Sending SEPA transfers

Simple mode

You can create a simple SEPA transfer using this convenient client method:

class fints.client.FinTS3Client(bank_identifier, user_id, customer_id=None, from_data: bytes = None, product_id=None, product_version='4.0.0', mode=<FinTSClientMode.INTERACTIVE: 'interactive'>)[source]
simple_sepa_transfer(account: fints.models.SEPAAccount, iban: str, bic: str, recipient_name: str, amount: decimal.Decimal, account_name: str, reason: str, instant_payment=False, endtoend_id='NOTPROVIDED')[source]

Simple SEPA transfer.

Parameters:
  • account – SEPAAccount to start the transfer from.
  • iban – Recipient’s IBAN
  • bic – Recipient’s BIC
  • recipient_name – Recipient name
  • amount – Amount as a Decimal
  • account_name – Sender account name
  • reason – Transfer reason
  • instant_payment – Whether to use instant payment (defaults to False)
  • endtoend_id – End-to-end-Id (defaults to NOTPROVIDED)
Returns:

Returns either a NeedRetryResponse or TransactionResponse

You should then enter a TAN, read our chapter Working with TANs to find out more.

Advanced mode

If you want to use advanced methods, you can supply your own SEPA XML:

class fints.client.FinTS3Client(bank_identifier, user_id, customer_id=None, from_data: bytes = None, product_id=None, product_version='4.0.0', mode=<FinTSClientMode.INTERACTIVE: 'interactive'>)[source]
sepa_transfer(account: fints.models.SEPAAccount, pain_message: str, multiple=False, control_sum=None, currency='EUR', book_as_single=False, pain_descriptor='urn:iso:std:iso:20022:tech:xsd:pain.001.001.03', instant_payment=False)[source]

Custom SEPA transfer.

Parameters:
  • account – SEPAAccount to send the transfer from.
  • pain_message – SEPA PAIN message containing the transfer details.
  • multiple – Whether this message contains multiple transfers.
  • control_sum – Sum of all transfers (required if there are multiple)
  • currency – Transfer currency
  • book_as_single – Kindly ask the bank to put multiple transactions as separate lines on the bank statement (defaults to False)
  • pain_descriptor – URN of the PAIN message schema used.
  • instant_payment – Whether this is an instant transfer (defaults to False)
Returns:

Returns either a NeedRetryResponse or TransactionResponse

Full example

client = FinTS3PinTanClient(...)
minimal_interactive_cli_bootstrap(client)

with client:
    if client.init_tan_response:
        print("A TAN is required", client.init_tan_response.challenge)

        if getattr(client.init_tan_response, 'challenge_hhduc', None):
            try:
                terminal_flicker_unix(client.init_tan_response.challenge_hhduc)
            except KeyboardInterrupt:
                pass

        tan = input('Please enter TAN:')
        client.send_tan(client.init_tan_response, tan)

    res = client.simple_sepa_transfer(
        account=accounts[0],
        iban='DE12345',
        bic='BIC12345',
        amount=Decimal('7.00'),
        recipient_name='Foo',
        account_name='Test',
        reason='Birthday gift',
        endtoend_id='NOTPROVIDED',
    )

    if isinstance(res, NeedTANResponse):
        print("A TAN is required", res.challenge)

        if getattr(res, 'challenge_hhduc', None):
            try:
                terminal_flicker_unix(res.challenge_hhduc)
            except KeyboardInterrupt:
                pass

        tan = input('Please enter TAN:')
        res = client.send_tan(res, tan)

    print(res.status)
    print(res.responses)