{"type":"document","data":{"id":"0463c698-70b8-4083-a4af-91b544e310c4","localeString":"en-GB","publishDate":"2026-03-13T13:00:16.155+01:00","contentType":"onecms:subCategoryPage","hasMacro":false,"flexPageMetadata":{"afmBanner":false,"robotInstruction":{"noIndex":false,"noFollow":false},"description":"PSD2: what does it mean for you? And what should you watch out for? Read all about it here."},"mainHeaderZone":{"componentType":"categoryHeader","backLink":{"textLink":{"url":"/en/personal/payments","text":"All about payments"}},"coreHeader":{"title":"Tell me,","subtitle":"What will I notice about PSD2?"}},"flexZone":{"flexComponents":[{"componentType":"paragraph","richBody":{"value":"<p>What do you notice about PSD2? Well, arranging your money matters is getting easier and easier. Because banks, but also other companies, offer new smart financial services. There are also other changes, which you sometimes notice something. Such as an extra check step when logging in to My ING, for example.</p><p>The payment system in Europe is constantly changing and renewing. Rules are needed that make this possible and at the same time ensure that it remains safe. These rules are set out in PSD2 &apos;Payment Services Directive 2&apos;, among others. The new rules will increase competition while ensuring better consumer protection. So that you can arrange your money matters safely and more easily.</p>"},"alignedImage":{"position":"bottom","transformBaseUrl":"https://assets.ing.com/transform/c8624def-d9a1-4ccb-aa35-979ec699a2d4/PSD2","original":"https://assets.ing.com/m/751d8082098b6e77/original/PSD2.jpg","extension":"jpg"}},{"componentType":"sectionTitle","title":"New financial services"},{"componentType":"paragraph","richBody":{"value":"<p>Companies that are not banks can now still offer financial services. Because PSD2 allows you to share your payment details with them. You can also have another company initiate a payment on your behalf. But you remain the boss of course. You always agree to a payment yourself and your data will only be shared if you want it to. And if you give that company explicit permission to do so. Otherwise, no.</p><p> </p><ul><li><p><a href=\"https://www.ing.nl/en/personal/payments/psd2/how-to-give-permission\">This is how giving permission works</a></p></li></ul>"},"alignedImage":{"position":"right","transformBaseUrl":"https://assets.ing.com/transform/1e8d8a15-87cf-452c-952f-cc73f4d5f8a3/psd2-video1-fr","altTextFR":"psd video fr","original":"https://assets.ing.com/m/3dc39ce84cd8c275/original/psd2-video1-fr.jpg","extension":"jpg"}},{"componentType":"sectionTitle","title":"What should you pay attention to?"},{"componentType":"paragraph","richBody":{"value":"<p>New financial services can be useful and help you with your money matters. And for that, you can now share your payment details through PSD2.</p><p>But always ask yourself who you are entrusting your data to and what it is used for. You can often find this information in the terms and conditions or privacy policy of a company, good to read it.</p><p>You also have to stay alert to <a href=\"https://www.ing.nl/en/bank/safe-banking/protect-yourself-against-phishing\">phishing emails</a>. Every change, and now also PSD2, is a reason for criminals to send them.</p>"},"alignedImage":{"position":"left","transformBaseUrl":"https://assets.ing.com/transform/74f3a239-d2dc-40f6-b606-c167220c74db/PSD2-Bedrijven-vergunning_tcm162-163847","original":"https://assets.ing.com/m/6ebb956ad06e91ce/original/PSD2-Bedrijven-vergunning_tcm162-163847.jpg","extension":"jpg"}},{"componentType":"sectionTitle","title":"Connecting as a payment service"},{"componentType":"paragraph","richBody":{"value":"<p>Developers and payment services can find all the information they need to connect to ING&apos;s PSD2 related APIs on ING&apos;s Developer Portal.</p>"}},{"componentType":"cta","textLink":{"url":"https://developer.ing.com/openbanking/","text":"Go to ING's Developer Portal"}}]},"complementaryZone":{"flexComponents":[{"componentType":"cards","cards":[{"componentType":"serviceCard","cardType":"service","cardSize":"small","title":"This is how giving permission works","intro":"What can I give permission for and how does it work?","image":{"transformBaseUrl":"https://assets.ing.com/transform/b7a635c3-a3a7-4c1b-9362-b2da222d745d/payment-psd2-1920","type":"image","width":1920,"original":"https://assets.ing.com/m/5bd20655699e9db1/original/payment-psd2-1920.jpg","extension":"jpg"},"link":{"url":"/en/personal/payments/psd2/how-to-give-permission"}}]}]}}}