payments (on a daily basis), KTL format
    • reference service agreement
• Bank statement as line transfer: selection is mandatory.
  • Terms in use
    • Bank statement as line transfer (obligatory), TITO format
    • Electronic bank statement
    • E-statement TITO
    • Bank statement as line transfer (obligatory), TITO/KTO-form

• The real-time bank account balance feature:  allows users to see the real-time balance of bank accounts directly in Procountor. Feature needs to be enabled also in Procountor for specific bank accounts on the Bank account information view. Read more about the feature here. If this service is not mentioned separately on the form, it can be included in the Electronic bank statement -service.

  • Terms in use
    • Real-time bank account balance, CAMT.052-form
    • Real-time bank account balance
    • Balance and transaction statement
    • Real-time bank account balance, TATO-muoto (0710)
• In order to implement SEPA payments, Payroll payments, express payments or outbound currency payments i.e. foreign payments in Procountor, you must activate them in Management > Company info > Bank account information. Banks charge the payment service fees directly from the customer.

The periodicity of the account statement service

• In the account statement period, you can define how often the bank account statement date is retrieved from the the bank.
• Depending on the bank there can be several periodicity options to choose from.
• In order to keep your information always up-to-date, we recommend retrieving the account statement daily. When selecting the weekly or monthly statement, the accounting data in Procountor will be updated with a delay of a week or a month.

E-invoice agreements to apply

• The option will only be filled out if Finvoice e-invoice services are wanted to put in use. If the Apix Messaging Oy’s electronic invoice addresses are already in use, Finvoice e-invoice services are not needed, unless there is an intention to send electronic invoices to the customers. Apix Messaging Oy’s electronic invoice addresses are put in use by Procountor, and they do not require bank connection authorization.
• When services are applied, the bank will supply the required addresses for reception and/or sending of invoices. These addresses will be saved in Procountor in management > Company info > Electronic invoicing addresses.
• Sending Finnvoice e-invoices: order the sending address for e-invoices operated by the bank.
• Receiving Finvoice e-invoices: order the receiving address for e-invoices operated by the bank.

Implementation date of the service

• Enter here the start date of the selected data transfers operations through Procountor.
• Please note! The company info as well as the bank and account information must be entered in Procountor before the implementation date, otherwise the data cannot be transferred between Procountor and the bank.

Customer ID

• After the bank has processed the authorization, it will create the customer ID to the customer. The ID is required when using the payment functions.
• The customer ID must be entered in Bank account information view to the Banking code field.
• Fill out the contact information of the person, who will receive the notification and the customer ID, when the authorization is processed.

Date and signature of the authorizing company

• In order to be valid, the place, time signature and the clarification of the signature are mandatory.