Regulamentul (UE) 2021/1230 privind plățile transfrontaliere în Uniune

Extrasele exacte din actul la care trimit ghidurile, în forma indicată la fiecare extras.

1. Articolul 1, alineatul (2) · forma din 8 aprilie 2024 · textul original, în limba engleză

   2. This Regulation applies to cross-border payments, in accordance with the provisions of Directive (EU) 2015/2366, which are denominated in euro or in the national currencies of the Member States which have notified their decision to extend the application of this Regulation to their national currency, in accordance with Article 13 of this Regulation. Notwithstanding the first subparagraph of this paragraph, Articles 4 and 5 apply to national and cross-border payments that are denominated in euro or in a national currency of a Member State other than the euro and that involve a currency conversion service.

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2. Articolul 2, punctul 1 · forma din 8 aprilie 2024 · textul original, în limba engleză

   (1) ‘cross-border payment’ means an electronically processed payment transaction initiated by a payer, or by or through a payee, where the payer’s payment service provider and the payee’s payment service provider are located in different Member States;

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3. Articolul 3, alineatul (1) · forma din 8 aprilie 2024 · textul original, în limba engleză

   1. Charges levied by a payment service provider on a payment service user in respect of cross-border payments in euro shall be the same as the charges levied by that payment service provider for corresponding national payments of the same value in the national currency of the Member State in which the payment service provider of the payment service user is located.

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4. Articolul 3, alineatul (4) · forma din 8 aprilie 2024 · textul original, în limba engleză

   4. Paragraphs 1 and 2 shall not apply to currency conversion charges.

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5. Articolul 3, alineatul (5) · forma din 8 aprilie 2024 · textul original, în limba engleză

   5. Paragraph 1 of this Article shall not apply where Article 5b(1) of Regulation (EU) No 260/2012 of the European Parliament and of the Council ( 4 ) would require a payment service provider located in a Member State that does not have the euro as its currency, with respect to an instant credit transfer, to levy a charge which would be lower than the charge which would be levied, with respect to the same instant credit transfer, if paragraph 1 of this Article were to be applied. For the purposes of the first subparagraph of this paragraph, the term ‘instant credit transfer’ means an instant credit transfer as defined in Article 2, point (1a), of Regulation (EU) No 260/2012, that is in euro and cross-border.

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6. Articolul 5, alineatul (1) · forma din 8 aprilie 2024 · textul original, în limba engleză

   1. When a currency conversion service is offered by the payer’s payment service provider in relation to a credit transfer, as defined in point (24) of Article 4 of Directive (EU) 2015/2366, that is initiated online directly, using the website or the mobile banking application of the payment service provider, the payment service provider, with regard to Article 45(1) and Article 52, point (3), of that Directive, shall inform the payer prior to the initiation of the payment transaction, in a clear, neutral and comprehensible manner, of the estimated charges for currency conversion services applicable to the credit transfer.

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7. Articolul 5, alineatul (2) · forma din 8 aprilie 2024 · textul original, în limba engleză

   2. Prior to the initiation of a payment transaction, the payment service provider shall communicate to the payer, in a clear, neutral and comprehensible manner, the estimated total amount of the credit transfer in the currency of the payer’s account, including any trans­ action fee and any currency conversion charges. The payment service provider shall also communicate the estimated amount to be transferred to the payee in the currency used by the payee.

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