OB-OBS-007PSR 44(1)(g)Prohibited obstacles

Limiting to domestic account identifiers

What the text fixes

The ASPSP may not limit initiated payments to or from domestic account identifiers only.

Article: PSR 44(1)(g)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: ASPSP
Who it is for: API, Product
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. 32(3); EBA Opinion of 4 June 2020 on obstacles

STET 1.6.3

Covered

Accounts are identified by IBAN or by an other identifier, with no country restriction in the specification.

Handbook pages

Sources

Council doc. 8221/26, page 262

Checked on October 4, 2026

The entry as JSON

{
  "id": "OB-OBS-007",
  "article": "PSR 44(1)(g)",
  "alsoIn": [],
  "articleFinal": null,
  "actors": [
    "aspsp"
  ],
  "roles": [
    "api",
    "product"
  ],
  "appliesAt": "T+21",
  "title": {
    "fr": "Limiter aux identifiants de compte nationaux",
    "en": "Limiting to domestic account identifiers",
    "es": "Limitar a identificadores de cuenta nacionales",
    "pt-br": "Limitar a identificadores de conta nacionais"
  },
  "level1": {
    "fr": "L'ASPSP ne peut pas limiter les paiements initiés à des identifiants de compte nationaux, ni au départ ni à l'arrivée.",
    "en": "The ASPSP may not limit initiated payments to or from domestic account identifiers only.",
    "es": "El ASPSP no puede limitar los pagos iniciados a identificadores de cuenta nacionales, ni de origen ni de destino.",
    "pt-br": "O ASPSP não pode limitar os pagamentos iniciados a identificadores de conta nacionais, nem na origem nem no destino."
  },
  "level2": null,
  "origin": [
    {
      "act": "rts-2018-389",
      "articles": "32(3)"
    },
    {
      "act": "eba-opinion-2020"
    }
  ],
  "stet": {
    "1.6.3": {
      "status": "present",
      "note": {
        "fr": "Les comptes s'identifient par IBAN ou par un identifiant `other`, sans restriction de pays dans la spécification.",
        "en": "Accounts are identified by IBAN or by an `other` identifier, with no country restriction in the specification.",
        "es": "Las cuentas se identifican por IBAN o por un identificador `other`, sin restricción de país en la especificación.",
        "pt-br": "As contas são identificadas por IBAN ou por um identificador `other`, sem restrição de país na especificação."
      },
      "pages": [
        "resources/account-identification",
        "endpoints/pisp/payment-requests-post"
      ]
    }
  },
  "verification": null,
  "sources": [
    {
      "document": "8221/26",
      "page": 262
    }
  ],
  "verifiedAt": "2026-10-04"
}

All obligations Markdown version