Introducing Open Banking Europe

The Open Banking Europe (OBE) scope in a glance.

Open Banking Europe Participants list

Here is the list of the financial institutions and service providers participating in the Open Banking Europe initiative.

OBE Meetings and Events 2020

Directory description, FAQ and sandbox

Directory: Short Product Description

This document provides a synthetic description of PRETA’s Open Banking Europe Directory, responding to the main questions about the aim and scope of the Directory.

PRETA OBE Directory FAQs

The PRETA Open Banking Europe Directory Frequently Asked Questions (FAQ) document provides the answers to common questions about the Open Banking Europe (OBE) Directory initiative.

Directory Testing Sandbox

The sandbox available for those who are registered and want to test the directory APIs and functionalities.

Directory Documentation

These documents are strictly available only to OBE participants.

Transparency Directory Factsheet

PSD2 resources

Regulatory & Market map

A clear view of initiatives that can be of support in the PSD2 journey.

The Access to Account lifecycle

The access to account lifecyle has five stages: registration and passporting, eIDAS certificates, setup, interfaces and Sca, revocation and disputes. We have analysed what is behind each of them compiling documents from different resources.

National Registers

The list of all national registers in one place.

Guide: Registration & Passporting

This guide summarises the terminology and processes set out in the revised Payment Services Directive (PSD2) that are required to enable regulated entities (Payment Service Providers) to provide payment services, including Access to Account (XS2A), across Europe.


Qualified certificates are issued by QTSPs. Here you will find a list of QTSPs who are offering PSD2 certificates and more info on the certificate standards, requirements and timeline developed by ETSI as well as the official list of QTSPs in the EU.

eIDAS Qualified Certificates FAQ

The eIDAS Qualified Certificates Frequently Asked Questions (FAQ) document provides the answers to common questions about the use of Qualified certificates to support secure communications between payment services under PSD2 and their related Regulatory Technical Standards (RTS).

QTSPs offering eIDAS certificates

This document contains a list of QTSPs who are offering PSD2 certificates and are part of the OBE QTSPs Engagement group.

Guide: TPP User-Management

This guide summarises the considerations and processes that are necessary to enable Account Servicing Payment Services Providers (ASPSPs) to provide secure and controlled Access to Accounts (XS2A) Services to those Third Party Providers (TPPs) who want to offer the new Payment Services available in Europe under PSD2. It focuses on Internet Security, Controlled Access and TPP Onboarding.

Guide: Understanding Internet Security & eIDAS Certificates

This guide focuses on the standardisation of Electronic Identification, Authentication & Trust Services Regulation (eIDAS) Qualified Certificates for PSD2.

Security and Identification Standards for APIs & Communications

The “Identification and Security” model comprises five key elements or choices that ASPSPs can make when developing PSD2 APIs, leading to multiple combinations of implementation. This document describes the five key choices with reference to eIDAS certificates.

The Identification and Security market survey. A five question questionnaire for ASPSPs

This short (five questions !) questionnaire gathers information about how the market is implementing identification and security.

PSD2 JWS Protection Profile Using eIDAS x509 Certificates

One of the common security requirements for financial data exchanges is non-repudiation, which involves ‘signing’ messages between TPPs and ASPSPs. One of the official standards for signing APIs with x.509 certificates is Jason Web Token / Jason Web Signature methodology. This documents provides a JWS profile to ensure consistent implementation across banks. It is currently published as a draft for industry discussion.

Infographic on TPPs

Some figures on TPPs in EU

TPP Authorisation Number Lookup

TPP Authorisation Number Lookup

API Functions Dictionary [DRAFT]

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Trust Anchors vs Commercial Root Certificates

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Press releases

06/02/2020 - Press release: Open Banking Europe launched a TPP Authorisation Number Lookup tool

06/11/2019 - Press Release: OBE to launch PSD2 Transparency Directory

20/09/2019 - Press release: PRETA’s Open Banking Europe launches QTSP Engagement Group

10/09/2019 - Press release : SOCIETE GENERALE chooses Open Banking Europe Directory to verify TPPs’ identity and regulatory access rights

PRETA announced today that SOCIETE GENERALE has joined the growing community of over 300 financial institutions relying on PRETA Open Banking Europe (OBE) Directory to support on the PSD2 access-to-account compliance processes

30/07/2019 - Press release: More than 300 banks across Europe use PRETA’s Open Banking Europe Directory to facilitate PSD2-compliant access to account and payment processing

As the PSD2 deadline draws closer, the single, standardised Directory developed by PRETA represents a reference point for ASPSPs and TPPs access to account.

2/04/2019 - Press release: PRETA opens onboarding for Open Banking Europe directory

PRETA goes live with the pan-European Open Banking Europe directory to support PSD2 compliance

2/10/2018 - Press release : Over 40 leading financial industry players support PRETA’s pan-European PSD2 access directory

PRETA announced today that over 40 major European financial institutions and service providers have signed up to fund and complete PRETA’s pan-European PSD2 access directory.

8/06/2018 - Press release : PRETA launches the next phase to complete the Open Banking Europe PSD2 Directory

Following the work started in 2017 to prototype and start developing a directory for open banking services, PRETA announced today the launch of phase 2 of its Open Banking Europe (OBE) directory project.

19/03/2018 - Press release : 30 participants signed up to Open Banking Europe

PRETA announced today that 30 financial institutions and industry service providers have joined Open Banking Europe, an initiative launched by PRETA in June 2017 to respond to market needs for a centralised PSD2 directory.

16/06/2017 - Press release : PRETA launches project to build PSD2 directory

Following a stakeholder consultation started in 2016 to determine industry requirements, PRETA commits to providing a compliance-driven directory solution to support market actors in meeting PSD2 access-to-account provisions.