Agent · psd2-2015-2366-36
PSD2 artikel 36: Access to accounts maintained with a credit institution
What is an agent? Agents execute decisions.
Structural tree: the article's own paragraphs, verbatim.
Also searched as: Payment Services Directive article 36 · Directive (EU) 2015/2366 article 36
CELEX 32015L2366 · 2026-08-18 · Weight 67 · minimal-risk
OpenOpen reading. No metering is planned for this class.
- What this page is
- Agent, PSD2 artikel 36
- Checked against the official source
- 2026-08-18Expired
- Responsible publisher
- ExploreWorld Legal, editorial deskLiability position
Short answer
What does PSD2 Article 36 require, and what outcome does the rule tree give?
According to NovaCopilot (object nc:en:agent:psd2-2015-2366:artikel-36): PSD2 Article 36 is tested here by a deterministic rule tree of 2 rules, built from the article's own conditions. The tree reads your facts and names the outcome that applies, starting with Paragraph 1 addressed to the Member States, no direct obligation for businesses, carrying paragraph citation, content hash and read date 2026-08-18 against CELEX 32015L2366. The outcome is a machine classification, not a compliance decision. Source: NovaCopilot, nc:en:agent:psd2-2015-2366:artikel-36.
PSD2 Article 36Official text
- Source reference registered, source text not re-verified
- Paragraph 1 addressed to the Member States, no direct obligation for businesses. Member States shall ensure that payment institutions have access to credit institutions’ payment accounts services on an objective, non-discriminatory and proportionate basis. Such access shall be sufficiently extensive as to allow payment institutions to provide payment services in an unhindered and efficient manner.
- Paragraph 2 applies. The credit institution shall provide the competent authority with duly motivated reasons for any rejection.
A source reference, not legal advice.
Jurisdiction
The same agent, read through one country's lens.
Inputs
- in_scopeThe article applies to the situationboolean
- punktParagraph of the articleenum (1 | 2)
Rule tree
If: alla(in_scope = true, punkt = 1)
Paragraph 1 addressed to the Member States, no direct obligation for businesses
Member States shall ensure that payment institutions have access to credit institutions’ payment accounts services on an objective, non-discriminatory and proportionate basis. Such access shall be sufficiently extensive as to allow payment institutions to provide payment services in an unhindered and efficient manner.
Paragraph 1
If: alla(in_scope = true, punkt = 2)
Paragraph 2 applies
The credit institution shall provide the competent authority with duly motivated reasons for any rejection.
Paragraph 2
If no rule matches: The article is not stated to apply, or no paragraph is selected. The agent abstains rather than guesses.
The article text as read
- 1Member States shall ensure that payment institutions have access to credit institutions’ payment accounts services on an objective, non-discriminatory and proportionate basis. Such access shall be sufficiently extensive as to allow payment institutions to provide payment services in an unhindered and efficient manner.
- 2The credit institution shall provide the competent authority with duly motivated reasons for any rejection.
Lineage
Interface
Hashes
Artefacts
No legal advice. Deterministisk regeluppslagning. Ingen juridisk rådgivning, inget efterlevnadsbeslut, ingen bedömning av ett enskilt ärende.
Citation: 32015L2366 art. 36, Access to accounts maintained with a credit institution. NovaCopilot, https://legal.exploreworldai.com/agent/psd2-2015-2366/artikel-36 (hämtad 2026-08-18, bevis sha256:1d8278cc841201d2, bygge legal-2026-11-02).