icon-grid
Better Regulation logo
Table of Contents

Table of Contents

Expand all headings Collapse all headings Expand side bar Collapse side bar
Directive 2014/92/EU - EU Payment Accounts Directive (PAD)RecitalsChapter I Subject matter, scope and definitions (arts. 1-2)Article 1 Subject matter and scopeArticle 2 DefinitionsChapter 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 terminologyArticle 4 Fee information document and glossaryArticle 5 Statement of feesArticle 6 Information for consumersArticle 7 Comparison websitesArticle 8 Payment accounts packaged with another product or serviceChapter III Switching (arts. 9-14)Article 9 Provision of the switching serviceArticle 10 The switching serviceArticle 11 Facilitation of cross-border account-opening for consumersArticle 12 Fees connected with the switching serviceArticle 13 Financial loss for consumersArticle 14 Information about the switching serviceChapter IV Access to payment accounts (arts. 15-20)Article 15 Non-discriminationArticle 16 Right of access to a payment account with basic featuresArticle 17 Characteristics of a payment account with basic featuresArticle 18 Associated feesArticle 19 Framework contracts and terminationArticle 20 General information on payment accounts with basic featuresChapter V Competent authorities and alternative dispute resolution (arts. 21-25)Article 21 Competent authoritiesArticle 22 Obligation to cooperateArticle 23 Settlement of disagreements between competent authorities of different Member StatesArticle 24 Alternative dispute resolutionArticle 25 Mechanism in the event of refusal of a payment account for which a fee is chargedChapter VI Sanctions (art. 26)Article 26 SanctionsChapter VII Final provisions (arts. 27-31)Article 27 EvaluationArticle 28 ReviewArticle 29 TranspositionArticle 30 Entry into forceArticle 31 AddresseesDone at
Document Overview
Tools
Set a date to view the document
Text comparison options
Full text - Date 1 vs Date 2
Amendments requiring commencement - Current text vs Text requiring commencement
Draft proposed changes - Current text vs Text proposed by drafting documents
Coming soon: Any documents - Any document vs Another document at any date
Print / Export options
Current page
Whole document
Selected pages
Consolidated PDF of the entire document as of 25th January 2025
Export
Export line by line
Export provision to provision
Report template
Create report template
Alert me to changes
Manage alerts
Bookmarks
This page
This document
Manage bookmarks
Search within this document
View previous searches
Share
Get page link
Share via email application
PreviousNext

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
Article 4 Fee information document and glossary
Article 5 Statement of fees
Article 6 Information for consumers
Article 7 Comparison websites
Article 8 Payment accounts packaged with another product or service
PreviousNext