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2020 [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":"2020-06-19","question_submitted_on":"2018-11-13","locators":{"published_on":"EBA Q&A register entry 2018_4371, field 'Final publishing date'","question_submitted_on":"EBA Q&A register entry 2018_4371, field 'Submission date'"}},"adoption":null}},"provenance":{"official_url":"https://www.eba.europa.eu/single-rule-book-qa/qna/view/publicId/2018_4371","check":{"result":"matched","checked_at":"2026-10-26","against":"the EBA publication"},"repo_path":"spaces/psd2/level-3/q-and-a/eba/eba-qa-2018-4371-categories-of-registration.md","body_sha256":"74ced31f3ba73d54a0ca2db0024464d71e2cab6b1a4dfd1d5c4ac6b44750738a"},"units":[],"markdown":"---\ntitle: \"EBA Q&A 2018_4371 — Q&A — Categories of Registration [Final Q&A]\"\nshortTitle: \"EBA Q&A 2018_4371 — Q&A — Categories of Registration [Final Q&A]\"\nanswer_id: EBA_QA_2018_4371\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: \"PSD2\"\ndate: 19 June 2020\nsource_link: https://www.eba.europa.eu/single-rule-book-qa/qna/view/publicId/2018_4371\nlifecycle: \"Final Q&A\"\ntext_version: \"EBA Q&A register, 19 June 2020\"\nsource_url: \"https://www.eba.europa.eu/single-rule-book-qa/qna/view/publicId/2018_4371\"\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_4371, field 'Answer prepared by'\"\ndocument_type: \"qa_answer\"\nlegal_nature: \"not_legislation\"\naddressees: \"not stated in the document\"\ndates:\n  published_on: \"2020-06-19\"\n  question_submitted_on: \"2018-11-13\"\n  locators:\n    published_on: \"EBA Q&A register entry 2018_4371, field 'Final publishing date'\"\n    question_submitted_on: \"EBA Q&A register entry 2018_4371, field 'Submission date'\"\nlifecycle_label: \"Final Q&A\"\n---\n\n**Answer by the EBA, published in its Q&A tool · not legislation · published 19 Jun 2020 [Final Q&A]**\n\n*Final Q&A · EBA Q&A register, 19 June 2020 · Checked against the EBA publication on 26 Oct 2026 · [Official source](https://www.eba.europa.eu/single-rule-book-qa/qna/view/publicId/2018_4371)*\n\n| | |\n|---|---|\n| **Full title** | EBA Q&A 2018_4371 — Q&A — Categories of Registration \\[Final Q&A\\] |\n| **Prepared by** | EBA |\n| **Published by** | EBA, in the EBA Single Rulebook Q&A tool |\n| **Reference** | EBA_QA_2018_4371 |\n| **Document type** | Q&A |\n| **Legal nature** | Not legislation |\n| **Addressees** | Not stated in the document |\n| **Dates** | Published 19 June 2020; question submitted 13 November 2018 |\n| **Legal basis** | PSD2 |\n| **Related instruments** | None recorded |\n| **Text on this page** | Word for word — the full text of the EBA publication |\n\n**Categories of Registration**\n\n### Question\n\nIs it a requirement that all EU countries include the categories the institution is approved for within their respective registers i.e. in their publicly available data? Also are these categories available in a consistent and standard format across the EU such that anyone inquiring about a firm in more than one country has an easily recognisable and usable response\n\n### Background\n\nWhen I look up an institution, I need to be able to see what they are approved for or it makes no sense.\n\nMy understanding is that as a result of the implementation of the EU Directive PSD2, Competent Authorities in all EU countries have to maintain a publicly accessible register of all E-Money and Payment Institutions. Article 14 of the directive talks about this. Annex 1 talks about the different approvals available for such institutions numbered 1 - 8. As an example, here is the link to the one produced by the Belgium authorities: https://www.nbb.be/nl/financieel-toezicht/prudentieel-toezicht/toezichtsdomeinen/betalingsinstellingen-en-instellingen-15#bm\\_Header\\_0\n\nAs all Competent Authorities must provide information on approvals of financial bodies for public consumption it would seem logical that they also include the categories they are approved for (e.g. code 6 means approval for Money Remittance, code 8 is Account Information Services).\n\nMy question is in two parts - 1 whether they have to include the category of approval in their publicly available data and 2 - It would be extremely useful if this were available in a consistent and standard format across the EU such that anyone inquiring about a firm in more than one country has an easily recognisable and usable response. So, suppose I wanted to use a particular bank in France and Spain for Money Remittance, then I could check the online databases of the two Competent Authorities and get a consistent response about whether I can use that bank in both countries because they are approved for that service - or not.\n\n***\n\n### Answer\n\nArticle 14 of Directive 2015/2366/EU (PSD2) requires Member States to establish a public register which includes authorised payment institutions and the payment services for which the payment institution is authorized. In accordance with Article 111(1)(a) of PSD2, this also applies to electronic money institutions and the services they provide. PSD 2, however, does not specify a standardised format for these national public registers.\n\nIn order to enhance transparency of the operations of payment and electronic money institutions authorised or registered throughout the EU and to ensure a high level of consumer protection, Article 15 of PSD2 requires the EBA to develop, operate and maintain an electronic central register that contains information as notified by competent authorities.\n\nArticle 1 of the Commission Implementing Regulation (EU) 2019/410 specifies the type of natural and legal persons that should be notified by competent authorities to the EBA. These natural and legal persons, include:\n\nPayment institutions as legally defined in Article 4(4) of PSD2;\n\nExempted payment institutions under Article 32 of PSD2;\n\nExempted account information service providers under Article 33 of PSD2;\n\nElectronic money institutions as legally defined in Article 2(1) of Directive 2009/110/EC (Electronic Money Directive, or EMD);\n\nExempted electronic money institutions under Article 9 of EMD;\n\nAgents as legally defined in Article 4(38) of PSD2;\n\nEEA branches as legally defined in Article 4(39) of PSD2;\n\nInstitutions entitled under national law to provide payment services under Article 2(5) of PSD2;\n\nService providers excluded from the scope of PSD2 under points (i) and (ii) of point (k) and point (l) of Article 3 of PSD2.\n\nThe Annex to the Implementing Regulation, in turn, prescribes the specific information that should be notified by competent authorities for the above natural and legal persons, including information on the services provided by them.\n\nIn line with the requirements of Article 15 of PSD2 and the Implementing Regulation, the EBA developed and operates the central register under PSD2, which contains all of the above information in an aggregated, standardised and consistent manner. The register is available on the website of the EBA and ensures easy and free public access to the information contained therein.\n\nFinally, as clarified in Q&A 2019\\_4650, “credit institutions are entitled to provide the whole range of payment services, including ‘issuing of payment instruments’, ‘payment initiation services’ and/or ‘account information services’, but credit institutions are not covered in the central register under PSD2. Information on all credit institutions can be found in the EBA Credit institutions register that was established based on the EBA Decision establishing the Credit Institution Register”.\n\n***\n\n**Source:** [EBA original document](https://www.eba.europa.eu/single-rule-book-qa/qna/view/publicId/2018_4371)\n"}