Transaction Banking
Banking solutions focused on cash and liquidity management
SMBC provide cash management and digital banking services that enable efficient liquidity, payments, and treasury operations - from electronic banking and Host-to-Host connections to advanced reconciliation tools. Our digital platform, E-Moneyger®, provides secure, real-time access to account information and payment functionalities, empowering efficient cash flow management and operational oversight.
We ensure seamless integration with client systems through Host-to-Host connectivity and SWIFT SCORE, enabling efficient and secure data exchange.
Our cash pooling structures optimise group liquidity, while Virtual Account Management enhances reconciliation and visibility. Through PSD2-compliant APIs, we enable secure third-party access, supporting evolving treasury needs in a digital-first environment.
Key Services and Capabilities
SMBC offers a comprehensive range of payment types supported across our suite of customer channels, including Online Banking and Host-to-Host connectivity, tailored to meet your specific needs.
In addition to Europe-wide SEPA Classic and upcoming Instant Transfers and Direct Debits, we provide international SWIFT transfers with full message tracking. For domestic payments within the UK, we support Bacs, CHAPS, and Faster Payments (FPS).
All our channels are compatible with industry-standard file formats such as ISO20022, ensuring seamless integration and processing.
Explore Our Cash Management Tools:
- E-Moneyger® is a secure online banking platform for our corporate clients. We offer a full range of corporate cash management services including real-time account monitoring, domestic and international collections and payments capabilities, and treasury features such as cash pooling statements, term deposits or FX confirmations.
Host-to-Host connectivity solution provides a cost-effective and secure channel to facilitate automated payment processing by integrating your ERP systems directly with the bank. We support industry standard file formats which offers compatibility with all types of ERP and seamless reconciliation and payment processing.
SWIFT SCORE via FIN and FileAct messaging services enables clients to manage multi-bank relationships through a single, secure, and globally recognised communication channel. It offers a reliable individual and bulk financial messaging, improves control and transparency, and supports standardisation in financial message processing.
Third Party Providers - SMBC supports PSD2-compliant access for authorised Third Party Providers (TPPs), enabling account information and payment initiation via secure APIs. Using Berlin Group standards, we offer developer support and welcome collaboration to enhance digital banking across Europe.
Treasury Management Services
SMBC provides local and global liquidity management services for corporate customers with tools to manage their group's varying liquidity positions. Our specialists will work with you to design account structures that offer control and visibility.
- Cash Pooling enables corporate clients to optimise group liquidity by automatically concentrating cash positions across entities. By leveraging one-way or two-way pooling structures, companies can maximise interest income, reduce reliance on external borrowing, and enhance working capital efficiency.
- Virtual Account Management solution enables clients to streamline account payable and receivable reconciliation by mapping transactions to virtual subledgers. It improves visibility, automates cash application, and supports liquidity forecasting, without the need to maintain multiple physical accounts.
For more information on our Cash & Treasury Management services, contact our Customer Services Team on email emoneygerhelpdesk@gb.smbcgroup.com or via telephone +44 (0)20-4507-1874.
SMBC Documentation Portal
Our paperless solution provides customers with secure access to account and interest statements outside of our standard communication channels.
Statements are available through a secure portal with two-factor authentication, ensuring privacy and protection. This environmentally friendly option allows customers to download their statements in both PDF and CSV formats, offering flexibility and convenience.
For further information on the Documentation Portal, please contact our Customer Services Team on email GBLOOADJCOR@gb.smbcgroup.com or via telephone +44 204 507 3901.