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---
title: "EBA Q&A 2019_4564 — Q&A — Exemptions from Strong Customer Authentication (SCA) [Final Q&A]"
shortTitle: "EBA Q&A 2019_4564 — Q&A — Exemptions from Strong Customer Authentication (SCA) [Final Q&A]"
answer_id: EBA_QA_2019_4564
status: "Final Q&A"
type: qa
instrument_type: qa
authority: EBA
binding: false
binding_character: non_binding
legal_status: in_force
regulation: "PSD2"
psd2_level3: true
mica_level2: false
legal_basis: "Article 15 PSD2"
date: 19 June 2020
source_link: https://www.eba.europa.eu/single-rule-book-qa/qna/view/publicId/2019_4564
lifecycle: "Final Q&A"
text_version: "EBA Q&A register, 19 June 2020"
source_url: "https://www.eba.europa.eu/single-rule-book-qa/qna/view/publicId/2019_4564"
check_status: matched
verified: true
last_checked: 2026-10-26
checked_against: "the EBA publication"
source:
  prepared_by: "EBA"
  published_by: "EBA"
  published_in: "EBA Single Rulebook Q&A tool"
  evidence:
    prepared_by: "Answer prepared by the EBA."
    locator: "EBA Q&A register entry 2019_4564, field 'Answer prepared by'"
document_type: "qa_answer"
legal_nature: "not_legislation"
addressees: "not stated in the document"
dates:
  published_on: "2020-06-19"
  question_submitted_on: "2019-02-21"
  locators:
    published_on: "EBA Q&A register entry 2019_4564, field 'Final publishing date'"
    question_submitted_on: "EBA Q&A register entry 2019_4564, field 'Submission date'"
lifecycle_label: "Final Q&A"
---

**Answer by the EBA, published in its Q&A tool · not legislation · published 19 Jun 2020 [Final Q&A]**

*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/2019_4564)*

| | |
|---|---|
| **Full title** | EBA Q&A 2019_4564 — Q&A — Exemptions from Strong Customer Authentication (SCA) \[Final Q&A\] |
| **Prepared by** | EBA |
| **Published by** | EBA, in the EBA Single Rulebook Q&A tool |
| **Reference** | EBA_QA_2019_4564 |
| **Document type** | Q&A |
| **Legal nature** | Not legislation |
| **Addressees** | Not stated in the document |
| **Dates** | Published 19 June 2020; question submitted 21 February 2019 |
| **Legal basis** | Article 15 PSD2 |
| **Related instruments** | None recorded |
| **Text on this page** | Word for word — the full text of the EBA publication |

**Exemptions from Strong Customer Authentication (SCA): credit transfers**

### Question

Can the exemption under Article 15 of the RTS on SCA be applied to credit transfers between a personal account and a business account held by the same person.

### Background

Article 15 of the RTS allows for PSPs to apply an exemption from Strong Customer Authentication, "where the payer initiates a credit transfer in circumstances where the payer and payee are the same natural or legal person and both payment accounts are held by the same account servicing payment service provider."

It is common for an individual, particularly those with small businesses, to have their personal and business accounts with the same banking institution and carry out regular transfers between the two account types.

For example, can John Smith transfer funds from his personal account to the business account of John Smith Ltd. without the need for applying Strong Customer Authentication?

***

### Answer

In accordance with Article 15 of the Delegated Regulation (EU) 2018/389, payment service providers (PSPs) are allowed not to apply strong customer authentication (SCA) “where the payer initiates a credit transfer in circumstances where the payer and the payee are the same natural or legal person and both payment accounts are held by the same account servicing payment service provider (ASPSP)”.

In that regard, the Article 15 exemption may apply to credit transfers where the payer is a natural person who is crediting their business account held within the same ASPSP in their capacity as a natural person (e.g. sole trader), provided that the requirements of Article 2 of the Delegated Regulation are met. However, the Article 15 exemption cannot be applied to credit transfers between natural and legal persons and vice versa.

Finally, it is for the PSP to decide whether to make use of the Article 15 exemption or not.

***

**Source:** [EBA original document](https://www.eba.europa.eu/single-rule-book-qa/qna/view/publicId/2019_4564)

## Related Level 1 articles

- [Article 15 — EBA register](../../../articles/15.md)