Article 36 Access to accounts maintained with a credit institution

AI Summary of Article 36 Access to accounts maintained with a credit institution

Version status: Entered into force | Document consolidation status: Updated to reflect all known changes

Version date: 12 January 2016 - onwards

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DRAFT To be repealed Article 48 Repeal of the Proposal for a Directive of the European Parliament and of the Council on payment services and electronic money services in the Internal Market amending Directive 98/26/EC and repealing Directives 2015/2366/EU and 2009/110/EC (COM(2023) 366 final / 2023/0209 (COD)) (PSD3) (updated 17 September 2025 with Position C/2025/3724)

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Member States shall ensure that payment institutions have access to credit institutions' payment accounts services on an objective, non-discriminatory and proportionate basis. Such access shall be sufficiently extensive as to allow payment institutions to provide payment services in an unhindered and efficient manner.

The credit institution shall provide the competent authority with duly motivated reasons for any rejection.

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AI Summary of Article 36 Access to accounts maintained with a credit institution

Article 36 Access to accounts maintained with a credit institution