Actor

AISP

Account Information Service Provider

An authorised provider that reads your bank accounts — balances and transactions — with your consent. It views, it never initiates a payment.

Definition

An AISP (Account Information Service Provider) is an authorised provider that reads your bank accounts — balances and transactions — with your consent, in order to present them somewhere else.

It looks, it does not act: no payment or change is possible on your accounts.

AISP vs PISP: don't confuse them

Two distinct PSD2 roles, often combined in a single app but with different authorisations:

  • AISP — read-only: it consults your accounts to display, aggregate and analyse.
  • PISP — payment initiation: it triggers a credit transfer from your account, without going through the card.

An AISP that also wants to trigger transfers must obtain the PISP authorisation separately.

What an AISP can do

  • Aggregate several accounts from several banks into a single view.
  • Present history, balances and transaction categorisation.
  • Refresh the data within the limits of consent (regular renewal required by the PSD2 RTS).

What an AISP cannot do

  • Initiate a payment from your account: that is the PISP's role.
  • Access the data without the PSU's explicit consent, nor beyond the consented scope.
  • Operate without an authorisation (in France, ACPR / PSP register) or without the technical safeguards — eIDAS certificates, mTLS — required by the banks.

In the PSD2 ecosystem

The AISP is a TPP (third-party provider) just like the PISP or the CBPII, but with a scope strictly limited to reading. The PSU gives their consent, the ASPSP exposes the data through secure APIs, and the AISP connects to them within the regulated framework.

Concrete examples

  • Individual — aggregation and budgeting: Bankin', Linxo or Lydia connect to all your banks to show a unified budget, categorise spending and warn you of an overdraft. They read, they don't move the money.
  • Business — invoicing and accounting: Pennylane, Qonto or Indy automatically retrieve the bank entries to reconcile them with invoices, feed the accounting and prepare VAT. No more manual CSV exports.
  • Lender — credit scoring: Algoan or Bridge analyse the account history to assess creditworthiness in a few seconds, complementing (or replacing) payslips.

See also: STET handbook

Sources

Go deeper

From the blog

Longer reads to go beyond the definition.

April 7, 2026
technical

Technical architecture of a PSD2 API: what to know before writing the first line of code — Read more

A technical overview of PSD2 for CTOs, developers and technical PMs: API standards, security (mTLS, eIDAS certificates), OAuth2, SCA flows, consent management, implementation pitfalls.

April 6, 2026
regulation

Understanding PSD2: what it changes for your customers and your business — Read more

Everything an executive, a product manager or a business team needs to understand about PSD2. Players, consent, opportunities, without technical jargon.