# OB-PIS-009 — Account, holders and currencies visible before initiation

> Before initiation, the PISP sees the account identifier, the holders' names and the currencies, where the user has access to them.

- Article: PSR 36(4)(hc)
- Who is bound: ASPSP
- Who it is for: API, Product
- Application: 21 months after entry into force, the general application date (Article 112).
- Level 2: No EBA mandate covers this obligation.
- Origin: New, with no equivalent in PSD2 or in the 2018 RTS.

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: Missing

The PISP can only propose a `debtorAccount` in its request. It reads nothing about the account before initiation.

- <https://openfinanceguide.com/en/stet/1.6.3/endpoints/pisp/payment-requests-post>

## Sources

- [Council doc. 8221/26, page 245](https://data.consilium.europa.eu/doc/document/ST-8221-2026-INIT/en/pdf#page=245)

Checked on 2026-10-04. https://openfinanceguide.com/en/dsp3/obligations/ob-pis-009