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eIDAS Renewal Best Practices Guide

PSD2 Qualified Certificates are valid for two years. The renewal process can be complex and should be conducted with caution and cooperation.​

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As the European Open Banking industry matures, new challenges arise. One of those is the PSD2 Qualified Certificate renewal. To help face this challenge, Open Banking Europe has created a set of best practices, as suggested by our stakeholders.

PSD2 Qualified Certificates are a crucial instrument to identify TPPs securely and effectively, as they mitigate risks and make Open Banking smoother and safer.

PSD2 Qualified Certificates are valid for two years, meaning that the renewal process is already underway for multiple TPPs. The renewal process can be complex and should be conducted with caution and cooperation.

The Challenges of eIDAS Renewal

Renewal Logistics

Some TPPs will have to renew their certificates with dozens of banks simultaneously.

Technical Limitations

Some ASPSPs only allow TPPs to onboard once, with one certificate at a time.

Authorisation Numbers

The earlier certificates may reflect legacy issues around the authorisation numbers.

How Can TPPs Face the eIDAS Renewal Challenges?



For a smooth and effective certificate renewal process, planning and anticipation are crucial for TPPs.


The communication channels made available by ASPSPs allow the TPPs to clarify doubts and reduce friction.


Some ASPSPs allow TPPs to test the validity of their certificates before onboarding to their services.

How Can ASPSPs Face the eIDAS Renewal Challenges?



ASPSPs should set clear communication channels to enable TPPs to report eIDAS renewal issues.


ASPSPs should inform the TPPs of the services that are available to ensure an efficient renewal.


ASPSPs should have in place procedures and guides for the TPPs to follow and facilitate a smooth renewal.

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