Basics·DE

Transfers, templates and scheduled transfers

Send free SEPA transfers straight from Accountix, save recipients as templates, schedule one-off or recurring transfers, and trace every transfer in the ledger.

Updated: 17 October 2026·13 min read

What the Bank page does

The Bank page (main menu, item 05) brings everything about your bank accounts together:

Transactions: the account activity of the selected account with automatic invoice matching, tags and tag rules (as before).
Transfers: every transfer initiated from Accountix - typed in, from an incoming invoice, as a batch or from a schedule - with the bank's verdict.
Scheduled: transfers that become due on a date or at regular intervals. Accountix reminds you and you release them with one click.
Templates: saved recipients with an optional default amount and purpose.

Four tiles at the top show the current balance of the selected account, the number and sum of transfers due, the volume transferred in the last 30 days, and the next scheduled transfer.

You need an account connected via FinTS (see Bank accounts). Transfers are reserved for administrators and only possible in a signed-in session - not through an API key.

New transfer

Click New transfer and fill in the form:

Template (optional): a saved template fills recipient, IBAN, BIC, amount and purpose at once.
Recipient and IBAN: the IBAN check digit is validated as you type. For a German IBAN Accountix shows the bank's name and fills in the BIC automatically - the BIC is optional for SEPA transfers anyway.
Amount: in euro, either "1.250,00" or "1250.00".
Purpose: up to 140 characters. Umlauts and special characters are translated into the SEPA character set ("Miete März" becomes "Miete Maerz"), so the text reaches the bank exactly as it will later appear on the statement.
Execution: Now, On a date or Recurring (see below).
From account: Accountix preselects the active company's current account and fetches the live balance from the bank. If it does not cover the amount, the form warns you.
TAN method: your usual approval method, for example the SecureGo app.
Instant transfer: on by default. As SEPA Instant the money reaches the recipient within seconds and cannot be recalled. Untick the box for an ordinary transfer. If your bank does not offer instant transfers via FinTS, Accountix says so and you resend without instant. The setting applies to Pay now from an incoming invoice as well and is stored with scheduled transfers for their later execution. Batch transfers from incoming invoices always run as standard transfers. One exception to the default: as soon as the payee IBAN or BIC is there, Accountix checks the payee's bank, and where it does not accept instant transfers (SEPA Instant register, or a reversal we have watched) the box starts unticked with the reason below it - you can still tick it. A listed participant is noted as such. This check runs in all three dialogs: New transfer, Pay now and Scheduled transfer.
Save as template: creates a template when sending.

Continue to review shows everything at a glance - recipient, IBAN, amount in large type, purpose, account and balance. Only Release transfer sends the order to the bank.

Approval at the bank

The bank requires your confirmation for every transfer (strong customer authentication under PSD2). Depending on the method a TAN prompt appears, or Accountix waits until you have approved the order in your banking app. If the bank checks the recipient name (Verification of Payee) and it does not exactly match the account holder, Accountix shows the bank's verdict and you decide whether to transfer anyway. A mismatching name is a typical fraud pattern - double-check the IBAN in that case.

After the approval Accountix shows the bank's status. Only an unambiguous "Successful" means the order was accepted; anything else is listed with the bank's message under Transfers.

Example: you transfer EUR 1,250.00 to "Vermietung Musterstrasse GmbH", purpose "Miete Buero Oktober", from SKE's current account. After "Release transfer" you confirm in the SecureGo app; a few seconds later the transfer shows as "Successful" in the list.

Templates

Under Templates you save recipients you pay regularly: name, IBAN, BIC, optionally a default amount, a purpose and the account you usually pay from. A template belongs to the active company or - with the "All companies" checkbox - to every company of the tenant.

Transfer opens the transfer form with every field prefilled; amount and purpose can be adjusted before sending.
Schedule creates a scheduled transfer from the template.
From the Transfers list any executed transfer can be saved with As template.

Accountix counts how often a template is used and sorts the recently used ones to the top.

Example: template "Tax advisor" with IBAN, purpose "Honorar" and no fixed amount. For the monthly fee you pick the template, enter the amount from the invoice and release.

Scheduled transfers

A scheduled transfer is not executed immediately but becomes due on a date - once or regularly (weekly, monthly, quarterly, yearly), optionally with an end date.

Good to know: Accountix does not execute scheduled transfers on its own. Your bank requires your personal approval for every transfer, and no program can give that approval for you. So Accountix reminds you in time and you release with one click:

A few days before the date (configurable, default 3 days) and on the due date every administrator of the tenant receives an email listing the upcoming transfers - once per due date, no daily nagging.
On the overview the Scheduled transfers tile shows the next dates; due rows are highlighted.
On the Bank page the Transfers due tile turns amber and the Scheduled tab carries the number of due transfers.

Execute now opens the release dialog: account and balance, TAN method, then the usual path through the bank. After a successful execution a recurring transfer moves to its next date automatically; a one-off is done.

Further actions per row: Skip (recurring only: the current date is dropped, the next one stays), Pause and Resume, Edit, Delete.

For monthly and longer intervals Accountix remembers the original day: a transfer "on the 31st" runs on the 28th in February and on the 31st again in March.

Example: office rent EUR 1,250.00, "Recurring", monthly, first execution on 1 Oct 2026. The reminder arrives on 28 Sep; on 1 Oct the row sits at the top as "due". You click "Execute now", confirm in the app - and the next date is 1 Nov.

The Transfers list

Every transfer initiated from Accountix appears here with date, recipient, purpose, amount, status and source:

Status	Meaning
Successful	The bank accepted the order.
Declined	The bank did not execute the order; the bank's message is shown under the purpose.
Aborted	The process was not completed (dialog closed or expired).
In progress	The approval is running right now.
Returned	The bank gave an already executed order back later on (see below).

The source shows where the transfer came from: Free, Invoice (with a link to the incoming invoice), Batch (batch transfer from incoming invoices) or Scheduled. Transfer again turns a row into the starting point for a new transfer.

When the connection drops during the approval

Approving happens outside Accountix: you switch to your banking app, confirm there and come back. On a phone the browser suspends the open connection to Accountix while you are away - the order at the bank carries on regardless.

Accountix therefore gives every attempt its own reference. If the connection drops, the dialog does not report an error but "Connection lost - checking the result with your bank" and asks for the outcome of that attempt until it is settled:

Executed: you get the normal confirmation and the invoice is paid.
Declined: you get the bank's message.
Still open: if the approval has not been confirmed by then, Accountix says so explicitly and asks you to look at Bank › Transfers before trying again - the order may still go through.
Never arrived: if the order did not reach the bank, that is stated too, and you can safely start over.

The same reference also prevents a double payment: if the very same attempt is sent again, Accountix only reads its state instead of placing a second order with the bank.

Returned transfers

A transfer counts as Successful the moment the bank accepts the order. In rare cases the bank hands the money back afterwards - for instance when the recipient's account cannot accept an instant transfer. The statement then carries a credit with a text such as "Storno der Buchung des Auftragsbetrages 345,10 EUR vom 02.10.2026 SVWZ: Rechnungsnummer RE-142-2026".

Accountix spots that credit on the next retrieval and matches it to the transfer it undoes. Three things follow:

The transfer gets the status Returned, with the date and the bank's text below the purpose.
If the transfer had paid an incoming invoice, that invoice goes back to Received and is open again. Its notes record when the money came back. If you have paid the invoice with a second transfer in the meantime, it stays paid and only the note is added.
If it was an instant transfer, Accountix remembers the recipient's bank. The next transfer to that account starts with Instant transfer switched off and a note saying when an instant transfer there came back. An ordinary SEPA transfer does arrive in these cases.

The matching is deliberately strict: Accountix only acts when exactly one transfer fits the credit (same amount, same account, matching purpose or booking day). When it stays unclear, nothing is changed - the credit simply sits in your transactions and you decide yourself. The reversed debit is also marked void, so it cannot mark the reopened invoice as paid again.

Transfer confirmation as PDF

For every completed transfer Accountix produces a transfer confirmation as an A4 PDF on request - right after the approval via Print confirmation (PDF) or later in the list via Confirmation (PDF). The PDF opens in a new tab; print or save it from there as usual.

The confirmation contains the amount, payer (company, account, IBAN, BIC), payee (name, IBAN, BIC), purpose, order type, execution (instant or standard), the time of submission and completion, the bank's response, the initiating user, the end-to-end reference and the transaction ID. The bank's status appears as a stamp at the top right: Executed, Declined, Aborted or Unknown.

Example: you transfer 1,250.00 EUR rent to the property manager and the bank reports Successful. The confirmation shows "EUR 1,250.00", the stamp EXECUTED, "Instant transfer (SEPA Instant)" and the time of approval - a record you can pass on to the property manager or your accountant.

The PDF's language follows the language of the interface (German or English). The confirmation documents the order submitted to the bank and the bank's reply; the bank statement remains authoritative for execution and value date.

What an opened booking shows

Every line on the Transactions tab opens up - click the line or the arrow on its left, or tap the booking on a phone. On a phone the Bank page lists are cards rather than tables, and scrolling settles on card boundaries so none is ever left half shown. Below it you see what the bank actually sent:

Booked on and, where it differs, the value date.
Payee or sender and the IBAN in full, not truncated.
The remittance at full length. Banks pack several fields into that one text; Accountix takes them apart again and shows end-to-end reference, mandate reference, creditor identifier and the rest each under its own name.
On a returned transfer, the bank's own booking text that precedes the remittance proper.
On a batch transfer, the invoices that this single debit paid.
Every action for the booking: Transfer again, Assign manually or Remove link, and Tag rule ..., plus the bank's own reference for support queries.

The line itself keeps the Assignment column showing where the booking stands - and, where there is a suggestion, the Apply suggestion button, so assigning stays a single click.

Repeating a payment

A recurring payment - a salary, the rent, a membership fee - has usually gone out before. Instead of typing it again, start the next one from the last:

On the Transactions tab: find last month's booking, open the line (click the line or the arrow on its left) and click Transfer again. This works for any booked debit that names a payee IBAN, including payments you made back then in your bank's own online banking rather than through Accountix.
On the Transfers tab: Transfer again sits on every row that was ordered from Accountix.

Either way the usual New transfer dialog opens, prefilled with payee, IBAN, amount and purpose. Everything stays editable: for a salary you typically only change the month in the purpose. From there the transfer runs through validation, payee name verification and TAN like any other - repeating is not a separate route, just a filled-in form.

When prefilling from a booking, Accountix tidies the purpose. A statement line carries the bank's own plumbing next to the actual text, for example "Rechnungsnummer 2026-1087 SecureGo plus IBAN: DE65..." or "...4920715396 EREF: I0000000363971 MREF: ... CRED: ...". Only the readable part is carried over, here "Rechnungsnummer 2026-1087". Check it before you send all the same.

No button appears on credits (there is nobody to pay), on pending bookings (they can still change) and on debits without a payee IBAN, such as card payments and fees.

If you pay the same recipient again and again, a template or a scheduled transfer beats repeating by hand - the latter reminds you by itself when it falls due.

Security

Transfers, approvals and executing scheduled transfers are reserved for administrators and only possible in a signed-in session. An API key cannot move money.
Every transfer is recorded in the audit log with initiator, result and time.
IBAN check digit, amount limits and the SEPA character set are validated on the server as well.
TAN entries are neither stored nor logged.