{"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/85","url":"https://www.headlesslaw.com/psd2/articles/85","title":"Article 85 — Cash placed on a payment account","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":"8c600c43e0ce4b4e","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/85/versions/2015-12-23","revision_url":"https://www.headlesslaw.com/psd2/articles/85/versions/2015-12-23/rev/8c600c43e0ce4b4e","versions_url":"https://www.headlesslaw.com/psd2/articles/85/versions","relations_url":"https://www.headlesslaw.com/psd2/articles/85/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":"205ac602e4745abf5c0c6a579883ba987182fdd9cfa1cd0e4947800decc762d5","markdown_sha256":"0db99e7d78b7def5ea1f4a5a7c37c669fa056606eb1063bb3ece59d1b9377d69"},"units":[{"locator":"psd2/art/85","kind":"article","status":"in_force","label":null,"heading":"Cash placed on a payment account","text":"","marks":[],"revision":1,"text_hash":"e3b0c44298fc1c149afbf4c8996fb92427ae41e4649b934ca495991b7852b855","reason":null},{"locator":"psd2/art/85/subpara/1","kind":"subparagraph","status":"in_force","label":null,"heading":null,"text":"Where a consumer places cash on a payment account with that payment service provider in the currency of that payment account, the payment service provider shall ensure that the amount is made available and value dated immediately after receipt of the funds. Where the payment service user is not a consumer, the amount shall be made available and value dated at the latest on the following business day after receipt of the funds.","marks":[],"revision":1,"text_hash":"2e05c78b5e8a253aa17d82dd6e39ae2ac5f61f5934b1f132943e92e5541b848c","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\nWhere a consumer places cash on a payment account with that payment service provider in the currency of that payment account, the payment service provider shall ensure that the amount is made available and value dated immediately after receipt of the funds. Where the payment service user is not a consumer, the amount shall be made available and value dated at the latest on the following business day after receipt of the funds.\n\n***\n\n[Title IV — Rights and obligations in relation to the provision and use of payment services](../titles/iv.md) · [← Article 84](84.md) · [Article 86 →](86.md)\n"}