35. The payer’s PSP or originator’s CASP should provide the following: a) For natural persons, the …

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.

1. Overview

1.1 References

1.2 Identified Requirements

1.3 Related Standards

2. Identified Requirements

3. Related Standards

• EBA - Published by the European Banking Authority at https://www.eba.europa.eu/