EU Financial Regulatory Q&A Database

Ban imposed by certain national authorities on the use of the term “neobank” for payment institution

Directive 2015/2366/EU (PSD2) · Art. '1'

Clarification on the use of PSU-linked tokens in payment initiation services under the RTS

Directive 2015/2366/EU (PSD2) · Art. n.a.

Introduction of additional mandatory steps or redirections in PISP payment initiation flows

Directive 2015/2366/EU (PSD2) · Art. n.a.

Requirement for ASPSPs to comply with standardized communication protocols under Article 30(3) of Commission Delegated Regulation (EU) 2018/389

Directive 2015/2366/EU (PSD2) · Art. n.a.

Supervisory obligations of NCAs under Article 32(2) of Commission Delegated Regulation (EU) 2018/389

Directive 2015/2366/EU (PSD2) · Art. n.a.

Execution of an authorized payment instruction made conditional on manual user redirection

Directive 2015/2366/EU (PSD2) · Art. Article: 98

Obstacle assessment of requiring multiple manual checkboxes for a single AIS consent

Directive 2015/2366/EU (PSD2) · Art. Article: 98

Obstacle assessment of an ASPSP offering only web redirection to TPPs while a superior native app authentication method exists for its direct users

Directive 2015/2366/EU (PSD2) · Art. Article: 98

Obstacle assessment of requiring an additional SCA for PIS within an existing authenticated AIS session

Directive 2015/2366/EU (PSD2) · Art. Article: 98

Payment account definition

Directive 2015/2366/EU (PSD2) · Art. 4

Application of general requirements of Chapter 6 of the Regulation (EU) No 575/2013 regarding the definition of own funds

Directive 2015/2366/EU (PSD2) · Art. 4,8,9

Application of Instant Payment Regulation (IPR) to Securities Providers

Directive 2015/2366/EU (PSD2) · Art. 1

non-discrimination in implementing PSD2 for safeguarding mechanisms

Directive 2015/2366/EU (PSD2) · Art. 10

Payment service user - both payer and payee

Directive 2015/2366/EU (PSD2) · Art. 4

Transactions executed via electronic mail (email)

Directive 2015/2366/EU (PSD2) · Art. 97

Exclusion of cash withdrawal services from PSD2

Directive 2015/2366/EU (PSD2) · Art. 3

Providing payment service via Internet banking (web-application)

Directive 2015/2366/EU (PSD2) · Art. 4

Definition of "Communication Standards" under Article 30.3

Directive 2015/2366/EU (PSD2) · Art. n.a.

Clarification needed in dedicated Interfaces supervision

Directive 2015/2366/EU (PSD2) · Art. n.a.

Provision of external payroll accounting services to an employer

Directive 2015/2366/EU (PSD2) · Art. 4

Legal requirement for ASPSPs to provide for cancellation of future dated pay-ments through its dedicated payment initiation services interface

Directive 2015/2366/EU (PSD2) · Art. 66

Third party access to account attributes

Directive 2015/2366/EU (PSD2) · Art. 66

Requirement for loan agents to register as payment service providers under EU's Second Payment Services Directive 2015/2366 ("PSD2").

Directive 2015/2366/EU (PSD2) · Art. 4

The SCA-Exemption for account access based on art. 10 of Regulation (EU) 2018/389 as amended by Regulation (EU) 2022/2360.

Directive 2015/2366/EU (PSD2) · Art. 97

Eligibility of communication by AISPs with ASPSP throughout interface used for authentication and communication with the ASPSP's payment services users in case of ASPSP’s exemption from the fall back mechanism

Directive 2015/2366/EU (PSD2) · Art. 98

requirements for professional experience of representatives and board members of EMIs

Directive 2015/2366/EU (PSD2) · Art. 1

Is Article 5 of Regulation 2021/1230 applicable on the spot currency trading?

Directive 2015/2366/EU (PSD2) · Art. n.a.

Publication of quarterly statistics, according to GL 3 of the “Guidelines on the conditions to benefit from an exemption from the contingency mechanism under Article 33(6) of Regulation (EU) 2018/389 (RTS on SCA & CSC)”

Directive 2015/2366/EU (PSD2) · Art. 33

Initial Capital

Directive 2015/2366/EU (PSD2) · Art. 7

Interpretation of the words ‘preceding year’ in Method B under Article 9(1) of the PSD2

Directive 2015/2366/EU (PSD2) · Art. 9

Application of strong customer authentication (SCA) where Account Information Service users access the Account Information Service Providers’ (AISPs) own channels and the previously retrieved payment account information compiled and stored therein

Directive 2015/2366/EU (PSD2) · Art. 97

Online foreign exchange

Directive 2015/2366/EU (PSD2) · Art. 3

Services offered by means of ATM by providers

Directive 2015/2366/EU (PSD2) · Art. 3

Safeguarding requirements

Directive 2015/2366/EU (PSD2) · Art. 10

Interpretation of payment instrument

Directive 2015/2366/EU (PSD2) · Art. 4

Roles that can be assigned to electronic money institutions in certificates

Directive 2015/2366/EU (PSD2) · Art. 11

The amount of a card payment transaction authorised online in HRK

Directive 2015/2366/EU (PSD2) · Art. 64,52

Requirement for credit institutions and electronic money institutions wishing to offer PIS and AIS to take out professional indemnity insurance or a comparable guarantee / Obbligo di dotarsi di un'assicurazione per la responsabilità civile o analoga garanzia, per gli Enti creditizi o Istituti di moneta elettronica che vogliono offrire i servizi di PIS e AIS

Directive 2015/2366/EU (PSD2) · Art. 5

Interpretation of the words ‘preceding year’ in Method B under Article 9(1) of the PSD2

Directive 2015/2366/EU (PSD2) · Art. 9

Surcharging

Directive 2015/2366/EU (PSD2) · Art. Introductory Text

Immediate Refund by the Payment Service Provider of unauthorised SEPA Direct Debit transactions after 8 weeks.

Directive 2015/2366/EU (PSD2) · Art. 73

Potential inconsistency on the application of Strong Customer Authentication exemptions to AISPs

Directive 2015/2366/EU (PSD2) · Art. 97

90 Day Access via Direct Access

Directive 2015/2366/EU (PSD2) · Art. 98