Agent · psd2-2015-2366-36

PSD2 artikel 36: Access to accounts maintained with a credit institution

Structural tree: the article's own paragraphs, verbatim.

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: 2026-08-18Current
Responsible publisher: ExploreWorld Legal, editorial deskLiability position

Short answer

What does PSD2 Article 36 require, and what outcome does the rule tree give?

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 applies, carrying paragraph citation, content hash and read date 2026-08-18 against CELEX 32015L2366. The outcome is a machine classification, not a compliance decision.

PSD2 Article 36Checked against the publisher 2026-08-18Official text

Paragraph 1 applies. 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 applies
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

treatyTFEU art. 288 (direktiv)

act32015L2366

chapter—

article36

paragraphs2

jurisdictionEuropean Union (EU)

supervisorFinansinspektionen — Sweden

national—

Interface

callhttps://legal.exploreworldai.com/api/public/v1/agents/psd2-2015-2366-36/run

methodGET

outputmatched, outcome, trace, missing, hash

Quota60 anrop per minut och adress, utan nyckel

stabilityRegelträdet versioneras. En ändring byter artefakthash, aldrig adress.

Hashes

textsha256:43fcbf116d203a32d7a5f9ae8d7eade74bd8866806406ab7c29abac44c8d29bd

scriptsha256:0dbb6514ac7f8dc63e65fbbb726ca332b476fa65929fe35df40ebfe0572f1076

enginesha256:0a4bd50d21f8ec9be383fc091511008b76ad61909cbfb674eab56fe567fbd7a0

agentsha256:38de439af4f59b4d78a6307122719ad9e9f44a6a1c4917bf0f52ab4d95152dd8

versionagent-engine-1+legal-2026-08-25 / 38de439af4f59b4d

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. ExploreWorld Legal, https://legal.exploreworldai.com/agent/psd2-2015-2366/artikel-36 (hämtad 2026-08-18, bevis sha256:205d4a8c10e0b349, bygge legal-2026-08-25).