To increase transparency and ensure a high level of consumer protection within the European Single market, the European Banking Authority (EBA) established a central register that contains information about payment and electronic money institutions authorised or registered within the European Union (EU) and the European Economic Area countries (EEA).

The register is established based on the requirement of Article 15(1) of Directive (EU) 2015/2366 on payment services in the internal market (PSD2), as well as the supplementing Commission Implementing Regulation (EU) 2019/410 and the Commission Delegated Regulation (EU) 2019/411 of 29 November 2018, which are based on the RTS and ITS on the EBA Register under PSD2 published by the EBA in December 2017.

National competent authorities provide the information contained in the central register of the EBA and are responsible for its accuracy and keeping that information up-to-date. The information on the central register of the EBA is updated regularly by national competent authorities, at least once per day, subject to changes in their national registers.

Public users can search the central register of the EBA free of charge, as well as download the whole content of the register directly from this website.

In accordance with Article 11 of PSD2, granting of authorisation to payment institutions and electronic money institutions remains under the remit of the national competent authorities.

Register of payment and electronic money institutions under PSD2

The register includes the following natural or legal persons that can provide payment services and/or electronic money services:

1. ‘Payment institutions' as legally defined in Article 4(4) of PSD2;
2. ‘Exempted payment institutions' under Article 32 of PSD2;
3. ‘Account information service providers' under Article 33 of PSD2;
4. ‘Electronic money institutions' as legally defined in Article 2(1) of EMD2;
5. ‘Exempted electronic money institutions' under Article 9 of EMD2;
6. ‘Agents' as legally defined in Article 4(38) of PSD2;
7. ‘EEA branches' as legally defined in Article 4(39) of PSD2;
8. ‘Institutions entitled under national law to provide payment services' under Article 2(5) of PSD2;
9. ‘Service providers excluded from the scope of PSD2' under points (i) and (ii) of point (k) and point (l) of Article 3 of PSD2.

Search the EBA Register on Payment and Electronic Money Institutions

Download the EBA Register on Payment and Electronic Money Institutions

National registers of authorised or registered payment and electronic money institutions under the Payment Services Directive

Each Member State has established a register of authorised or registered payment and electronic money institutions at national level where information is updated on regular basis.