Version status: Entered into force | Document consolidation status: No known changes
Published date: 28 August 2014
    Version 1 of 1    

Directive 2014/92/EU - EU Payment Accounts Directive (PAD)

Recitals
Chapter I Subject matter, scope and definitions (arts. 1-2)
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Article 1 Subject matter and scope
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Article 2 Definitions
Chapter II Comparability of fees connected with payment accounts (arts. 3-8)
Article 3 List of the most representative services linked to a payment account and subject to a fee at national level and standardised terminology
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Article 4 Fee information document and glossary
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Article 5 Statement of fees
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Article 6 Information for consumers
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Article 7 Comparison websites
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Article 8 Payment accounts packaged with another product or service
Chapter III Switching (arts. 9-14)
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Article 9 Provision of the switching service
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Article 10 The switching service
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Article 11 Facilitation of cross-border account-opening for consumers
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Article 12 Fees connected with the switching service
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Article 13 Financial loss for consumers
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Article 14 Information about the switching service
Chapter IV Access to payment accounts (arts. 15-20)
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Article 15 Non-discrimination
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Article 16 Right of access to a payment account with basic features
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Article 17 Characteristics of a payment account with basic features
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Article 18 Associated fees
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Article 19 Framework contracts and termination
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Article 20 General information on payment accounts with basic features
Chapter V Competent authorities and alternative dispute resolution (arts. 21-25)
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Article 21 Competent authorities
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Article 22 Obligation to cooperate
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Article 23 Settlement of disagreements between competent authorities of different Member States
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Article 24 Alternative dispute resolution
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Article 25 Mechanism in the event of refusal of a payment account for which a fee is charged
Chapter VI Sanctions (art. 26)
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Article 26 Sanctions
Chapter VII Final provisions (arts. 27-31)
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Article 27 Evaluation
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Article 28 Review
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Article 29 Transposition
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Article 30 Entry into force
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Article 31 Addressees
Done at