With PSD2, clients of European banks have the opportunity to provide access to their bank information to authorised payment service providers. The bank provides this access only upon the client’s request and subject to their express consent. Only data related to payment accounts that can be accessed online are concerned.

Three new types of services can be offered by these providers:

Account information service
These services allow account aggregators to have all the information of your payment accounts on a single interface (in particular balances, information on transactions, including amounts, names of beneficiaries and payers and communications, account details, etc.), held in your banks.
To benefit from account aggregation services, you will always have to give your express consent to the provider and confirm that consent with the Bank.
Information services on the availability of funds
Some providers can - with your consent - ⁽ⁱ⁾ check the availability of an amount on a bank account that was specified before making a transaction.
_{(i) The creation of a consent always takes place within the provider’s environment (on their website). A consent is valid for 90 days and is coupled with a strong authentication with the Bank.}
Payment initiation services
You will be able to initiate payments drawn from one of your Raiffeisen accounts by using the payment initiator's platform. Here again, an authorisation will always be requested from you.

Second Directive on Payment Services (PSD2)

PSD2 - What is it?

PSD2 performance and availability statistics

What's new?

Centralised management of your consents with R-Net online banking

Management and control of payments

Security

Always be vigilant

Further information

Documents to download 4

PSD2 Statistics

PSD2 Statistics

PSD2 Statistics

PSD2 Statistics

Documents to download
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