OPT-AIS-014Bank's choiceinconsistencyAccount information

Authorised overdraft

Does the bank expose the authorised overdraft?

The options

  • No

    No overdrafts link.

  • Yes

    GET /accounts/{id}/overdrafts, which only returns allowedAmount.

Bank side
In A2 consent, overdrafts is the only optional right.
TPP side
Check the account's overdrafts link.
Spec inconsistency
§4.7.1 announces filters that do not exist, apart from workspace.

Entry checked on October 19, 2026.

Based on the STET PSD2 API 1.6.3 specification, licensed CC BY 3.0 FR.

The entry as stored
{
  "id": "OPT-AIS-014",
  "edition": "1.6.3",
  "chooser": "aspsp",
  "title": {
    "fr": "Découvert autorisé",
    "en": "Authorised overdraft",
    "es": "Descubierto autorizado",
    "pt-br": "Limite de cheque especial autorizado"
  },
  "question": {
    "fr": "La banque expose-t-elle le découvert autorisé ?",
    "en": "Does the bank expose the authorised overdraft?",
    "es": "¿Expone el banco el descubierto autorizado?",
    "pt-br": "O banco expõe o limite de cheque especial autorizado?"
  },
  "options": [
    {
      "label": {
        "fr": "Non",
        "en": "No",
        "es": "No",
        "pt-br": "Não"
      },
      "text": {
        "fr": "Pas de lien `overdrafts`.",
        "en": "No `overdrafts` link.",
        "es": "Sin enlace `overdrafts`.",
        "pt-br": "Sem link `overdrafts`."
      }
    },
    {
      "label": {
        "fr": "Oui",
        "en": "Yes",
        "es": "Sí",
        "pt-br": "Sim"
      },
      "text": {
        "fr": "`GET /accounts/{id}/overdrafts`, qui ne renvoie que `allowedAmount`.",
        "en": "`GET /accounts/{id}/overdrafts`, which only returns `allowedAmount`.",
        "es": "`GET /accounts/{id}/overdrafts`, que solo devuelve `allowedAmount`.",
        "pt-br": "`GET /accounts/{id}/overdrafts`, que só retorna `allowedAmount`."
      }
    }
  ],
  "stet": {
    "sections": [
      {
        "part": "functional-model",
        "section": "4.7",
        "page": 46
      }
    ],
    "openapi": [
      "GET /accounts/{accountResourceId}/overdrafts"
    ],
    "flows": [
      "6-6-account-overdrafts-retrieval"
    ],
    "changes": [],
    "remark": null
  },
  "aspsp": {
    "fr": "Dans le consentement A2, `overdrafts` est le seul droit optionnel.",
    "en": "In A2 consent, `overdrafts` is the only optional right.",
    "es": "En el consentimiento A2, `overdrafts` es el único derecho opcional.",
    "pt-br": "No consentimento A2, `overdrafts` é a única permissão opcional."
  },
  "tpp": {
    "fr": "Regarder le lien `overdrafts` du compte.",
    "en": "Check the account's `overdrafts` link.",
    "es": "Comprobar el enlace `overdrafts` de la cuenta.",
    "pt-br": "Verificar o link `overdrafts` da conta."
  },
  "regulation": null,
  "note": {
    "fr": "Le §4.7.1 annonce des filtres qui n'existent pas, à part `workspace`.",
    "en": "§4.7.1 announces filters that do not exist, apart from `workspace`.",
    "es": "El §4.7.1 anuncia filtros que no existen, salvo `workspace`.",
    "pt-br": "O §4.7.1 anuncia filtros que não existem, com exceção de `workspace`."
  },
  "production": null,
  "verifiedAt": "2026-10-19"
}