Payment service users wishing to use an account information service must have an online access to their payment accounts, i.e. must have one of online services agreed with the bank (Internet or mobile banking). Users of account information services may be legal and natural persons.
To obtain account information through an account information provider (AISP), payment service users have to provide AISP with the information needed to provide account information services which may include personalised security credentials (e.g. password, PIN).