Etebac 5 is an "improved" version of ETEBAC 3 which allows, moreover, an authentification of the client.  It is thus possible, starting from a computer, not only to transfer information, but also to send a true "signature" having the same convincing value as a handwritten signature.

However, it is significant to specify that Etebac 5 requires the identification of the customer by a smart card. But as the almost totality of the transfers between Clients and Banks are effected at night (for econonic reasons), it seems more comprehensible that few companies use Etebac5 even if this protocol would be synonymous to ‘authetification’ because a manual intervention is necessary to be effected by the customer.