OB-IF-015PSR 45(1)Dedicated interface

TPP access through the dedicated interface only

What the text fixes

AISPs and PISPs access payment account data only through the dedicated interface, except under an Article 39 derogation or, exceptionally, through another safe and efficient interface.

Article: PSR 45(1)Provisional numbering of the April 2026 compromise (Council doc. 8221/26). The final numbering will be added when the Official Journal publishes the text, without changing the id.
Who is bound: AISP, PISP
Who it is for: Compliance, API
Application: 21 months after entry into force, the general application date (Article 112).
Level 2: No EBA mandate covers this obligation.
Origin: RTS 2018/389, Art. 33(4)

STET 1.6.3

Out of spec

The obligation is about the channel the TPP chooses. A TPP connected to the bank's STET API meets it.

Sources

Checked on October 4, 2026

The entry as JSON

{
  "id": "OB-IF-015",
  "article": "PSR 45(1)",
  "alsoIn": [],
  "articleFinal": null,
  "actors": [
    "aisp",
    "pisp"
  ],
  "roles": [
    "compliance",
    "api"
  ],
  "appliesAt": "T+21",
  "title": {
    "fr": "Accès des TPP par l'interface dédiée seulement",
    "en": "TPP access through the dedicated interface only",
    "es": "Acceso de los TPP solo por la interfaz dedicada",
    "pt-br": "Acesso dos TPPs somente pela interface dedicada"
  },
  "level1": {
    "fr": "Les AISP et les PISP accèdent aux données des comptes uniquement par l'interface dédiée, sauf dérogation de l'article 39 ou, exceptionnellement, par une autre interface sûre et efficace.",
    "en": "AISPs and PISPs access payment account data only through the dedicated interface, except under an Article 39 derogation or, exceptionally, through another safe and efficient interface.",
    "es": "Los AISP y los PISP acceden a los datos de las cuentas únicamente por la interfaz dedicada, salvo excepción del artículo 39 o, excepcionalmente, por otra interfaz segura y eficaz.",
    "pt-br": "AISPs e PISPs acessam os dados das contas somente pela interface dedicada, salvo derrogação do artigo 39 ou, excepcionalmente, por outra interface segura e eficiente."
  },
  "level2": null,
  "origin": [
    {
      "act": "rts-2018-389",
      "articles": "33(4)"
    }
  ],
  "stet": {
    "1.6.3": {
      "status": "out-of-scope",
      "note": {
        "fr": "L'obligation porte sur le canal que choisit le TPP. Un TPP branché sur l'API STET de la banque la respecte.",
        "en": "The obligation is about the channel the TPP chooses. A TPP connected to the bank's STET API meets it.",
        "es": "La obligación se refiere al canal que elige el TPP. Un TPP conectado a la API STET del banco la cumple.",
        "pt-br": "A obrigação trata do canal escolhido pelo TPP. Um TPP conectado à API STET do banco a cumpre."
      },
      "pages": []
    }
  },
  "verification": null,
  "sources": [
    {
      "document": "8221/26",
      "page": 265
    },
    {
      "document": "8221/26",
      "page": 60
    }
  ],
  "verifiedAt": "2026-10-04"
}

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