News dated
On 9 November, the European Banking Authority published a factsheet on recognising “white labelling”: a banking or payment service is marketed under one brand but supplied by another company. The EBA explains that this distinction may become unclear when offers come through platforms, shops or other non-financial brands. [1][2]
The factsheet encourages readers to identify the actual provider, the product’s nature, its costs, who handles complaints and how the agreement ends. Examples include a card offered by a shop and deferred payment offered during an online purchase. This is an information resource: it does not approve individual products or, by itself, demonstrate a reduction in fraud. [1][2]
The bright side
A public guide makes roles and responsibilities more visible where the familiar brand may not be the actual provider. [1][2]
One idea, in simple words
The name on a payment card does not always identify the company providing the service. A shop may offer a card under its own brand while another company provides it. On 9 November, the European Banking Authority, or EBA, released a factsheet explaining this situation. The practice is called white labelling. The guide suggests questions about who really provides the service, what it costs and who handles complaints. Think of a notebook sold by a shop but made by another company: this is only a comparison to explain different roles, not a description of banking rules. The factsheet does not say all such services are bad or good. It helps people understand who does what before making a choice. [1][2]
A little discovery to keep
What did you discover?
Straight from the source.
- The EBA publishes consumer factsheet on white-labelled financial products and services European Banking Authority · 9 Nov 2026
- Look beyond the brand: what to check before buying banking or payment products/services? European Banking Authority · 9 Nov 2026
Original reporting summaries prepared with AI assistance and accessible sources. Our editorial method.
