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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
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Chapter VII Final provisions (arts. 27-31)

Article 27 Evaluation
Article 28 Review
Article 29 Transposition
Article 30 Entry into force
Article 31 Addressees
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