+Guideline 2: Criteria and indicators

Guideline 2: Criteria and indicators

2. 1 When stipulating the minimum monetary amount of the PII or comparable guarantee to be held by undertakings, competent authorities should use the following criteria and their indicators:

  • a. the risk profile criterion:
i. ii. iii.value of requests for refunds, for the liabilities referred to in Article 5(2) and (3) of PSD2, received by the undertaking; number of initiated payment transactions by an undertaking that provides PIS; number of payment accounts accessed by an undertaking that provides AIS;
  • b. the type of activity criterion:
i. ii. iii.whether the undertaking provides exclusively PIS or AIS, or both; whether the undertaking provides other payment services as referred to in Annex I to PSD2; whether the undertaking is engaged in business other than payment services;
  • c. the size of activity criterion:
i. ii.for undertakings that provide PIS, the value of the transactions initiated; for undertakings that provide AIS, the number of clients that make use of the AIS;
  • d. the comparable guarantee criterion:
i. ii.specific characteristics of the comparable guarantee; triggers for the implementation of the comparable guarantee.

1. Overview

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1.1 References

1.2 Identified Requirements

1.3 Related Standards

2. Identified Requirements

Requirements

3. Related Standards

Standards
  • EBA -

    EN: Guidelines and other publications of the European Banking Authority (EBA), https://www.eba.europa.eu/. © European Banking Authority. Reproduction is authorised provided the source is acknowledged (EBA legal notice). Divided into sections and converted into the GRCA format, the wording unchanged. Only the versions published by the EBA are authoritative.

    DE: Leitlinien und weitere Veröffentlichungen der Europäischen Bankenaufsichtsbehörde (EBA), https://www.eba.europa.eu/. © European Banking Authority. Wiedergabe mit Quellenangabe gestattet (Rechtlicher Hinweis der EBA). In Abschnitte aufgeteilt und in das GRCA-Format umgewandelt, der Wortlaut unverändert. Maßgeblich sind allein die von der EBA veröffentlichten Fassungen.