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---
title: "EBA Q&A 2024_7199 — Q&A — non-discrimination in implementing PSD2 [Rejected question]"
shortTitle: "EBA Q&A 2024_7199 — Q&A — non-discrimination in implementing PSD2 [Rejected question]"
answer_id: EBA_QA_2024_7199
status: "Rejected question"
type: qa
instrument_type: qa
authority: EBA
binding: false
binding_character: non_binding
legal_status: withdrawn
regulation: "PSD2"
psd2_level3: true
mica_level2: false
legal_basis: "Article 10(1) PSD2"
date: 29 April 2025
source_link: https://www.eba.europa.eu/single-rule-book-qa/qna/view/publicId/2024_7199
lifecycle: "Rejected question"
text_version: "EBA Q&A register, 29 April 2025"
source_url: "https://www.eba.europa.eu/single-rule-book-qa/qna/view/publicId/2024_7199"
check_status: matched
verified: true
last_checked: 2026-10-26
checked_against: "the EBA publication"
source:
  prepared_by: "not stated in the document"
  published_by: "EBA"
  published_in: "EBA Single Rulebook Q&A tool"
  evidence:
    prepared_by: "Credit institution"
    locator: "EBA Q&A register entry 2024_7199: no answer; the register names only the 'Type of submitter'"
document_type: "qa_question"
legal_nature: "not_legislation"
addressees: "not stated in the document"
dates:
  published_on: "2025-04-29"
  question_submitted_on: "2024-09-16"
  locators:
    published_on: "EBA Q&A register entry 2024_7199, field 'Rejected publishing date'"
    question_submitted_on: "EBA Q&A register entry 2024_7199, field 'Submission date'"
lifecycle_label: "Rejected question"
---

**Question published in the EBA Q&A tool · no answer · not legislation · published 29 Apr 2025 [Rejected question]**

*Rejected question · EBA Q&A register, 29 April 2025 · Checked against the EBA publication on 26 Oct 2026 · [Official source](https://www.eba.europa.eu/single-rule-book-qa/qna/view/publicId/2024_7199)*

| | |
|---|---|
| **Full title** | EBA Q&A 2024_7199 — Q&A — non-discrimination in implementing PSD2 \[Rejected question\] |
| **Prepared by** | Not stated in the document |
| **Published by** | EBA, in the EBA Single Rulebook Q&A tool |
| **Reference** | EBA_QA_2024_7199 |
| **Document type** | Q&A |
| **Legal nature** | No answer · not legislation |
| **Addressees** | Not stated in the document |
| **Dates** | Published 29 April 2025; question submitted 16 September 2024 |
| **Legal basis** | Article 10(1) PSD2 |
| **Related instruments** | None recorded |
| **Text on this page** | Word for word — the full text of the EBA publication |

**non-discrimination in implementing PSD2 for safeguarding mechanisms**

### Question

The PSD2 includes important provisions regarding safeguarding accounts for payment institutions (PIs) and electronic money institutions (EMIs). These accounts shall be additionally protected by the credit institutions providing them so they should be free from seizure and the funds kept at them shall not be considered the property of a PI or an EMI in case of bankruptcy of the safeguarding account holder.

These provisions have been transposed into the law of the Republic of Poland effective in December 2018.

However, according to the transposition, these safeguarding accounts provide these protections (freedom from seizure and not being considered the property of the bankrupt holder) only to the Polish PIs and Polish EMIs (so called “home” PIs and EMIs).

The law has been so formulated that the safeguarding accounts opened in Poland for the non-Polish (yet EEA-based), properly notified to Poland PIs or EMIs do not enjoy these protections.

Is this the proper transposition of the PSD2 provisions of safeguarding accounts or is this the example of the incorrect transposition resulting in the market discrimination of the PIs and EMIs which are not based in Poland?

### Background

The Polish implementation of the PSD2 in the local "Payment Services Act" mentions that the safeguarding account should be free from seizure and the funds kept at them shall not be considered the property of a PI or an EMI in case of bankruptcy of the safeguarding account holder only if this is a "home Payment Institution" or "home EMI" which means the PI or EMI registered and licensed in Poland. There is no mention in the Act allowing to protect the safeguarding account opened in Poland for a non-Polish PI or EMI.

***

### Answer

This question has been rejected because it is out of scope of the Q&A process /tool and does not relate to the legislative acts referred to in Article 1(2) of the EBA Regulation and their associated delegated and implementing acts, guidelines and recommendations.

The Single Rule Book Q&A tool has been established to provide explanations and non-binding interpretations on questions relating to the practical application or implementation of the provisions of legislative acts referred to in Article 1(2) of the EBA’s founding Regulation, as well as associated delegated and implementing acts, and guidelines and recommendations, adopted under these legislative acts.

For further information on the purpose of this tool and on how to submit questions, please see “Additional background and guidance for asking questions”.

***

**Source:** [EBA original document](https://www.eba.europa.eu/single-rule-book-qa/qna/view/publicId/2024_7199)

## Related Level 1 articles

- [Article 10 — Safeguarding requirements](../../../articles/10.md)