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by the EBA, published in its Q&A tool · not legislation · published 14 Dec 2018 [Final Q&A]","attribution":{"prepared_by":"EBA","published_by":"EBA","published_in":"EBA Single Rulebook Q&A tool","document_type":"qa_answer","legal_nature":"not_legislation","addressees":"not stated in the document","dates":{"published_on":"2018-12-14","question_submitted_on":"2018-07-30","locators":{"published_on":"EBA Q&A register entry 2018_4172, field 'Final publishing date'","question_submitted_on":"EBA Q&A register entry 2018_4172, field 'Submission date'"}},"adoption":null}},"provenance":{"official_url":"https://www.eba.europa.eu/single-rule-book-qa/qna/view/publicId/2018_4172","check":{"result":"matched","checked_at":"2026-10-26","against":"the EBA publication"},"repo_path":"spaces/psd2/level-3/q-and-a/eba/eba-qa-2018-4172-interpretation-of-active-request-for-account-information.md","body_sha256":"dc701bd81f77dad87abe3ab4a7e95f077a9cfea147f9f062b0487f00ebb811ee"},"units":[],"markdown":"---\ntitle: \"EBA Q&A 2018_4172 — Q&A — Interpretation of 'Active request for account [Final Q&A]\"\nshortTitle: \"EBA Q&A 2018_4172 — Q&A — Interpretation of 'Active request for account [Final Q&A]\"\nanswer_id: EBA_QA_2018_4172\nstatus: \"Final Q&A\"\ntype: qa\ninstrument_type: qa\nauthority: EBA\nbinding: false\nbinding_character: non_binding\nlegal_status: in_force\nregulation: \"PSD2\"\npsd2_level3: true\nmica_level2: false\nlegal_basis: \"Article 67 PSD2\"\ndate: 14 December 2018\nsource_link: https://www.eba.europa.eu/single-rule-book-qa/qna/view/publicId/2018_4172\nlifecycle: \"Final Q&A\"\ntext_version: \"EBA Q&A register, 14 December 2018\"\nsource_url: \"https://www.eba.europa.eu/single-rule-book-qa/qna/view/publicId/2018_4172\"\ncheck_status: matched\nverified: true\nlast_checked: 2026-10-26\nchecked_against: \"the EBA publication\"\nsource:\n  prepared_by: \"EBA\"\n  published_by: \"EBA\"\n  published_in: \"EBA Single Rulebook Q&A tool\"\n  evidence:\n    prepared_by: \"Answer prepared by the EBA.\"\n    locator: \"EBA Q&A register entry 2018_4172, field 'Answer prepared by'\"\ndocument_type: \"qa_answer\"\nlegal_nature: \"not_legislation\"\naddressees: \"not stated in the document\"\ndates:\n  published_on: \"2018-12-14\"\n  question_submitted_on: \"2018-07-30\"\n  locators:\n    published_on: \"EBA Q&A register entry 2018_4172, field 'Final publishing date'\"\n    question_submitted_on: \"EBA Q&A register entry 2018_4172, field 'Submission date'\"\nlifecycle_label: \"Final Q&A\"\n---\n\n**Answer by the EBA, published in its Q&A tool · not legislation · published 14 Dec 2018 [Final Q&A]**\n\n*Final Q&A · EBA Q&A register, 14 December 2018 · Checked against the EBA publication on 26 Oct 2026 · [Official source](https://www.eba.europa.eu/single-rule-book-qa/qna/view/publicId/2018_4172)*\n\n| | |\n|---|---|\n| **Full title** | EBA Q&A 2018_4172 — Q&A — Interpretation of 'Active request for account \\[Final Q&A\\] |\n| **Prepared by** | EBA |\n| **Published by** | EBA, in the EBA Single Rulebook Q&A tool |\n| **Reference** | EBA_QA_2018_4172 |\n| **Document type** | Q&A |\n| **Legal nature** | Not legislation |\n| **Addressees** | Not stated in the document |\n| **Dates** | Published 14 December 2018; question submitted 30 July 2018 |\n| **Legal basis** | Article 67 PSD2 |\n| **Related instruments** | None recorded |\n| **Text on this page** | Word for word — the full text of the EBA publication |\n\n**Interpretation of 'Active request for account information'**\n\n### Question\n\nHow should 'active request for account information' by a Payment Service User (PSU) be interpreted the wording of article 36(5)(a)(b) of the RTS SCA?\n\n### Background\n\nAccount servicing payment service providers (ASPSPs) want to offer the best customer experience, however also needs clarity what an active request for information of the PSU actually is (as these are not part of the 4x a day limitation). Currently it is unclear which actions a customer needs to do (i.e. only opening the app or to swipe/push a button in the app) are needed to update the information showed in the account information overview.\n\nThe implications are mainly around the resources involved with increasing bandwidth of IT infrastructure. A liberal interpretation of the concept of an ‘active request’ implies more requests/traffic to the API and, thus it is expected by our engineers, a higher infrastructure bandwidth would be required. A liberal interpretation might in example be that opening up an AIS app by a user is already an active request to refresh his/her AIS information – rather than having to perform a separate in app action like hitting a refresh button.\n\n***\n\n### Answer\n\nArticle 36(5)(b) of Commission Delegated Regulation (EU) 2018/389 states that the Account Information Service Provider (AISP) shall be able to access the relevant and necessary information from the account servicing payment service provider (ASPSP) “whenever the payment service user (PSU) is actively requesting such information”. The reference to ‘active request’ refers to the PSU being in session at the time of the request and proactively performing an action, predefined by the AISP, to request such information. It does not include the case where the PSU has given a mandate to an AISP to access whenever possible or the case where the AISP is mandated to refresh automatically the information whenever the PSU is accessing the AISP application(s).\n\n***\n\n**Source:** [EBA original document](https://www.eba.europa.eu/single-rule-book-qa/qna/view/publicId/2018_4172)\n\n## Related Level 1 articles\n\n- [Article 67 — Rules on access to and use of payment account information in the case of account information services](../../../articles/67.md)\n"}