Payment account fee reporting, Payment Accounts Directive (PAD fee reporting)

The facts

Who files

Payment service providers that offer payment accounts directly to consumers with any of the basic functions in 4 a kap. 2 § of the Payment Services Act (2010:751). Source

How often

An initial report, then whenever a fee changes; required since 31 October 2018 (6 kap. 6 § FFFS 2018:4). Source

Deadline

Changes no later than the same bank day as the new fee starts to apply. Source

Format

Web form. In FI's Reporting Portal (a registered user account is needed); firms can also correct published fees there. Source

How it is filed

Filing routes recorded for the FI: Reporting Portal (Rapporteringsportalen); FIDAC (Finansinspektionen Data Collection); Periodic Reporting (Periodisk rapportering, older web system); Ownership reporting system (Ägarrapportering); TRS 2 (transaction reporting system); Email and post. See how firms file with the FI.

Status

In force

Legal basis

• FFFS 2018:4 Finansinspektionens föreskrifter om verksamhet för betaltjänstleverantörer, 6 kap. 6 §
• Directive 2014/92/EU (Payment Accounts Directive), as linked by FI

Group

Payment service providers (national)

Templates (0)

The library lists no templates for this return.

No form codes: firms report the fees for the services on FI's list (version 180426) that they offer to all consumers. Source

Validation rules

No published validation rules were found for this return. No rules published. Source

Public data

Published firm by firm. FI passes the reported fees to a free consumer comparison website (Konsumenternas.se), where consumers compare providers' payment account fees. Source

Official documents (5)

The FI's own files, with the size and SHA-256 fingerprint of each as downloaded on 11 November 2026, so anyone can tell whether a copy is the same version.

• Avgiftsrapportering enligt betalkontodirektivet (PAD)

  Guidance · HTML

  Fee reporting under the Payment Accounts Directive: who reports, what, and how (Reporting Portal; update on the bank day a new fee applies).

• Lista över de mest representativa tjänsterna knutna till ett betalkonto

  Template · XLSX · 14.4 KB · 16 April 2026

  The list of most representative services linked to a payment account whose fees are reported.

  SHA-256 354f4955a3f5show in fullhide

  354f4955a3f50c115ef97dfce05cf60d39b496f8b0521ce4971b1f169a56c34a
• Lathund: Rapportering av avgifter för betaltjänster

  Instructions · PDF · 982.3 KB · 9 June 2026

  User guide for fee reporting in the Reporting Portal.

  SHA-256 7d7de15917a5show in fullhide

  7d7de15917a58a413c2241480d8b077ab7d0e9731c0238063fb644f13251c66d
• Rapportering (Betalningar)

  Guidance · HTML

  What payment institutions and registered payment service providers report; the list of most representative services for PAD fee reporting; late-fee guidelines.

• Other systems

  Guidance · HTML

  Reporting outside FIDAC: PAD fee reporting, insurance distribution and ownership reporting.

Sources

Every page and document this return's facts were read from.

• fi.se/sv/ansok-och-rapportera/rapportera/avgiftsrapportering-enligt-betalkontodirektivet-pad/
• fi.se/sv/betalningar/rapportering2/
• fi.se/en/applying-and-reporting/reporting2/other-systems/

Knowing exactly what is collected, in what format and under which rules is the first step to real-time supervision. Line4 builds SupTech software for financial regulators that runs checks like these as each return arrives.