OPT-AIS-015Bank's choiceregulatedAccount information

Trusted beneficiaries

Does the bank expose the list of trusted beneficiaries?

The options

  • No

    A 501 response, and the isTrusted flag must never appear.

  • Yes

    GET /trusted-beneficiaries, and isTrusted on each beneficiary.

Bank side
These beneficiaries may qualify for an SCA exemption at initiation, which the bank remains free to apply.
TPP side
If isTrusted is absent, the bank has no list.
Regulation

The trusted beneficiary exemption is the one in Article 13 of the RTS.

Texts cited

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-015",
  "edition": "1.6.3",
  "chooser": "aspsp",
  "title": {
    "fr": "Bénéficiaires de confiance",
    "en": "Trusted beneficiaries",
    "es": "Beneficiarios de confianza",
    "pt-br": "Beneficiários confiáveis"
  },
  "question": {
    "fr": "La banque expose-t-elle la liste des bénéficiaires de confiance ?",
    "en": "Does the bank expose the list of trusted beneficiaries?",
    "es": "¿Expone el banco la lista de beneficiarios de confianza?",
    "pt-br": "O banco expõe a lista de beneficiários confiáveis?"
  },
  "options": [
    {
      "label": {
        "fr": "Non",
        "en": "No",
        "es": "No",
        "pt-br": "Não"
      },
      "text": {
        "fr": "Réponse 501, et le drapeau `isTrusted` ne doit jamais apparaître.",
        "en": "A 501 response, and the `isTrusted` flag must never appear.",
        "es": "Respuesta 501, y el indicador `isTrusted` no debe aparecer nunca.",
        "pt-br": "Resposta 501, e a flag `isTrusted` nunca deve aparecer."
      }
    },
    {
      "label": {
        "fr": "Oui",
        "en": "Yes",
        "es": "Sí",
        "pt-br": "Sim"
      },
      "text": {
        "fr": "`GET /trusted-beneficiaries`, et `isTrusted` sur chaque bénéficiaire.",
        "en": "`GET /trusted-beneficiaries`, and `isTrusted` on each beneficiary.",
        "es": "`GET /trusted-beneficiaries`, con `isTrusted` en cada beneficiario.",
        "pt-br": "`GET /trusted-beneficiaries`, e `isTrusted` em cada beneficiário."
      }
    }
  ],
  "stet": {
    "sections": [
      {
        "part": "functional-model",
        "section": "4.10",
        "page": 52
      }
    ],
    "openapi": [
      "GET /trusted-beneficiaries",
      "Beneficiary.isTrusted"
    ],
    "flows": [
      "6-9-trusted-beneficiaries-retrieval"
    ],
    "changes": [],
    "remark": null
  },
  "aspsp": {
    "fr": "Ces bénéficiaires peuvent bénéficier d'une exemption de SCA à l'initiation, que la banque reste libre d'appliquer.",
    "en": "These beneficiaries may qualify for an SCA exemption at initiation, which the bank remains free to apply.",
    "es": "Estos beneficiarios pueden acogerse a una exención de SCA en la iniciación, que el banco es libre de aplicar.",
    "pt-br": "Esses beneficiários podem dar direito a uma isenção de SCA na iniciação, que o banco continua livre para aplicar."
  },
  "tpp": {
    "fr": "L'absence de `isTrusted` signifie que la banque n'a pas de liste.",
    "en": "If `isTrusted` is absent, the bank has no list.",
    "es": "Si falta `isTrusted`, el banco no tiene lista.",
    "pt-br": "A ausência de `isTrusted` significa que o banco não tem lista."
  },
  "regulation": {
    "text": {
      "fr": "L'exemption pour bénéficiaire de confiance est celle de l'article 13 des RTS.",
      "en": "The trusted beneficiary exemption is the one in Article 13 of the RTS.",
      "es": "La exención por beneficiario de confianza es la del artículo 13 de las RTS.",
      "pt-br": "A isenção para beneficiário confiável é a do artigo 13 das RTS."
    },
    "sources": [
      {
        "act": "rts",
        "ref": "art. 13"
      }
    ]
  },
  "note": null,
  "production": null,
  "verifiedAt": "2026-10-19"
}