{"release":{"id":"2d86bd12ba77a288053b34ea2517324b92d03c8039b7f5d156fa4002421384a1","published":"2026-11-10T16:06:46Z","pinned":false},"limits":{"coverage":{"history":"full","held_since":"2015-12-23","gaps":[],"covered":["PSD2 L1"],"not_covered":["national guidance","court decisions"]},"freshness":{"release_id":"2d86bd12ba77a288053b34ea2517324b92d03c8039b7f5d156fa4002421384a1","release_published":"2026-11-10T16:06:46Z","checked_at":"2026-11-09","checked_against":"EUR-Lex"},"truncation":null,"failures":[],"incomplete":[]},"page":{"path":"/psd2/articles/13","url":"https://www.headlesslaw.com/psd2/articles/13","title":"Article 13 — Withdrawal of authorisation","family":"l1_generated","work_id":"psd2","status":"in_force","force_status":"in_force","date_state":"current","requested_date":null,"as_of":"2026-11-11","applies_from":null,"application":null,"version_label":"Consolidated version of 23 December 2015","check":{"against":"EUR-Lex","on":"2026-11-09"},"check_result":"matched","official_url":"https://eur-lex.europa.eu/legal-content/EN/TXT/?uri=CELEX:02015L2366-20250117","valid_from":"2015-12-23","valid_until":null,"revision":1,"content_id":"f78571ab086f21e1","change_date":null,"nearest_versions":["2015-12-23"],"first_text_date":"2015-11-25","correction_applies":false,"versions":["2015-12-23"],"version_url":"https://www.headlesslaw.com/psd2/articles/13/versions/2015-12-23","revision_url":"https://www.headlesslaw.com/psd2/articles/13/versions/2015-12-23/rev/f78571ab086f21e1","versions_url":"https://www.headlesslaw.com/psd2/articles/13/versions","relations_url":"https://www.headlesslaw.com/psd2/articles/13/relations","source_line":null,"attribution":null},"provenance":{"official_url":"https://eur-lex.europa.eu/legal-content/EN/TXT/?uri=CELEX:02015L2366-20250117","check":{"result":"matched","checked_at":"2026-11-09","against":"EUR-Lex"},"repo_path":null,"body_sha256":"0dac654af9f1ea9495849edc00e178d0b64a89b72afe550e3b688aa9922d2b35","markdown_sha256":"8d14a7915ea812493486fb47eda3f60b13a95b8224c3236c712259b10c12f3f3"},"units":[{"locator":"psd2/art/13","kind":"article","status":"in_force","label":null,"heading":"Withdrawal of authorisation","text":"","marks":[],"revision":1,"text_hash":"e3b0c44298fc1c149afbf4c8996fb92427ae41e4649b934ca495991b7852b855","reason":null},{"locator":"psd2/art/13/para/1","kind":"paragraph","status":"in_force","label":"1.","heading":null,"text":"The competent authorities may withdraw an authorisation issued to a payment institution only if the institution:","marks":[],"revision":1,"text_hash":"e3f65960e14fcb5c688e1a47549589424912079102e83e4d153445714534d5a5","reason":null},{"locator":"psd2/art/13/para/1/pt/a","kind":"point","status":"in_force","label":"(a)","heading":null,"text":"does not make use of the authorisation within 12 months, expressly renounces the authorisation or has ceased to engage in business for more than 6 months, if the Member State concerned has made no provision for the authorisation to lapse in such cases;","marks":[],"revision":1,"text_hash":"b1fb9a432d801f12d14ee5659e685714f0e553be8a77f761a5b657f96173da3b","reason":null},{"locator":"psd2/art/13/para/1/pt/b","kind":"point","status":"in_force","label":"(b)","heading":null,"text":"has obtained the authorisation through false statements or any other irregular means;","marks":[],"revision":1,"text_hash":"537ccf7bbb38e3c12916b0d2b2ab6da8036e0687715fdc860a0c0039b078b17c","reason":null},{"locator":"psd2/art/13/para/1/pt/c","kind":"point","status":"in_force","label":"(c)","heading":null,"text":"no longer meets the conditions for granting the authorisation or fails to inform the competent authority on major developments in this respect;","marks":[],"revision":1,"text_hash":"8bf31917023c57586ce7f8c3d48d9c28b15605e59bd1da83328ed1fe2b668e0d","reason":null},{"locator":"psd2/art/13/para/1/pt/d","kind":"point","status":"in_force","label":"(d)","heading":null,"text":"would constitute a threat to the stability of or the trust in the payment system by continuing its payment services business; or","marks":[],"revision":1,"text_hash":"43f2ef9e42eee85c44756bf24b38cc17ac31e27b42d2c9c74071d709a66466d9","reason":null},{"locator":"psd2/art/13/para/1/pt/e","kind":"point","status":"in_force","label":"(e)","heading":null,"text":"falls within one of the other cases where national law provides for withdrawal of an authorisation.","marks":[],"revision":1,"text_hash":"5b18dd89096c152cdde8c21bf87d4ceb898da80418d83423978985e74b97f37c","reason":null},{"locator":"psd2/art/13/para/2","kind":"paragraph","status":"in_force","label":"2.","heading":null,"text":"The competent authority shall give reasons for any withdrawal of an authorisation and shall inform those concerned accordingly.","marks":[],"revision":1,"text_hash":"75c979f86a2c99854430d72f22939f448a6386dec2250aaf79943445b93126a4","reason":null},{"locator":"psd2/art/13/para/3","kind":"paragraph","status":"in_force","label":"3.","heading":null,"text":"The competent authority shall make public the withdrawal of an authorisation, including in the registers referred to in Articles 14 and 15.","marks":[],"revision":1,"text_hash":"ea93b7d7938f6a86e98e3fb7608850b415830218288bc3c2b28b5134eb9619a7","reason":null}],"markdown":"*In force · Consolidated version of 17 January 2025 · Verified 9 Nov 2026 · [Official source](https://eur-lex.europa.eu/legal-content/EN/TXT/?uri=CELEX:02015L2366-20250117)*\n\n1. <a id=\"p-1\"></a>The competent authorities may withdraw an authorisation issued to a payment institution only if the institution:\n\n    <a id=\"p-1-a\"></a>**(a)** does not make use of the authorisation within 12 months, expressly renounces the authorisation or has ceased to engage in business for more than 6 months, if the Member State concerned has made no provision for the authorisation to lapse in such cases;\n\n    <a id=\"p-1-b\"></a>**(b)** has obtained the authorisation through false statements or any other irregular means;\n\n    <a id=\"p-1-c\"></a>**(c)** no longer meets the conditions for granting the authorisation or fails to inform the competent authority on major developments in this respect;\n\n    <a id=\"p-1-d\"></a>**(d)** would constitute a threat to the stability of or the trust in the payment system by continuing its payment services business; or\n\n    <a id=\"p-1-e\"></a>**(e)** falls within one of the other cases where national law provides for withdrawal of an authorisation.\n2. <a id=\"p-2\"></a>The competent authority shall give reasons for any withdrawal of an authorisation and shall inform those concerned accordingly.\n3. <a id=\"p-3\"></a>The competent authority shall make public the withdrawal of an authorisation, including in the registers referred to in [Articles 14](14.md) and [15](15.md).\n\n## Related Level 2 and Level 3\n\n### Guidance and Q&A\n\n- [EBA Q&A 2018_4360 — Q&A — Application of the exemption related to a trusted \\[Final Q&A\\]](../level-3/q-and-a/eba/eba-qa-2018-4360-application-of-the-exemption-related-to-a-trusted.md)\n- [EBA Q&A 2022_6437 — Q&A — Annex VI - Agentes/distributors \\[Final Q&A\\]](../level-3/q-and-a/eba/eba-qa-2022-6437-annex-vi-agentes-distributors.md)\n\n***\n\n[Title II — Payment service providers](../titles/ii.md) · [← Article 12](12.md) · [Article 14 →](14.md)\n"}