MyBank
MyBank is an online payment service that allows consumers to make secure payments directly from their bank accounts, bypassing the need for credit cards.
MyBank is an online payment service that allows consumers to make secure payments directly from their bank accounts, bypassing the need for credit cards. MyBank is widely used in Europe, offering fast and secure payment solutions for businesses and customers. It supports real-time bank transfers and is ideal for e-commerce merchants looking to provide customers with a seamless, secure checkout experience. MyBank’s platform is trusted for its strong encryption and secure payment infrastructure, helping businesses manage payments efficiently.
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What MyBank costs
MyBank quotes per merchant. What you are offered depends on your volume, your industry, the countries you sell in, your card mix and your risk profile — so a published headline rate would not be your rate. Ask them for a quote against your own numbers.
What the last check found
MyBank holds no authorisation anywhere, and that is the finding on this listing — it is the reason there is nothing under its authorisations.
MyBank is not a licence-holder but a scheme, owned and managed by PRETA S.A.S. (SIREN 798 483 053, RCS Paris, 40 rue de Courcelles, 75008 Paris), a wholly owned subsidiary of EBA CLEARING, which is itself owned by 48 European banks. PRETA's own site calls MyBank "a scheme-based digital payment solution" built on the four-corner model: a Payer PSP, which is the payer's bank, and a Payee PSP, which is the merchant's bank or PSP, with PRETA operating only the central routing platform. The payer authorises a SEPA credit transfer inside their own online banking, and the funds move bank to bank without ever passing through PRETA.
ACPR's REGAFI — the register that would hold a French credit institution, payment institution or EMI — returns nothing for SIREN 798483053, nothing for the name PRETA, and nothing for "MYBANK" as a trading name or acronym. PRETA's French activity code is 82.99Z, other business support services, not a financial code. Because the EBA's EU payment institutions register is populated from the national registers, an entity absent from REGAFI will not appear there either. EBA CLEARING is also absent from REGAFI: it is a payment-system operator, STEP2, overseen as market infrastructure rather than authorised as a PSP. A scheme operator needs no payment licence, so the absence is expected rather than suspicious.
What a merchant should know: MyBank never holds your money, so PRETA is not the entity to diligence. The funds sit with your Payee PSP, the bank or PSP that onboarded you, which per MyBank's own documentation carries KYC and AML responsibility for you, and that licence has to be checked participant by participant. MyBank's claimed PSD2, GDPR and AML compliance is a rule imposed on licensed participants, not an authorisation MyBank holds.
Checked against MyBank’s own documentation on 21 October 2026. Coverage changes; confirm anything you are about to build on.
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Sources · 12
- MyBank register of participating banks and PSPs (part 1) · mybank.euUsed for the first 200 of 490 participating entities, and the predominance of Italian cooperative and rural banksChecked 20 October 2026
- MyBank register of participating banks and PSPs (part 3) · mybank.euUsed for the remaining participants, including KBC Brussels and CBC Banque Belgique, and the PSPs that connect as acceptance partnersChecked 20 October 2026
- MyBank site page index · mybank.euUsed for the participating banks and PSPs page MyBank maintains in Italian, and establishing that it publishes no country or currency listChecked 20 October 2026
- MyBank — Legal Notices · mybank.euUsed for Legal entity PRETA S.A.S., RCS Paris 798 483 053, registered address 40 rue de Courcelles, 75008 Paris; no regulatory status claimed anywhere on the page
- Annuaire des Entreprises (official French company register API) — PRETA, SIREN 798483053 · recherche-entreprises.api.gouv.frUsed for Incorporation date 2013-11-07, legal form SAS, status active, activity code 82.99Z (other business support services, not a financial code), Paris address
- ACPR REGAFI register — search by PRETA's SIREN · regafi.frUsed for Zero results: PRETA S.A.S. holds no French authorisation as a credit institution, payment institution, EMI or account information service provider
- ACPR REGAFI register — search by name "PRETA" · regafi.frUsed for Zero results by entity name, confirming the SIREN search; a parallel search for MYBANK as trading name/acronym also returned zero
- ACPR REGAFI register — search for "CLEARING" · regafi.frUsed for EBA CLEARING / ABE Clearing is not an ACPR-authorised institution either; only FIFA Clearing House, FX Central Clearing and ABN Amro Clearing Bank match
- PRETA S.A.S. corporate site · preta.euUsed for PRETA is a spin-off and fully owned subsidiary of EBA CLEARING (owned by 48 European banks); MyBank described as "a scheme-based digital payment solution"; MyBank dated 2014; no licence or supervision claimed
- MyBank — About us · mybank.euUsed for PRETA created 2013; MyBank owned and managed by PRETA, controlled by EBA CLEARING; 450+ participating banks and PSPs; claims PSD2/GDPR/FATF/AML compliance but names no supervisory authority or licence
- MyBank resource centre — onboarding and model · resources.mybank.euUsed for Four-corner model with Payer PSP and Payee PSP; Payee PSPs are responsible for their merchants' KYC/AML, establishing that participants, not PRETA, hold funds and licences
- MyBank — Banks and PSPs · mybank.euUsed for Describes a contractual framework and PRETA's "centralized platform"; confirms PRETA states no regulatory status of its own
12 sources · last checked 21 October 2026 — each one says which claim it supports.
Compiled from public sources — verify with MyBank before you sign anything. How we compile this · Suggest a correction ·