General questions on the service
eBill is a service from SIX. The infrastructure for processing eBill is operated by SIX on behalf of the Swiss banks. eBill is offered by numerous companies (corporations, SMEs and public administration bodies).
The eBill invoices you receive contain the information needed to make the payment, such as the name of the company, the amount and the due date, as well as a PDF version of the invoice. The PDF can be downloaded for at least 90 days following approval.
It is free of charge to receive eBill invoices via e-banking.
With LSV/direct debit, companies debit the charges directly to an account which you’ve predefined in the debit authorization. When you use direct debit with right of objection, you are able to dispute any charges debited within a specified period.
You receive eBill invoices directly via your bank’s e-banking solution. You decide whether and when you pay the eBill invoice and therefore have complete control over the process. You can set up automatic approval for your eBill invoices, if you wish.
- Find out whether your bank supports eBill.
- Find out whether the companies that send you in voices offer eBill.
- Cancel the debit authorizations with your companies and notify them that going forward you would like to receive your invoices as eBill invoices.
- On the eBill portal, select the companies you would like to receive eBill invoices from in the future. Complete the online registration form.
When completing the registration form, make sure you have your personal details such as your customer number to hand.
You receive eBill invoices directly on the eBill portal. All you need to do is check them and approve them for payment directly online. You receive e-mail bills to your e-mail inbox. To pay an e-mail bill, you have to enter details on the payment recipient and the long reference number in e-banking.
Registering for eBill
Please ask your bank directly.
Log into your e-banking and follow the navigation path to eBill.
Please contact your bank directly.
You receive the activation code from SIX by e-mail when you activating eBill.
You receive the activation code by e-mail at the e-mail address you entered on the eBill portal.
The activation code is valid for 60 minutes. Once this period has expired, you can request a new activation code via the eBill portal.
Yes, this is possible provided you are switching from one bank that is connected to the SIX eBill infrastructure to another.
Currently, banks are connected to two different eBill infrastructure – to an old one, and to a new one. If both banks are connected to the new eBill infrastructure, you must first register with the second bank using the same e-mail address. There you can find all the companies you’ve already registered with on the basis of the first bank.
If only the first bank is connected to the new eBill infrastructure, you must re-register with the second bank and register again with all companies.
Please ask your banks which system they are connected to.
This is possible provided both banks are connected to the new eBill infrastructure by SIX and you use the same e-mail address for both banks.
Currently, banks are connected to two different eBill infrastructures – to an old one, and to a new one.
If both banks are connected to the new eBill infrastructure,
- you must first register with the second bank using the same e-mail address,
- your standing approvals will still work.
If only the first bank is connected to the new eBill infrastructure,
- you must also register with the second bank,
- you can use eBill simultaneously from both banks, but not with the same companies.
Please ask your banks which infrastructure they are connected to.
Receiving eBill invoices from companies
You can look up companies directly on the eBill portal and register with them for eBill.
You have two options:
- Add the company directly on the eBill portal via the company search.
- Via registration in e-banking, provided this is supported by your bank: you enter a payment instruction directly in e-banking. If the company offers eBill, you will receive a notification that takes you directly to the registration page for eBill for this company on the eBill portal.
You can usually find personal details such as customer or invoice numbers on an old invoice from the company. Alternatively, please ask the company directly.
Please contact the company directly.
It’s possible that the company doesn’t yet offer eBill.
It may be that the company has not yet processed your registration. Please ask the company directly.
That depends on the date the invoice is sent.
Most banks will advise you of any new eBill invoices that have arrived when you log in to e-banking. You can also arrange to be notified by e-mail when new eBill invoices arrive. You can specify in your personal settings whether you want to receive these kinds of e-mails.
Yes. To receive eBill invoices destined for somebody else, you need to enter the customer number of the other person when you register with the company.
Yes, companies are notified of rejections by SIX.
Processing and approving eBill invoices
You receive and pay your eBill invoices directly on the eBill portal, which you access via your e-banking.
You select the desired eBill invoice, check it and then simply approve it.
No. You approve the eBill invoices for payment on a specified date. To simplify approval of the invoice, you have the option of setting up standing approvals for eBill invoices.
You can still make changes until the payment has been definitively executed. You make the changes directly in e-banking, not on the eBill portal.
It may be worthwhile to set up standing approval for eBill invoices with recurring fixed amounts. You specify the criteria for automatic approval of invoices and retain control over the payment until it is definitively executed.
You don’t need to do anything.
Credits you receive on the eBill portal are for your information only. You will receive the actual credit according to the method agreed with the company.
You don’t need to do anything.
Generally speaking, advices don’t involve any transfer of funds. They are issued for your information only.
You can find eBill invoices which you’ve already approved on the eBill portal under “Approved invoices”.
They stay there until definitive payment has been received. The eBill invoices are not transferred to the “Completed invoices” folder until payment is finalized.
You can see the amount immediately after approving an eBill invoice in the list of payment instructions in your e-banking.
You can download the PDF for a period of at least 90 days after receiving it on the eBill portal. After that, the details of the invoice and the PDF are deleted from the eBill portal.
Yes, you can reject an eBill invoice. Please contact the company in question directly to explain why you’ve rejected the invoice. Otherwise you may receive a reminder.
If you don’t want to pay an eBill invoice – e.g. because you’ve opted for an alternative method of payment – you can reject the eBill invoice (“Reject” option in the open invoice). Please contact the company in question if you require payment information other than that listed on the invoice.
No, it isn’t possible to delete eBill invoices. You can only approve or reject eBill invoices.
Any eBill invoices you’ve already approved remain accessible on the eBill portal for at least 90 days following approval. After this period, the eBill invoices are deleted.
Outstanding eBill invoices that haven’t yet been paid remain open on the eBill portal. In this case, please contact your companies directly to arrange how to proceed with paying the bills.
With standing approval, you initiate the approval of eBill invoices from a specific company automatically according to criteria you’ve defined. You set the exact amount or the upper limit and specify when the eBill invoice should be approved in each case.
In the case of standing approval, you set the amount or the upper limit and specify when the eBill invoice should be approved. This means you retain full control until the payment is definitively executed.
With a direct debit, companies debit an account which you’ve predefined in the debit authorization.
Every time an amount is debited from this account, you receive a notification from your bank. If you don’t agree with a payment, you can lodge an objection within a defined period and receive your money back.
You can set up standing approvals directly on the eBill portal. To do this, start by selecting the eBill invoice you want to automate approval for going forward. Now select the option “Standing approval”. Then define the criteria for the standing approval.
No, a standing approval is only executed if the criteria you’ve specified are met. Example: You set a monthly amount limit of CHF 500 for a company.
- The company submits an invoice for CHF 501. The standing approval isn’t executed.
- The company submits three invoices:
- Invoice 1 is for CHF 300. The standing approval is executed.
- Invoice 2 is for CHF 150. The standing approval is executed.
- Invoice 3 is for CHF 100. The standing approval isn’t executed since invoice 3 takes the total over the amount limit of CHF 500.
A standing approval isn’t executed if the rules specified by you are not met (e.g. if the amount limit is exceeded). In this case you have the option of approving the eBill invoice manually.
Paying in instalments
If a company offers you the option of paying your eBill invoice in instalments, you will receive a notification to this effect on the eBill portal. You can then select an instalment group from the multiple variants offered. An instalment group contains one or more instalments. When you select an instalment group, all instalments for the selected instalment group are displayed to you in the overview of the invoice in the same way as for normal individual invoices. You can approve each of these instalments individually, or you have the option of setting up a standing approval.
Payment in instalments is often offered by companies for larger amounts, e.g. for tax bills. Individual companies decide whether or not it is possible to pay in instalments.
Yes, you can change the e-mail address you use for receiving invoices. To do this, go to your personal settings on the eBill portal.
Please notify your bank and the companies you receive eBill invoices from that you have a new address.
Please notify your banks and the companies you are registered with to receive eBill invoices.
You can opt out of notifications for new eBill invoices in your personal settings on the eBill portal.
Yes. You can deregister from eBill with the companies you’ve signed up with on the eBill portal. If you would like to deregister from eBill completely, please contact your bank.
No, when you stop using eBill, the companies in question are not notified. You can notify the companies by deregistering from eBill with them on the eBill portal.
Data protection and data security
Your e-mail address is used to unequivocally identify you as a bill recipient on the eBill portal. On request, you can receive additional information to this e-mail address, for example notifications about newly arrived eBill invoices.
Your address is notified to companies when you register for eBill so they can unequivocally identify you.
All banks as well as SIX are obliged to maintain confidentiality over the data they save and to use this data solely in relation to the provision of the eBill service.
eBill is subject to the same comprehensive, industry-wide security standards and data protection guidelines as e-banking. In the eBill infrastructure, great emphasis is placed on the protection of data when it is stored and transmitted: the latest data protection procedures are applied in accordance with the e-banking standards of Swiss banks.
This is where you can find more information about the benefits and the use of eBill. In your own language, of course, and quite easy to download.