{"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/24","url":"https://www.headlesslaw.com/psd2/articles/24","title":"Article 24 — Professional secrecy","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":"690cab98e8b9816e","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/24/versions/2015-12-23","revision_url":"https://www.headlesslaw.com/psd2/articles/24/versions/2015-12-23/rev/690cab98e8b9816e","versions_url":"https://www.headlesslaw.com/psd2/articles/24/versions","relations_url":"https://www.headlesslaw.com/psd2/articles/24/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":"2399745a0783d2e81c1207e9ddcf48ca066713705a737de25d71f4e72b0f398b","markdown_sha256":"1d7364af70e74e19133f9d7d0f63157faa3c1ad2b2a04eab5280e32196102439"},"units":[{"locator":"psd2/art/24","kind":"article","status":"in_force","label":null,"heading":"Professional secrecy","text":"","marks":[],"revision":1,"text_hash":"e3b0c44298fc1c149afbf4c8996fb92427ae41e4649b934ca495991b7852b855","reason":null},{"locator":"psd2/art/24/para/1","kind":"paragraph","status":"in_force","label":"1.","heading":null,"text":"Member States shall ensure that all persons who work or who have worked for the competent authorities, as well as experts acting on behalf of the competent authorities, are bound by the obligation of professional secrecy, without prejudice to cases covered by criminal law.","marks":[],"revision":1,"text_hash":"e03169ace908864f6d634026439113ce321555961961a8fe4eefb3174c8d70cd","reason":null},{"locator":"psd2/art/24/para/2","kind":"paragraph","status":"in_force","label":"2.","heading":null,"text":"In the exchange of information in accordance with Article 26, professional secrecy shall be strictly applied to ensure the protection of individual and business rights.","marks":[],"revision":1,"text_hash":"ec1202b21d876d421c131c6a0d8ce4c1e4961d8394bb30cdacc0365e732452f9","reason":null},{"locator":"psd2/art/24/para/3","kind":"paragraph","status":"in_force","label":"3.","heading":null,"text":"Member States may apply this Article taking into account, mutatis mutandis, Articles 53 to 61 of Directive 2013/36/EU.","marks":[],"revision":1,"text_hash":"d64fbff115a3203c729f42fb1668a110f4b21b41af72665104d1264e090549ee","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>Member States shall ensure that all persons who work or who have worked for the competent authorities, as well as experts acting on behalf of the competent authorities, are bound by the obligation of professional secrecy, without prejudice to cases covered by criminal law.\n2. <a id=\"p-2\"></a>In the exchange of information in accordance with [Article 26](26.md), professional secrecy shall be strictly applied to ensure the protection of individual and business rights.\n3. <a id=\"p-3\"></a>Member States may apply this Article taking into account, mutatis mutandis, Articles 53 to 61 of Directive 2013/36/EU.\n\n## Related Level 2 and Level 3\n\n### Guidance and Q&A\n\n- [EBA Q&A 2020_5626 — Q&A — Association with the payment service user by means \\[Final Q&A\\]](../level-3/q-and-a/eba/eba-qa-2020-5626-association-with-the-payment-service-user-by-means-of-a.md)\n\n***\n\n[Title II — Payment service providers](../titles/ii.md) · [← Article 23](23.md) · [Article 25 →](25.md)\n"}