SEPA at Postbank (Germany): how to upload your file (PBNKDEFF)

SEPA at Postbank (Germany)

Working with Postbank (BIC PBNKDEFF, BLZ (Bankleitzahl) 10010010)? Here is what you need to upload your SEPA file and have it processed without friction.

TL;DR

BIC: PBNKDEFF
BLZ (Bankleitzahl): 10010010
SCT cut-off: 16:00 CET
Formats: SEPA XML pain.001/pain.008, DTA legacy, EBICS
Upload path: Postbank BusinessOnline -> File management -> Submit file -> SEPA XML.

Quirks

Deutsche Bank subsidiary since 2010; retail strong via German post offices.

Step-by-step upload

Generate your SEPA XML in GenerateSEPA or export from your ERP.
Validate the batch with our SEPA XML Validator.
Sign in to online banking: Postbank BusinessOnline -> File management -> Submit file -> SEPA XML.
Confirm signing (second factor if needed).
Download the receipt.

Spotting a Postbank IBAN

Verify any IBAN with Bank from IBAN before triggering a collection or payment.

Common errors

Uploading an unsupported file format (check ‘Formats’ above).
Missing the 16:00 CET cut-off (operation rolls to D+1).
Out-of-date debtor IBAN or mandate (AC01 / MD01 returns).

Conclusion

Postbank accepts standard SEPA XML for euro operations. Follow the steps above and always validate before submitting. Confirm the exact upload path with your relationship manager if the UI differs (screens change).

Frequently Asked Questions

What is Postbank's BIC?

`PBNKDEFF`. If your system requires BIC11, append `XXX`.

What is the BLZ (Bankleitzahl) and where do I find it?

It is the national bank identifier in Germany. For Postbank it is `10010010`. It is derived from the IBAN; you do not need to enter it manually when generating SEPA XML.

Does Postbank support SEPA Instant?

Yes. Since October 2025 every bank in the SEPA area is required to offer SCT Inst (EU Regulation 2024/886).

What's the cut-off to send my file?

Postbank's usual cut-off is 16:00 CET. After that the operation rolls to the next business day. Confirm with your relationship manager.