diff --git a/account_ebics/__manifest__.py b/account_ebics/__manifest__.py
index 65003c0..aa0643b 100644
--- a/account_ebics/__manifest__.py
+++ b/account_ebics/__manifest__.py
@@ -3,7 +3,7 @@
 
 {
     "name": "EBICS banking protocol",
-    "version": "16.0.1.6.1",
+    "version": "16.0.1.6.2",
     "license": "LGPL-3",
     "author": "Noviat",
     "website": "https://www.noviat.com/",
diff --git a/account_ebics/wizards/ebics_xfer.py b/account_ebics/wizards/ebics_xfer.py
index 744c0d4..bfa4b74 100644
--- a/account_ebics/wizards/ebics_xfer.py
+++ b/account_ebics/wizards/ebics_xfer.py
@@ -462,12 +462,21 @@ class EbicsXfer(models.TransientModel):
         if self.ebics_config_id.ebics_version == "H003":
             bank._order_number = self.ebics_config_id._get_order_number()
 
+        signature_class = (
+            self.format_id.signature_class or self.ebics_userid_id.signature_class
+        )
+
+        user_params = {
+            "keyring": keyring,
+            "partnerid": self.ebics_config_id.ebics_partner,
+            "userid": self.ebics_userid_id.name,
+        }
+        # manual_approval replaced by transport_only class param in fintech 7.4
+        fintech74 = hasattr(EbicsUser, "transport_only")
+        if fintech74:
+            user_params["transport_only"] = signature_class == "T" and True or False
         try:
-            user = EbicsUser(
-                keyring=keyring,
-                partnerid=self.ebics_config_id.ebics_partner,
-                userid=self.ebics_userid_id.name,
-            )
+            user = EbicsUser(**user_params)
         except ValueError as err:
             error = _("Error while accessing the EBICS UserID:")
             error += "\n"
@@ -477,11 +486,8 @@ class EbicsXfer(models.TransientModel):
                 error += "\n"
                 error += _("Doublecheck your EBICS Passphrase and UserID settings.")
             raise UserError(error) from err
-
-        signature_class = (
-            self.format_id.signature_class or self.ebics_userid_id.signature_class
-        )
-        if signature_class == "T":
+        # manual_approval replaced by transport_only class param in fintech 7.4
+        if not fintech74 and signature_class == "T":
             user.manual_approval = True
 
         try: