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Comdirect: transfer fails #198
Description
SEPA simple transfer fails:
It last worked on 2025-10-27.
*Bank I tested this with
Name of the bank: comdirect
FinTS URL: https://fints.comdirect.de/fints
Expected behavior
Transfer goes through.
Code required to reproduce
Example from https://python-fints.readthedocs.io/en/latest/trouble.html
Log output / error message
ERROR:fints.client:Dialog response: 9050 - Die Nachricht enthaelt Fehler.
WARNING:fints.client:Dialog response: 3905 - Bitte senden Sie die Anfrage erneut.
ERROR:fints.client:Dialog response: 9076 - Namensabgleich erforderlich.
Additional context
It sounds like it has something to do with https://www.cpg.de/sepa-namenspruefung/ . I tried a self-transfer, then with my name in all capitals, but with the same outcome.
Activity
rhn commentedon Nov 10, 2025
I think it's the Verification of Payee process, which I traced to the following document
I'll try to verify my guess by implementing the necessary message, but I can't promise that I'm able to.
rhn commentedon Nov 10, 2025
This is how far I got: https://github.com/rhn/python-fints/tree/vop.
Copying the spec from PDF is the biggest PITA I've seen in my life for something that should be autogenerated.
rhn commentedon Nov 13, 2025
I updated that same branch. It works for single transactions, instant payment and regular.
It's not very pretty, though. It doesn't take into account transactions that don't need VoP at all.
raphaelm commentedon Nov 27, 2025
Closing as duplicate of #192