Building a Digital Europe


Open Banking Europe supports the regulatory aims of facilitating innovation,
competition and efficiency, giving consumers more choice and higher
security for online payments in the EU.

We do this by bringing market players together and turning regulatory
requirements into operational reality. At the heart of this
are the OBE directory services that will be the
trusted reference for the industry.

The Open Banking Europe

Competent Authorities & Associations

Account Servicing Payment Service Provider

Third Party Providers

Qualified Trust Service Providers

Solution Providers

What's going on ?

Our resources provide you with the key concepts necessary to better understand PSD2 Access to Account.

Documents, slides, recorded webinars, country reports, bring together in one place the operational and security elements needed to comply with PSD2 XS2A and Open Banking.

The directory and connecting to its API, demonstrates how to verify the identity and the right to provide PSD2 services across 31 European registers.

Explore the Resources

The access to account lifecycle

The access to account lifecyle has five stages. Firstly, both parties must be regulated and properly published in the Home Member State’s register. Then they must get a certificate. Then they must interact with the bank, to get documentation and test that all credentials work properly. At this point the actual Account Access can take place, with a real PSU initiating a payment or requesting Account Information. Finally there is always transaction follow up, whether simply reporting or whether disputes and reconciliations.





Each national regulator publishes data using their own formats their own terminology and their own rules and timetable.

Verifying Regulatory Access Rights of TPPs
The PRETA Open Banking Europe directory provides a single, standardised, trusted, machine readable source for all TPPs in Europe.

Storing and retrieving TPP operational Information
The PRETA Open Banking Europe directory provides a central repository for TPPs to put contact information, so that ASPSPs can notify them of changes, or contact them in case of incidents.

Storing and retrieving AS PSP Operational Information
The PRETA Open Banking Europe directory provides a central repository for ASPSPs to put operational information, such that TPPs can find the correct location of documentation, correct end points, not only for each bank, but for each brand and service.

Explore the Directory

News and events

Conference March 20th: eIDAS meets PSD2. Securing access to financial services with qualified certificates

ETSI and Open Banking Europe (OBE) will organize the eIDAS meets PSD2 workshop, an event on securing access to financial services with...
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Summary of Open Banking Europe activities, January 2018

Dear Colleagues, Below is a brief description of some of our activities in the month of January. PSD2 went live!...
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14th and 15th March – > Open Banking Europe at European Payment Summit

On 14th and  15th March, Open Banking Europe team will attend the European Payment Summit, the international event gathering all...
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