Universal Banking connector for bank files
The Universal Banking connector handles SFTP-based bank file exchange - retrieving statements and delivering payment files to your bank’s host-to-host (H2H) endpoint. Supported banks include Westpac, CommBiz, NAB, and ANZ.
Authentication: SFTP - host, port, username, password; optional PGP public key for encrypted delivery
System type: BANKING_GENERIC
Protocol: SFTP with optional PGP encryption
See your bank statements and balances in Claude — book a 30-minute call.
Supported resources
Section titled “Supported resources”| Resource | FETCH | PUSH | EXECUTE |
|---|---|---|---|
files | ✓ Yes | ✓ Yes | ✓ Yes |
FETCH supports two modes:
- EXPLORER - recursive directory listing with file metadata
- CONTENT - file download
EXECUTE supports: DOWNLOAD, DELETE, ECHO_TEST
Registers this connector fills
Universal Banking keeps 2 registers current in Civil Memory. Each name is the record you ask for, not the system it came from - ask for it in Studio or from your own AI client.
| Register | What it holds | Fields from Universal Banking |
|---|---|---|
Bank accountsbank_accounts | Bank accounts registered in your ERP. | Fills all of 9 |
Cash positioncash_position | Current cash balances across bank accounts. | Fills all of 12 |
The full field list, requiredness and an example record for any register are on its published contract. Where more than one system fills a register, the register is the same shape either way.
Integration model
Section titled “Integration model”The adapter connects to your bank’s SFTP endpoint. Files can be retrieved (statements, reports) or uploaded (payment instructions, payroll files). When a PGP public key is configured, outbound files are encrypted before delivery.
Payment files follow the naming convention PAY_YYYYMMDD_HHMMSS and are generated automatically. An echo test command is available to verify connectivity without transferring real data.
Connection setup
Section titled “Connection setup”Required values:
- Host - bank SFTP hostname
- Port - typically 22
- Username - SFTP account username
- Password - SFTP account password
- Bank Public Key (optional) - PGP public key for encrypted file delivery
Security
Section titled “Security”Access type: Read and governed write
Demiton retrieves bank files (statements, reports) and delivers payment files to the bank’s SFTP endpoint. File uploads only occur through governed workflows with explicit approval gates.
Permissions required: SFTP credentials with access to the directories your workflows use. Use a dedicated SFTP account for Demiton.
Data sensitivity: Banking data is classified as financial domain - restricted to users with appropriate access. Payment files carry financial instructions and should be treated with the same care as other financial authorisations.
Use SSH key authentication where your bank supports it. Rotate credentials on a regular schedule.
Next steps
Section titled “Next steps”- Connecting a System - step-by-step wizard for setting up the connector
- KeyPay - the payroll connector, typically used alongside banking
- Business Central - reconcile bank transactions against your ERP ledger
- Connect your operation - talk to us about scoping a Connected deployment
Talk to the team
Tell us what you run - your ERP, field, payroll and document systems - and we will show you the registers Demiton would keep current from them, on your data, in a 30-minute call.