OB-OBS-013PSR 34Prohibited obstacles

No contract required for the baseline

What the text fixes

No one may make AIS and PIS conditional on a contract with the ASPSP, and a multilateral scheme may not be the only way to reach the data the Regulation covers.

Article: PSR 34Provisional 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, AISP, PISP
Who it is for: Compliance, Product
Application: 21 months after entry into force, the general application date (Article 112).
Level 2: No EBA mandate covers this obligation.
Origin: PSD2, Art. 66(5), 67(4)

STET 1.6.3

Out of spec

This is a contractual matter. Recitals 55 and 56 allow paid premium APIs beyond the baseline.

Sources

Checked on October 4, 2026

The entry as JSON

{
  "id": "OB-OBS-013",
  "article": "PSR 34",
  "alsoIn": [],
  "articleFinal": null,
  "actors": [
    "aspsp",
    "aisp",
    "pisp"
  ],
  "roles": [
    "compliance",
    "product"
  ],
  "appliesAt": "T+21",
  "title": {
    "fr": "Pas de contrat exigé pour le socle",
    "en": "No contract required for the baseline",
    "es": "Sin contrato exigido para el servicio básico",
    "pt-br": "Sem contrato exigido para o serviço básico"
  },
  "level1": {
    "fr": "Personne ne peut subordonner les services AIS et PIS à un contrat avec l'ASPSP, et un schéma multilatéral ne peut pas être le seul moyen d'accéder aux données régies par le règlement.",
    "en": "No one may make AIS and PIS conditional on a contract with the ASPSP, and a multilateral scheme may not be the only way to reach the data the Regulation covers.",
    "es": "Nadie puede supeditar los servicios AIS y PIS a un contrato con el ASPSP, y un esquema multilateral no puede ser la única vía de acceso a los datos que regula el reglamento.",
    "pt-br": "Ninguém pode condicionar os serviços AIS e PIS a um contrato com o ASPSP, e um esquema multilateral não pode ser a única via de acesso aos dados regulados pelo regulamento."
  },
  "level2": null,
  "origin": [
    {
      "act": "psd2",
      "articles": "66(5), 67(4)"
    }
  ],
  "stet": {
    "1.6.3": {
      "status": "out-of-scope",
      "note": {
        "fr": "La question est contractuelle. Les considérants 55 et 56 admettent des API premium payantes au-delà du socle.",
        "en": "This is a contractual matter. Recitals 55 and 56 allow paid premium APIs beyond the baseline.",
        "es": "Es una cuestión contractual. Los considerandos 55 y 56 admiten API premium de pago más allá del servicio básico.",
        "pt-br": "É uma questão contratual. Os considerandos 55 e 56 admitem APIs premium pagas além do serviço básico."
      },
      "pages": []
    }
  },
  "verification": null,
  "sources": [
    {
      "document": "8221/26",
      "page": 237
    },
    {
      "document": "8221/26",
      "page": 44
    },
    {
      "document": "8221/26",
      "page": 45
    }
  ],
  "verifiedAt": "2026-10-04"
}

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