4.4. Information to be transmitted with the transfer in accordance with Articles 4 and 14 of Regulation (EU) 2023/1113

PSPs and CASPs should not change the initial submission, unless:

• a) they are requested to do so by the IPSP, payee's PSP, ICASP or beneficiary’s CASP, if the IPSP, payee PSP, ICASP or beneficiary CASP considers that some of the information un-der Articles 7, 11, 19 or 20 of Regulation (EU) 2023/1113 is missing; or
• b) following the transfer, the payer’s PSP or originator’s CASP detects an error in the in-formation they transmitted to comply with Articles 4 and 14 of Regulation (EU) 2023/1113.

Where, in the context of paragraph 32, there is a change to the initial submission, the payer’s PSP or originator’s CASP should inform the next PSP and CASP in the transfer chain and submit the correct information. The next PSP and CASP in the transfer chain should then perform, once again, the necessary tasks to detect the missing or incomplete information.

4.4.1. Providing the payment account number of the payer in accordance with Article 4(1), point (b), of Regulation (EU) 2023/1113, and of the payee (Article 4(2), point (b), of Regulation (EU) 2023/1113)

Transfer of funds

PSPs should ensure that the transfer of funds is accompanied by the payment account number. Where the transfer of funds is made using a payment card, the number of that card (the Pri-mary Account Number (PAN)) can take the place of the payment account number, on condition that that number allows the funds transfer to be traced back to the payer or the payee. 4.4.2. Providing the name of the payer, the payee, the originator and the beneficiary respectively in accordance with Articles 4(1), point (a), 4(2), point (a), 14(1), point (a), and 14(2), point (a), of Regulation (EU) 2023/1113

Transfer of funds and crypto-assets

The payer’s PSP or originator’s CASP should provide the following:

• a) For natural persons, the full names and surnames of the customer as they appear in the customer’s identity document, or in the electronic identification that complies with the standards in Article 13 of Directive (EU) 2015/849, or, if either is unavailable for a legitimate reason, documentation in accordance with the EBA Guidelines on policies and controls for the effective management of money laundering and terrorist financing (ML/TF) risks when providing access to financial services⁸ . Where technical limitations exist as referred to in paragraph 24 that prevent the transmission of the customer’s names and surnames, the originator’s CASP should, as a minimum, include the first given name and last surname.
• b) For legal persons, the name under which the legal person is registered. Where technical limitations exist as referred to in paragraph 24 that prevent the transmission of the full registered legal name, the originator’s CASP should transmit the trading name. Trading names used should be able to be traced back unequivocally to the legal person and match any such names recorded in official registries.
• c) For transfers from a joint account, address or wallet, the names of all holders of the account, address or wallet. Where technical limitations exist as referred to in paragraph 24 that prevent the transmission of all names of all parties to the transfer, the origina-tor’s CASP should transmit the name of the holder of the account, address or wallet that is initiating the transfer, or, where that is not possible, the primary account, ad-dress or wallet holder.

4.4.3. Providing the address of the payer and of the originator including the name of the country, official personal document number, and customer identification number or, alternatively, the date and place of birth of the payer in accordance with Arti-cles 4(1), point (c), and 14(1), point (d), of Regulation (EU) 2023/1113

Transfer of funds and crypto-assets

⁸ EBA/GL/2023/04.

The payer’s PSP and originator’s CASP should provide the following:

• a) For natural persons, the usual place of residence of the payer or originator or, where there is no fixed residential address, the postal address at which the natural person can be reached. In the case of a vulnerable person, as referred to in paragraph 19(b) of the EBA Guidelines on policies and controls for the effective management of money laun-dering and terrorist financing (ML/TF) risks when providing access to financial services, who cannot reasonably be expected to provide an address in relation to their usual place of residence, the PSP or the CASP may use an address that is provided in alterna-tive documentation as referred to in paragraph 19(b) of the above Guidelines where such documentation contains an address and where its use is permitted under the na-tional law of the payer.
• b) For legal persons, the payer’s or originator’s registered or official office address.

The address should be provided, to the extent possible, in the following order of priority: the full country name or the abbreviation in accordance with the International Standard for coun-try codes (ISO 3166) (alpha-2 or alpha-3), postal code, city, state and province and municipal-ity, street name, building number or building name.

The payer’s PSP and originator’s CASP should provide the postal address as specified in para-graph 37. Without prejudice to paragraph 25(a), any alternatives to postal addresses, including post office box numbers and virtual addresses, should not be considered to meet the require-ments under Article 4(1), point (c), and Article 14(1), point (d), of Regulation (EU) 2023/1113.

The combination of the alternative information items to be provided in accordance with Arti-cle 4(1), point (c), and 14(1), point (d), of Regulation (EU) 2023/1113 should not only be based on availability but also on the set of information which best provides for an unambiguous iden-tification of the payer or originator.

For transfers from a joint account, address or wallet, the information of all holders of the ac-count, address or wallet should be provided. Where the transmission of the respective infor-mation of all the parties cannot take place due to technical limitations as referred to in para-graph 24 the payer’s PSP and originator’s CASP should transmit the information of the holder of the account, address or wallet initiating the transfer, or, alternatively, of the primary ac-count, address or wallet holder.

4.4.4. Providing an equivalent identifier to the LEI of the payer, the payee, the originator and the beneficiary in accordance with Articles 4(1), point (d), 4(2), point (c), 14(1), point (e), and 14(2), point (d), of Regulation (EU) 2023/1113

Transfer of funds and crypto-assets

The payer’s PSP and the originator’s CASP should consider only those official identifiers as equivalent to an LEI that:

• a) are a single identification code that is unique to the legal entity;
• b) are published in public registries;
• c) are issued upon entity formation by a public authority in the jurisdiction in which the legal entity is based;
• d) allow for the identification of the name and address elements; and
• e) are accompanied by a description of the type of identifier used in the messaging sys-tem.