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---
title: "Article 36 — Access to accounts maintained with a credit institution"
type: regulation
legal_status: in_force
source: "https://eur-lex.europa.eu/legal-content/EN/TXT/?uri=CELEX:02015L2366-20250117"
source_retrieved: 2026-10-08
shortTitle: "Article 36 — Access to accounts maintained with a credit institution"
instrument_type: level1_directive
authority: Commission
binding: true
binding_character: binding
mica_level2: false
legal_basis: "Directive (EU) 2015/2366"
instrument: psd2
celex: "32015L2366"
regulation: PSD2
regulation-full: "Directive (EU) 2015/2366"
article: 36
status: in_force
object_id: eu.psd2.legal_text.article.36
text_version: "Consolidated version of 17 January 2025"
source_url: "https://eur-lex.europa.eu/legal-content/EN/TXT/?uri=CELEX:02015L2366-20250117"
check_status: matched
verified: true
last_checked: 2026-11-09
---

*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)*

Member States shall ensure that payment institutions have access to credit institutions’ payment accounts services on an objective, non-discriminatory and proportionate basis. Such access shall be sufficiently extensive as to allow payment institutions to provide payment services in an unhindered and efficient manner.

The credit institution shall provide the competent authority with duly motivated reasons for any rejection.

***

[Title II — Payment service providers](../titles/ii.md) · [← Article 35a](35a.md) · [Article 37 →](37.md)