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Hennequin

Posted on • Originally published at finance.hddev.eu

PSD2 and Open Banking: A Practical Guide for French Freelancers in 2026

Why PSD2 Matters

The European Payment Services Directive 2 (PSD2) has reshaped how freelancers and indie entrepreneurs in France manage their finances. This article explores the practical implications.

Open Banking Access

With PSD2, certified providers like BridgeAPI can access bank accounts on behalf of users. This enables:

  • Automatic transaction categorization
  • Multi-bank aggregation in one view
  • Real-time spending alerts

What This Means for You

Freelancers can now manage finances across multiple French banks (BNP, Société Générale, Crédit Agricole, etc.) from one tool — without manually downloading CSV statements every month.

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