# OB-AIS-001 — All payment accounts accessible online

> No payment service provider may prevent the user from using an AISP or a PISP, and the right covers all of the user's payment accounts accessible online.

- Article: PSR 33(2) (See also PSR 33(1))
- Who is bound: ASPSP
- 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(1), 67(1)

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.

## STET 1.6.3: Covered

`AccountResource` models current accounts (`CACC`) as well as card accounts (`CARD`).

- <https://openfinanceguide.com/en/stet/1.6.3/endpoints/aisp/accounts-get>
- <https://openfinanceguide.com/en/stet/1.6.3/resources/account-resource>

## Sources

- [Council doc. 8221/26, page 236](https://data.consilium.europa.eu/doc/document/ST-8221-2026-INIT/en/pdf#page=236)

Checked on 2026-10-04. https://openfinanceguide.com/en/dsp3/obligations/ob-ais-001