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---
title: "Article 84 — Absence of payee’s payment account with the payment service provider"
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 84 — Absence of payee’s payment account with the payment service provider"
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: 84
status: in_force
object_id: eu.psd2.legal_text.article.84
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)*

Where the payee does not have a payment account with the payment service provider, the funds shall be made available to the payee by the payment service provider who receives the funds for the payee within the time limit laid down in [Article 83](83.md).

***

[Title IV — Rights and obligations in relation to the provision and use of payment services](../titles/iv.md) · [← Article 83](83.md) · [Article 85 →](85.md)